{"type":"document","data":{"id":"b9d1ce1b-eaad-4533-8b3a-e99e64dea269","localeString":"en-GB","publishDate":"2026-04-08T14:53:49.797+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Which risks are applicable with your mortgage when your life or income changes."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/personal/mortgage/your-mortgage/mortgagecheck","text":"Go to the Mortgage Check"}},"coreHeader":{"body":"What happens to your mortgage if your income falls in the future? A mortgage is taken out for a long period of time. A (partly) interest-only mortgage is not entirely without risk. Throughout the full term, you must continue to pay interest and, where applicable, repayments. Are you no longer able to do so? Please contact ING as soon as possible, so we can look for a solution together.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/aa9e256b-1cda-4d9f-8255-37f36ffc59e9/official-phone-numbers-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/1616faefe9fde80c/original/official-phone-numbers-1920.jpg","extension":"jpg"},"title":"Keeping your mortgage affordable, now and in the future"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Your life changes"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>During the term of your mortgage, many things can happen. In some situations, it may even become difficult to keep paying your mortgage. For example, if you become unemployed, retire, or if your partner passes away. We are happy to inform you about the different options available to limit the risk of payment difficulties in the future, especially when life turns out differently than you expected.</span></span></span></p><p><span><span><span>If you take out a new mortgage with ING, you will receive advice on this. If you want to increase your mortgage without advice, make sure you inform yourself thoroughly about different scenarios and the possible consequences for your personal situation.</span></span></span></p>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/343c4806-3efc-456d-8ae0-8b5ab83cb4b0/Couple-renovates-room","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/716e6a33fc8f3fd4/original/Couple-renovates-room.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Your income may change suddenly"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Your income may change without you having taken this into account. For example:</span></span></span></p><ul><li><span><span><span><span>When you reach the state pension age (AOW), your income may decrease, which can have tax implications. For instance, you may be taxed at a lower income tax rate in Box 1. As a result, the tax benefit of mortgage interest relief may also decrease, causing your net housing costs to rise. For more information, visit<br />www.belastingdienst.nl</span></span></span></span></li><li><span><span><span><span>If you or your partner <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/life-insurance\">passes away</a>, part of the household income may be lost. The home may also be transferred to the surviving dependants.</span></span></span></span></li><li><span><span><span><span>If you become <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/unemployed-or-unable-to-work\">(long-term) incapacitated for work</a>, your income usually decreases.</span></span></span></span></li><li><span><span><span><span>If you<strong> </strong>lose your job (long-term) and become <a data-type=\"internal\" href=\"/en/personal/mortgage/your-mortgage/unemployed-or-unable-to-work\">unemployed</a>, your income may decrease.</span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Your situation may change"},{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span>If you get divorced, it may be that the mortgage payments have to be paid from a single income, or that the property needs to be sold.</span></span></span></span></li><li><span><span><span><span>If you have children, your expenses may increase.</span></span></span></span></li><li><span><span><span><span>When your children start studying, your expenses may increase.</span></span></span></span></li><li><span><span><span><span>If you reduce your working hours, your income usually decreases.</span></span></span></span></li><li><span><span><span><span>If something happens to your health, your expenses may increase. For example, costs for healthcare, medication, or medical aid.</span></span></span></span></li></ul>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/d53462cf-5a81-4833-b458-ee3e4f146018/energy-prices-mortgage-payment-deferral-1920","original":"https://assets.ing.com/m/726b9034e64b7c6e/original/energy-prices-mortgage-payment-deferral-1920.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Do you have a clear view of the possible consequences?"},{"componentType":"paragraph","richBody":{"value":"<p><span lang=\"en-NL\" dir=\"ltr\"><span><span>If one or more of the above situations occur, you may no longer be able to afford your mortgage payments. This may put you at risk of having to sell your home. If the sale proceeds are insufficient to fully repay your mortgage, a residual debt arises that you must repay, while you no longer own the property.