{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Discover how your home’s value affects your mortgage, monthly payments, and interest rate discounts. Learn about market value, WOZ value, and appraisals, and easily request a valuation or a consultation.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Three types of home value"},{"componentType":"paragraph","richBody":{"value":"<p>Your home’s value influences the maximum mortgage amount, the interest rate you pay, and any potential equity when selling your home. We distinguish three types of home value:</p><ul><li><strong>Market value:</strong> The price your home is currently worth on the market, usually determined by an appraiser.</li><li><strong>WOZ value:</strong> The value your municipality sets each year, often different from the market value.</li><li><strong>Appraisal value:</strong> An official report from an appraiser, required for applying for or refinancing a mortgage.</li></ul>"}},{"alignedImage":{"position":"left","altTextEN":"Woman moves with music","altTextNL":"Vrouw verhuisd met muziek","extension":"png","original":"https://assets.ing.com/m/69d01363f9228d73/original/Woman-music.png","transformBaseUrl":"https://assets.ing.com/transform/20381e15-8f16-4e59-ad9f-bdc37e3ae17a/Woman-music"},"componentType":"paragraph","richBody":{"value":"<p><span><span><span>In that case, the value of your property plays an important role:</span></span></span></p><ul><li><span><span><span><span>Your property value and the remaining mortgage determine your equity. After selling your current home, this equity is used to repay part of your new mortgage without penalty. Ask about the conditions.</span></span></span></span></li><li><span><span><span><span>Under certain conditions, you can transfer your current interest rate. This is beneficial if your current rate is lower than today’s rates. Check this with your mortgage advisor.</span></span></span></span></li></ul><p><span><span><span>This way, you can make optimal use of your equity and keep your monthly payments lower.</span></span></span></p>"},"textLinks":[{"text":"Read more about the moving service","url":"https://www.ing.nl/particulier/hypotheek/huis-kopen/hypotheek-meenemen"}],"title":"Are you moving and already have a mortgage?"},{"componentType":"sectionTitle","title":"Have your home appraised"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Do you want to buy a new home, are you curious about your potential equity, or would you like to know whether your current interest rate could be reduced as a result of a higher market value? Then have your property valued.</span></span></span></p><p><span><span><span>This can be done in two ways:</span></span></span></p><ul><li><span><span><span><span>Via a Calcasa Desktop Valuation (Plus)</span></span></span></span></li><li><span><span><span><span>Via a full valuation, where the appraiser inspects the property both inside and outside</span></span></span></span></li></ul><p><span><span><span>To adjust your interest rate, you can also use the WOZ value of your property, in addition to determining the current market value.</span></span></span></p>"}},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Have your property valued quickly and affordably with a Calcasa Desktop Valuation (Plus). This combines the model-based property value with the expertise of an appraiser.</span></span></span></p>"},"textLinks":[{"text":"Read more about the Desktop Valuation (Plus)","url":"/particulier/hypotheek/woondiensten/ingcalcasadesktoptaxatie"}],"title":"Calcasa Desktop Valuation (Plus)"},{"componentType":"paragraph","richBody":{"value":"<p>If a desktop valuation isn’t possible, we offer an appraisal service at a competitive rate for an ING mortgage. Request an appraisal easily. <span><span><span>You can easily request a valuation via the link below.</span></span></span></p>"},"textLinks":[{"text":"Request a valuation","url":"/en/personal/mortgage/property-services/valuation-service"}],"title":"On-site valuation"},{"componentType":"sectionTitle","title":"Did your home value increase?"},{"componentType":"paragraph","richBody":{"value":"<p>An increased home value lowers your loan to value ratio. This may qualify you for a lower interest rate. It doesn’t happen automatically—you can request the adjustment by reporting your increased home value in the ING App or via Mijn ING. Sometimes even a small increase can lead to a lower mortgage rate.</p>"}},{"componentType":"sectionTitle","title":"Personal advice"},{"componentType":"paragraph","richBody":{"value":"<p>Want to know exactly what your home’s value means for your mortgage? Our advisors will calculate it with you.</p>"}},{"componentType":"cta","textLink":{"text":"Plan a free appointment","url":"https://mijn.ing.nl/banking/decision-trees/mortgage?flow-step=1-mortgage-topic-step"}},{"componentType":"linkList","iconTitle":{"title":"Hypotheken"},"textLinks":[{"text":"Maximale hypotheek berekenen","url":"/particulier/hypotheek/hypotheek-berekenen"},{"text":"Actuele hypotheekrente","url":"/particulier/hypotheek/actuele-hypotheekrente"},{"text":"Hypotheek oversluiten","url":"/particulier/hypotheek/oversluiten"},{"text":"Eerste huis kopen","url":"/particulier/hypotheek/huis-kopen/je-eerste-huis-kopen/startershypotheek-berekenen"},{"text":"Ander huis kopen","url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek"},{"text":"Jouw hypotheek","url":"/particulier/hypotheek/jouw-hypotheek"},{"text":"Hypotheekvormen","url":"/particulier/hypotheek/hypotheekvormen"},{"text":"Duurzaam wonen","url":"/particulier/hypotheek/duurzaam-wonen"},{"text":"Hypotheekadvies","url":"/particulier/hypotheek/hypotheekadvies"},{"text":"Kosten","url":"/particulier/hypotheek/advieskosten"},{"text":"Situatie","url":"/particulier/hypotheek/situatie"},{"text":"Woondiensten","url":"/particulier/hypotheek/woondiensten"},{"text":"Contact","url":"/particulier/hypotheek/contact"}]}]},"hasMacro":false,"id":"97c71d4a-f5ce-416f-92c7-6319daf117d4","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your ING mortgage","url":"/en/personal/mortgage/your-mortgage"}},"componentType":"productHeader","coreHeader":{"body":"The value of your home affects your mortgage: how much you can borrow, whether you qualify for an interest rate discount, and what your monthly payments will be.\r\n\r\nWant to speak directly with an advisor about your future plans?","headerImage":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/3e1ed1bbf4f7473/original/Twin-sisters-hold-and-fit-new-doors-in-home-renovation.jpg","transformBaseUrl":"https://assets.ing.com/transform/06d3824a-1930-4410-829a-627d5b1f8429/Twin-sisters-hold-and-fit-new-doors-in-home-renovation","type":"image","width":5616},"title":"Your home value and your mortgage"},"cta":{"componentType":"cta","textLink":{"text":"Schedule a free call appointment.","url":"https://www.ing.nl/particulier/hypotheek/contact/doorstromer?subscrid=cmnl-mort-doorstromer"}}},"publishDate":"2026-05-19T08:00:22.860+02:00"}}