Discovering the pros and cons of making additional mortgage repayments can help you decide whether to start making an extra repayment right away. Read which advantages and disadvantages of extra repayments apply to your situation.
If you have an endowment mortgage, bank savings mortgage, tailor-made mortgage or an investment-linked mortgage, making additional repayments may not make good financial sense due to certain tax conditions and other factors. This is why you cannot make additional repayments on these mortgages in the app or on My ING.
With (bank) savings mortgages, making an extra deposit is sometimes more beneficial than making an extra repayment. If you repay large amounts, you could even lose your tax exemption. That’s why it’s important to first consult your adviser or intermediary.
Our advisers are here for you. If you're still unsure as to whether or not to make additional repayments or if you have one of the above mortgages, Review your Mortgage with us.
"}},{"componentType":"cta","textLink":{"text":"Review your Mortgage","url":"/en/personal/mortgage/your-mortgage/review-your-mortgage"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Or make an appointment right away","url":"https://www.ing.nl/particulier/hypotheek/contact/open-ret2?subscrid=cmnl-mort-open-ret"}]},{"componentType":"sectionTitle","title":"Make an additional repayment in the app"},{"componentType":"paragraph","richBody":{"value":"The app makes it very easy to make additional repayments. Simply select ‘Additional repayment’ in the mortgage details section of the app. As soon as you have entered the amount you intend to repay, you will instantly see how it will affect your monthly payments. Within four working days, we will deduct your repayment from your outstanding mortgage debt and you will see the repayment in the mortgage details section of the app.
"}},{"componentType":"sectionTitle","title":"Don’t have the app or My ING?"},{"componentType":"paragraph","richBody":{"value":"You can also pay off part of your mortgage by transferring the amount you want to repay to ING:
Transfer the amount to NL46INGB0005533333, in the name of ‘ING Bank N.V. Hypotheken’
In the description, state your mortgage number, the loan part number and ‘Additional repayment’. You can find both these numbers on your annual statement.
If you want to make additional repayments every month, you can set up a monthly standing order.
Please note: Do you want your repayment included in the overview of the tax authority in 2025? Please make your repayment before 21.00h on the 23rd of December 2025.
When you make an additional repayment on your annuity mortgage in the app or on My ING, we will automatically lower your monthly payments accordingly.
"},"title":"Additional repayments on an annuity mortgage"},{"richBody":{"value":"If you make an extra repayment on a Linear Mortgage via Mijn ING or the ING App, we will automatically reduce the monthly repayment amount; the term of the loan remains unchanged.
"},"title":"Additional repayments on a linear mortgage"},{"richBody":{"value":"If you do not repay the mortgage in full, but only one (loan) part, you can do so without a repayment note via the button 'Extra repayment' or by means of a manual transfer. You don't need a repayment note for this.
"},"title":"Can I receive a repayment note if I want to repay one loan part?"},{"richBody":{"value":"If you have made an additional repayment on an Annuity Mortgage, the old monthly amount will be collected at the first collection after your extra repayment. Then we calculate the annuity again, and in the next month your new monthly charge will be collected.
Example: you made an additional repayment on 15 September, which means that the monthly charge is still the same with the collection of 1 October. On November 1, your new monthly payment will be collected. We calculate the ratio between interest and repayment in the collection of 1 October as such that you do not pay too much interest on the repaid amount.
"},"title":"I have made an additional repayment but the same monthly charge has been written off, why?"},{"richBody":{"value":"In the ING app and My ING you always see the monthly charge that was collected last from your payment account. The monthly charge that you see in the ING App or My ING will be adjusted after the collection has taken place.
"},"title":"I have made an additional repayment but my monthly amount in the ING app and My ING is still the same, how can that be?"},{"richBody":{"value":"If you want to repay an amount on your mortgage via the button 'Extra repayment', you first enter the desired repayment amount. Before you confirm the repayment, you will see an overview of what the possible costs are and what your new monthly payment will be after the repayment.
"},"title":"How do I know what my monthly payment will be after an additional repayment?"},{"richBody":{"value":"Unfortunately, it is not possible to cancel an additional repayment unless ING has made a mistake in processing the repayment.
"},"title":"Can I turn back an additional repayment?"},{"richBody":{"value":"The processing of an additional repayment takes 3 working days. After 3 working days you will see the repaid amount deducted from the outstanding mortgage debt in the ING app and My ING. There will also be a letter confirming the additional repayment.
"},"title":"I have made an extra repayment, why do I not yet see it in the ING app or My ING?"},{"richBody":{"value":"Which loan part can best be repaid depends on your personal situation and wishes. ING cannot advise you on this. You can read more about the advantages and disadvantages of making additional repayments.
"},"title":"Which loan part can I repay best?"},{"richBody":{"value":"An extra deposit on your linked policy or bank savings account is possible under certain conditions. If you would like to make an extra deposit in the linked policy or linked bank savings account of a (Bank) Savings Mortgage, please contact us.
"},"title":"How do I invest extra on a (Bank) Savings Mortgage or Maatwerk Mortgage?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Do you have questions?"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"The pros and cons of repayments","url":"/en/personal/mortgage/your-mortgage/pros-and-cons-additional-repayments"},{"text":"Repayment charges","url":"/en/personal/mortgage/your-mortgage/early-repayment-and-interim-mortgage-rate-adjustment-charges"}]}]},"hasMacro":false,"id":"5eb88425-e6d6-41a8-82c0-c0d1800f2e3f","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customer's convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or call our customer service via the ING app.
"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your ING mortgage","url":"/en/personal/mortgage/your-mortgage"}},"componentType":"productHeader","coreHeader":{"body":"Open the app, click your mortgage and select ‘Additional repayment’. Or make an additional repayment on My ING.","headerImage":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/7180a4572e1edb83/original/Dad-and-son-exploring.jpg","transformBaseUrl":"https://assets.ing.com/transform/036004d7-b068-4108-bfe5-e4314864485d/Dad-and-son-exploring","type":"image","width":7952},"subtitle":"Do it the easy way in the app or on My ING","title":"Making additional repayments on your mortgage"},"cta":{"componentType":"cta","textLink":{"text":"Make an additional repayment now","url":"https://mijn.ing.nl/banking/mortgages/additional-repayment"}}},"publishDate":"2026-06-30T12:49:53.159+02:00"}}