{"type":"document","data":{"id":"97c71d4a-f5ce-416f-92c7-6319daf117d4","localeString":"en-GB","publishDate":"2026-02-23T16:32:54.919+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":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."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://www.ing.nl/particulier/hypotheek/contact/doorstromer?subscrid=cmnl-mort-doorstromer","text":"Schedule a free call appointment."}},"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":{"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,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/3e1ed1bbf4f7473/original/Twin-sisters-hold-and-fit-new-doors-in-home-renovation.jpg","extension":"jpg"},"title":"Your home value and your mortgage"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"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>"}},{"componentType":"paragraph","title":"Are you moving?","richBody":{"value":"<p>Then your home’s value plays a double role:</p><ul><li>It determines your equity, which you can often repay without penalty on your new mortgage.</li><li>You can transfer your current interest rate with the relocation scheme. For any extra amount you borrow, the current interest rate applies.</li></ul><p>This way, you make the most of your equity and keep your monthly costs lower.</p>"},"textLinks":[{"url":"https://www.ing.nl/particulier/hypotheek/huis-kopen/hypotheek-meenemen","text":"Read more about the moving service"}],"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/20381e15-8f16-4e59-ad9f-bdc37e3ae17a/Woman-music","altTextEN":"Woman moves with music","altTextNL":"Vrouw verhuisd met muziek","original":"https://assets.ing.com/m/69d01363f9228d73/original/Woman-music.png","extension":"png"}},{"componentType":"sectionTitle","title":"Have your home appraised"},{"componentType":"paragraph","richBody":{"value":"<p>Planning to buy a new home, curious about your potential equity, or wondering if your current interest rate can go down? Then have your home appraised. There are two options:</p>"}},{"componentType":"paragraph","title":"ING Calcasa Desktop valuation","richBody":{"value":"<p>Quick and affordable appraisal combining a property’s model value with an appraiser’s expertise. Usually delivered to your email within a few hours. Note: Your current mortgage plus any increase must be less than 90% of the property’s market value.</p>"},"textLinks":[{"url":"/particulier/hypotheek/ingcalcasadesktoptaxatie","text":"Read more about the desktop valuation"}]},{"componentType":"paragraph","title":"On-site valuation","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 online.</p>"},"textLinks":[{"url":"/en/personal/mortgage/valuation-service","text":"Request valuation service"}]},{"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. <strong>It doesn’t happen automatically</strong>—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":{"url":"https://mijn.ing.nl/banking/decision-trees/mortgage?flow-step=1-mortgage-topic-step","text":"Plan a free appointment"}},{"componentType":"linkList","iconTitle":{"title":"Hypotheken"},"textLinks":[{"url":"/particulier/hypotheek/hypotheek-berekenen","text":"Maximale hypotheek berekenen"},{"url":"/particulier/hypotheek/actuele-hypotheekrente","text":"Actuele hypotheekrente"},{"url":"/particulier/hypotheek/oversluiten","text":"Hypotheek oversluiten"},{"url":"/particulier/hypotheek/huis-kopen/je-eerste-huis-kopen/startershypotheek-berekenen","text":"Eerste huis kopen"},{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek","text":"Ander huis kopen"},{"url":"/particulier/hypotheek/jouw-hypotheek","text":"Jouw hypotheek"},{"url":"/particulier/hypotheek/hypotheekvormen","text":"Hypotheekvormen"},{"url":"/particulier/hypotheek/duurzaam-wonen","text":"Duurzaam wonen"},{"url":"/particulier/hypotheek/hypotheekadvies","text":"Hypotheekadvies"},{"url":"/particulier/hypotheek/advieskosten","text":"Kosten"},{"url":"/particulier/hypotheek/situatie","text":"Situatie"},{"url":"/particulier/hypotheek/woondiensten","text":"Woondiensten"},{"url":"/particulier/hypotheek/contact","text":"Contact"}]}]}}}