{"type":"document","data":{"id":"78bad44c-8c6d-432b-bd78-8a99d5e49781","localeString":"en-GB","publishDate":"2026-04-13T14:54:59.494+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Has your home value increased? This could result in a lower mortgage interest rate."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mortgages/loan-to-value-adjustment","text":"Upload your home value"}},"coreHeader":{"body":"If your home increases in value and you have a mortgage without a National Mortgage Guarantee (NHG), your mortgage interest rate may be reduced. You can easily notify us yourself of an increase in the value of your home.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a3e03f56-f902-4972-a3aa-118770e5d8f2/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation","type":"image","width":6019,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/522889674772ad0b/original/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation.jpg","extension":"jpg"},"title":"Has your home value increased?","subtitle":"Your mortgage interest might be lowered"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Request an interest change","richBody":{"value":"<p>Do you think that a higher home value will result in a lower <a href=\"https://www.ing.nl/particulier/hypotheek/actuele-hypotheekrente\">mortgage interest</a>? Report it to us! We kindly request that you send us one of the following documents: a WOZ document, an ING Calcasa Desktop valuation or a validated valuation report. Your request will be processed as quickly as possible and you will receive confirmation of this.</p><p>Please ensure that the documents meet the following conditions: </p>"}},{"componentType":"paragraph","title":"WOZ","richBody":{"value":"<ul><li>This year&apos;s WOZ document, with a valuation date from the previous year.</li><li>The document must bear the municipal logo.</li><li>Would you like to submit a printout from the internet? If so, please use www.wozwaardeloket.nl. If this is not possible, please ensure that the printout is certified with a municipal stamp. </li></ul>"}},{"componentType":"paragraph","title":"Valuation report","richBody":{"value":"<ul><li>Not older than 6 months. </li><li>Created by a registered valuer in accordance with the model “Valuation report for residential property financing, January 2024”.</li><li>Validated by a certified validation institute affiliated with the Foundation for Valuations and Validations (STenV). </li></ul>"}},{"componentType":"paragraph","title":"ING Calcasa Desktop valuation","richBody":{"value":"<ul><li><a href=\"https://www.ing.nl/particulier/hypotheek/ingcalcasadesktoptaxatie\">ING Calcasa Desktop valuation</a> is not older than 6 months.</li><li>Requested through ING.nl or through an valuator who is also authorised to request ING Calcasa Desktop valuation.</li></ul>"}},{"componentType":"linkList","iconTitle":{"title":"Do you have questions?"},"textLinks":[{"url":"/en/personal/customer-service","text":"Frequently asked questions mortgages"}]},{"componentType":"linkList","iconTitle":{"title":"Hypotheken"},"textLinks":[{"url":"/particulier/hypotheek/hypotheek-berekenen","text":"Maximale hypotheek berekenen"},{"url":"/particulier/hypotheek/actuele-hypotheekrente","text":"Actuele hypotheekrente"},{"url":"/particulier/hypotheek/oversluiten","text":"Hypotheek oversluiten"},{"url":"/particulier/hypotheek/huis-kopen/je-eerste-huis-kopen/startershypotheek-berekenen","text":"Eerste huis kopen"},{"url":"/particulier/hypotheek/huis-kopen/ander-huis-kopen/maximale-hypotheek","text":"Ander huis kopen"},{"url":"/particulier/hypotheek/jouw-hypotheek","text":"Jouw hypotheek"},{"url":"/particulier/hypotheek/hypotheekvormen","text":"Hypotheekvormen"},{"url":"/particulier/hypotheek/duurzaam-wonen","text":"Duurzaam wonen"},{"url":"/particulier/hypotheek/hypotheekadvies","text":"Hypotheekadvies"},{"url":"/particulier/hypotheek/advieskosten","text":"Kosten"},{"url":"/particulier/hypotheek/situatie","text":"Situatie"},{"url":"/particulier/hypotheek/woondiensten","text":"Woondiensten"},{"url":"/particulier/hypotheek/contact","text":"Contact"}]}]}}}