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":[{"text":"Schedule your own appointment","url":"https://www.ing.nl/particulier/hypotheek/contact/verhogen?subscrid=cmnl-mort-verhogen"},{"text":"Mortgage advice: What & How?","url":"/en/personal/mortgage/mortgage-advice"}],"title":"Important for entrepreneurs"},{"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.
"},"title":"Sustainability through increasing without advice"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Increase Without Advice: That's how it works"},{"body":"You will be assisted by a mortgage specialist. We do this by phone.","componentType":"applicationProcess","steps":{"stepList":[{"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 set up a phonecall appointment"},{"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":"You will take a knowledge and experience test"},{"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":"Upload the information we need"},{"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":"We'll check your details"},{"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":"Together we will follow up on your request"},{"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":"You sign the offer"},{"body":"In the event of a private increase, the payment will take place after we have received the deed of Loan and/or deed of Depot signed from you back. The mortgage increase will then be made available to you within a few days.\r\n\r\nIf it is not a private increase, we will let you know when the notary has received the documents from us. As soon as you have visited the notary, the mortgage increase will be made available to you within a few days.","title":"The disbursement is being prepared"},{"body":"Your specialist will tell you whether you can find the funding in a construction or sustainability depot in My ING or the App or whether it will be a payout on your account. Renovating, improving and/or making sustainable can begin.","title":"All done!"}],"title":"Make an appointment"}},{"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.
"}},{"accordionList":[{"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":[{"text":"Schedule by yourself","url":"https://www.ing.nl/particulier/hypotheek/contact/verhogen?subscrid=cmnl-mort-verhogen"},{"text":"Mortgage advice: What & How?","url":"/en/personal/mortgage/mortgage-advice"}],"title":"Important: when we recommend you to go for advice"}],"componentType":"accordion"},{"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":[{"text":"Call appointment: what & how","url":"https://www.ing.nl/particulier/hypotheek/contact/verhogen?subscrid=cmnl-mort-verhogen"}]}]},"hasMacro":false,"id":"7274b93b-ca5d-4113-8dd3-210f3c179fa3","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your ING mortgage","url":"/en/personal/mortgage/your-mortgage"}},"componentType":"productHeader","coreHeader":{"body":"Do you want to increase your mortgage? And save on the advice fees? Then consider an increase without advice.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/e4ba0262-a76d-41cb-8221-fe3b59d6d570/low-section-of-man-walking-on-footpath.jpg","transformBaseUrl":"https://assets.ing.com/transform/e4ba0262-a76d-41cb-8221-fe3b59d6d570/low-section-of-man-walking-on-footpath","type":"image","width":5710},"subtitle":"Possible for renovations up to € 140,000","title":"Increase without advice"},"cta":{"componentType":"cta","textLink":{"text":"Calculate your possibilities","url":"https://mijn.ing.nl/banking/mobile/smart-calculators/house-mortgage-raise?EW=true"}},"legalBanner":{"body":"Let op! Geld lenen kost geld","componentStyle":"default","headerBannerType":"headerBannerType","image":{"extension":"svg","original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46}},"usps":[{"body":"No advice fees","icon":{"extension":"svg","original":"https://assets.ing.com/m/3cfaa744bddc4a1d/original/Invest-in-house_Spot.svg","transformBaseUrl":"https://assets.ing.com/transform/b23e62f5-273b-44cc-9d13-ac0b4ba75b7e/Invest-in-house_Spot","type":"image","width":160}},{"body":"Guidance via mortgage specialist","icon":{"extension":"png","original":"https://assets.ing.com/m/6521481941409ca2/original/Bloomreach_illustraties_Profile.png","transformBaseUrl":"https://assets.ing.com/transform/79313ac0-6f34-4208-97ed-0fec28271745/Bloomreach_illustraties_Profile","type":"image","width":4501}},{"body":"Knowledge and experience test mandatory","icon":{"extension":"svg","original":"https://assets.ing.com/m/67dbf253d3f51cf3/original/Phonesuccess.svg","transformBaseUrl":"https://assets.ing.com/transform/2a0d7aaf-8a10-4264-b373-8b4aafe420b2/Phonesuccess","type":"image","width":1080}}]},"publishDate":"2026-05-21T15:22:14.747+02:00"}}