Are you an entrepreneur? Do you have less than 3 complete financial years? And/or do you have more than 2 registrations with chambers of commerce (KVK) or participations in other companies? Then a mortgage increase is only possible with advice.
Did you know that our advice always starts with a free consult? You're not tied to anything with this yet.
"},"textLinks":[{"url":"https://www.ing.nl/particulier/hypotheek/contact/verhogen?subscrid=cmnl-mort-verhogen","text":"Schedule your own appointment"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice: What & How?"}]},{"title":"Sustainability through increasing without advice","richBody":{"value":"Want to make your property more sustainable? Do you already have a mortgage with ING? Then you can also finance this with a sustainability depot. If you apply for this through Increase Without Advice, you now pay temporarily reduced processing fees of €150.
Please note: If you combine your sustainability deposit with an increase for housing improvements other than just sustainability, you will pay the regular handling costs of €750 for Increase Without Advice.
"}}]},{"componentType":"sectionTitle","title":"Increase Without Advice: That's how it works"},{"componentType":"applicationProcess","body":"You will be assisted by a mortgage specialist. We do this by phone.","steps":{"title":"Make an appointment","stepList":[{"title":"You set up a phonecall appointment","body":"We'll call you when it's convenient for you. You hear how much you can increase. You will also get an indication of your new monthly expenses. In addition, we discuss the follow-up."},{"title":"You will take a knowledge and experience test","body":"In My ING and the app we set up a message for you, with which you automatically can go to the test. Duration: about 60 minutes. You get the results straight away."},{"title":"Upload the information we need","body":"You get a message via my ING and the app to do this. Failed? Don't worry, you can choose to call us to discuss the next step."},{"title":"We'll check your details","body":"You will know if your increase is suitable for your situation. You will also hear how you can have your home value determined (without this valuation, increasing is unfortunately not possible)."},{"title":"Together we will follow up on your request","body":"We do this in a final video call. We will then arrange your request for an increase. Application approved? Then you will receive an offer."},{"title":"You sign the offer","body":"Do you agree? You will then return your offer, signed. Do you have sufficient space in your increased registrations? You don’t have to go to the notary. Otherwise, We will make sure they get what they need, and you'll stop by for the final signature."},{"title":"All done!","body":"You will find the increased loan part as a building deposit and/or sustainability depot in My ING and the app. Renovating, improving and/or making your house more sustainable can be started."}]}},{"componentType":"sectionTitle","title":"No advice fees"},{"componentType":"paragraph","richBody":{"value":"Are you going to increase without advice? Then you only pay the handling costs to make your mortgage increase in order.
"}},{"componentType":"sectionTitle","title":"This is why a mandatory knowledge and experience test is required"},{"componentType":"paragraph","richBody":{"value":"You are tied to your increased mortgage for a long time. Even if it is financially difficult, you must be able to continue to pay your new monthly expenses
We test your mortgage knowledge via an exam. This is legally required. This way we know if you can understand what an increase means for your financial situation. Now and in the future.
"}},{"componentType":"accordion","accordionList":[{"title":"Important: when we recommend you to go for advice","richBody":{"value":"We advise against Increasing without Advice if you recognise yourself in the following:
Did you know that our advice always starts with a free consult? You're not tied to anything with this yet.
"},"textLinks":[{"url":"https://www.ing.nl/particulier/hypotheek/contact/verhogen?subscrid=cmnl-mort-verhogen","text":"Schedule by yourself"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice: What & How?"}]}]},{"componentType":"sectionTitle","title":"Are you unsure about increasing with or without advice?"},{"componentType":"paragraph","richBody":{"value":"Make a call appointment and ask us all your questions. You're not tied to anything with this yet.
"},"textLinks":[{"url":"https://www.ing.nl/particulier/hypotheek/contact/verhogen?subscrid=cmnl-mort-verhogen","text":"Call appointment: what & how"}]}]}}}