</span></span></span></p>"},"textLinks":[{"url":"/en/personal/mortgage/your-mortgage/home-with-negative-equity","text":"More about the options for repaying a residual debt"}]},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Even without a residual debt, being forced to sell your home can have negative consequences. For example, it may be difficult to find a new place to live, because you may not qualify for a new mortgage or for social housing. Or because waiting times for (social) rental housing can be long. Or because renting in the private sector may be too expensive.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"A couple of tips"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Below are some tips to help you continue to afford your monthly payments and reduce the risk of a residual debt:</span></span></span></p><p><span><span><span><strong>Tip 1:</strong> Take out a <strong>mortgage type that includes monthly repayments</strong>, such as an annuity or linear mortgage. This means your mortgage debt decreases slightly each month. If house prices fall in the future, your mortgage balance will already be lower.</span></span></span></p><p><span><span><span><strong>Tip 2:</strong> Use <strong>your own funds</strong> for the purchase or renovation of your home. This means your mortgage will already be lower than the value of your property from the start.</span></span></span></p><p><span><span><span><strong>Tip 3:</strong> Choose a <strong>shorter mortgage term</strong>, allowing you to repay more quickly. For example, a term of 20 years instead of the usual 30 years. In this example, you will be mortgage-free 10 years earlier. Your monthly payments will be higher, and your maximum mortgage amount will likely be lower with a shorter term.</span></span></span></p><p><span><span><span><strong>Tip 4:</strong> Take out <strong>insurance</strong> that allows you to continue paying your housing costs (temporarily). Consider life insurance, income protection insurance or housing cost protector (for incapacity for work and/or unemployment). These insurances either reduce your mortgage debt or temporarily cover the monthly shortfall.</span></span></span></p><p><span><span><span><strong>Tip 5:</strong> <strong>Build a buffer</strong> by saving (monthly). You can use this to cover major expenses or to temporarily supplement your income, helping you continue to pay (part of) your monthly housing costs.</span></span></span></p><p><span><span><span><strong>Tip 6:</strong> <strong>Make extra repayments</strong> on your mortgage. Repaying reduces your mortgage debt and therefore the risk of a residual debt. Each year, you can repay up to 10% of the original principal without additional costs.</span></span></span></p><p><span><span><span><strong>Tip 7:</strong> Are you taking out a mortgage together with your partner? Consider <strong>not borrowing the maximum amount</strong>. For example, ensure that the monthly payments could still be covered by just one of you.</span></span></span></p>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/72bdacef-6d2a-4e9a-8004-f4d1aa8fd24e/tips-buying-second-home-1920","original":"https://assets.ing.com/m/417b94570e1f878d/original/tips-buying-second-home-1920.jpg","extension":"jpg"}},{"componentType":"paragraph","title":"The Prevention Desk","richBody":{"value":"<p><span><span><span>Are you worried that you may not be able to continue paying your monthly housing costs next month? A specialist team is ready to help and will look at your options together with you.</span></span></span></p>"},"textLinks":[{"url":"/en/personal/mortgage/your-mortgage/concerns-about-paying-your-mortgage","text":"Find out how we can help you"}]},{"componentType":"linkList","iconTitle":{"title":"Alles wat je nodig hebt"},"textLinks":[{"url":"/particulier/hypotheek/jouw-hypotheek/verhogen-zonder-advies","text":"Verhogen Zonder Advies"},{"url":"/en/personal/mortgage/advisory-fees/new-mortgage-increase","text":"Kosten van verhogen"},{"url":"/en/personal/mortgage/your-mortgage/knowledge--and-experience-test","text":"Kennis- en ervaringstoets"},{"url":"/en/personal/mortgage/your-mortgage/considerations-when-increasing-your-mortgage","text":"Overwegingen hoogte hypotheek"},{"url":"/en/personal/mortgage/your-mortgage/choice-mortgage-type","text":"Keuze aflosvorm"},{"url":"/en/personal/mortgage/your-mortgage/nhg-and-mortgage-increase","text":"NHG en verhogen"},{"url":"/en/personal/mortgage/your-mortgage/choice-fixed-interest-rate-period","text":"Keuze rentevaste periode"},{"url":"/en/personal/mortgage/current-mortgage-rates/active-payment-discount","text":"Actieve Betaalrekening Korting"},{"url":"/en/personal/mortgage/your-mortgage/choice-mortgage-term","text":"Keuze looptijd"},{"url":"/en/personal/mortgage/your-mortgage/tax-relief-on-mortgage-interest-for-increases","text":"Hypotheekrenteaftrek"},{"url":"/particulier/hypotheek/jouw-hypotheek/inkomensrisicos","text":"Inkomensrisico's"},{"url":"/en/personal/mortgage/your-mortgage/home-value","text":"Waarde van de woning (taxatie of ING Calcasa Desktoptaxatie)"},{"url":"/en/personal/mortgage/your-mortgage/building-fund-account","text":"Bouwdepot"},{"url":"/en/personal/mortgage/your-mortgage/when-to-visit-the-notary","text":"Langs de notaris"},{"url":"/en/personal/mortgage/your-mortgage/additional-repayments","text":"Extra aflossen"}]}]}}}