Do you have insufficient savings to renovate or make your house more sustainable? Or is the expense too big to save for in the foreseeable future? Lending money is an option. This can be done by increasing your mortgage by withdrawing the surplus value or a personal loan. Which option suits you best depends on your personal situation.
"}},{"componentType":"sectionTitle","title":"Increase your ING mortgage? This is how you do it"},{"componentType":"paragraph","richBody":{"value":"Want to know if you can increase your mortgage?
The amount by which you can increase your mortgage at ING depends on your income, liabilities and the (excess) value of your property. Wondering what you can lend? Do the calculation together with an ING employee and contact us.
How do you apply for a mortgage increase?
You discuss with your mortgage advisor or intermediary the possibilities for increasing your mortgage. Your advisor definitively calculates what you can lendmaximum and by how much you can increase the mortgage. They give you advice that fits your personal situation. You will also gain insight into what your gross and net monthly expenses will be. Ultimately, your adviser will arrange the increase for you.
More about the ING Mortgage arrangement cost
Arrange it yourself, without advisor
You can save on advice fees and start renovating faster. This is possible if you have a good view of the impact of an increase on your personal situation. You start the application yourself and we will finish it together. No advice, no advice fees. Wondering if you are eligible?
More about Raising Without Advice
"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"
Your mortgage advisor will discuss with you the conditions of an increase during a free orientation meeting.
"}},{"componentType":"accordion","accordionList":[{"title":"Check the cost of increasing","richBody":{"value":"
Cost of a Mortgage Increase
Cost of a Mortgage Increase
"},"textLinks":[{"url":"/en/personal/mortgage/advisory-fees/new-mortgage-increase","text":"More about advice and handling fees"}]},{"title":"What are the consequences for your tax declaration?","richBody":{"value":"
Do you use the mortgage increase for a renovation or improvement of your home? Then the interest you pay on your increased mortgage is deductible under certain conditions. The main conditions are:
Good to know: only if your increase meets the above conditions, the advice and handling costs are tax deductible once. Do you use the increase for a large expense (for example for the study of your children)? Then these costs are not deductible.
"}}]},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/smart-calculators/house-mortgage-raise?EW=true","text":"Calculate your possibilities"}},{"componentType":"paragraph"},{"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"}]}]}}}