How can you tell whether your home’s value is lower than your outstanding mortgage? You can find your current mortgage balance in the annual statement from your mortgage provider. For the value of your home, you can look at the official WOZ value, or compare recent sale prices of similar homes in your area. (Note: this gives only an indication and may not always reflect the actual value.)
"}},{"componentType":"sectionTitle","title":"No plans to move"},{"componentType":"paragraph","richBody":{"value":"If you’re not planning to move, having negative equity doesn’t necessarily have to be a problem, especially if you can comfortably afford your monthly mortgage payments. Still concerned? You may want to consider making extra repayments. This can reduce the risk of ending up with a residual debt when selling your home. Check the terms of your mortgage to see what extra repayment options you have. There are both advantages and disadvantages to making extra repayments. It’s wise to list everything carefully and get good advice beforehand.
Note: a mortgage advice appointment may involve costs.
"}},{"componentType":"sectionTitle","title":"Moving home while your home has negative equity?"},{"componentType":"paragraph","richBody":{"value":"Planning to sell your home and expecting a residual debt? In some cases, this debt can be financed as part of your new mortgage for your next home. Check your mortgage terms in advance and discuss your situation with your mortgage provider. This doesn’t make the residual debt disappear, but it may help you continue with your moving plans. Also consider that the home you buy next may have decreased in value by a similar amount, meaning you may also benefit from lower house prices. Of course, the new home may also have increased in value.
"}},{"componentType":"sectionTitle","title":"A short remaining mortgage term"},{"componentType":"paragraph","richBody":{"value":"Is your mortgage term nearly ending? This can be risky if your home has negative equity. At the end of the mortgage term, the full remaining mortgage must be repaid, and extending the mortgage is not always possible. If you don’t have enough savings to repay the remaining debt at that time, you may be forced to sell your home. This could result in a residual debt.
"}},{"componentType":"sectionTitle","title":"Is the interest tax‑deductible?"},{"componentType":"paragraph","richBody":{"value":"Under certain conditions, you can deduct the interest on a residual debt from your taxable income in Box 1 for up to 15 years. This only applies to residual debts that originated between 29 October 2012 and 31 December 2017.
Important to know:
Your residual debt counts towards the maximum mortgage you can take out for a new home. This means that with a residual debt, you’ll be able to borrow less than without one.
Having control over your home and your mortgage makes life more comfortable.
If you’d like personal advice, get in touch with your mortgage adviser.
Please note: an advice appointment may involve costs.
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"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your ING mortgage","url":"/en/personal/mortgage/your-mortgage"}},"componentType":"productHeader","coreHeader":{"body":"Owning your own home often feels like a great asset, but sometimes it can also be a concern. Perhaps your property has decreased in value in recent years. If your mortgage debt is now higher than the value of your home, your home has a negative equity’. Whether this becomes a problem depends on your personal situation.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/6a63775d9e2d0c69/original/Home-with-sand-bags-in-flood.jpg","transformBaseUrl":"https://assets.ing.com/transform/342add82-c959-48d6-8dc6-0ca1d723d643/Home-with-sand-bags-in-flood","type":"image","width":5121},"subtitle":"Living with peace of mind, even when your mortgage debt is higher than your home’s value","title":"When your home has negative equity"}},"publishDate":"2026-03-26T16:54:56.039+01:00"}}