You invest to build up capital. You use this capital to repay your mortgage in full or in part at the end of the term. The level of risk you take depends on your investments. Does your mortgage only have a short remaining term? If so, it may be wise to invest less riskily. You then have less time to recover from disappointing investment results. You can also choose to sell your investments earlier and use the proceeds to repay part or all of your mortgage in advance. Any remaining debt can be paid using your own funds. If that is not possible, you can explore whether converting to a mortgage with monthly repayments is a solution.
"},"title":"1. It may be wise to secure the value you have built up towards the end of the term"},{"richBody":{"value":"This reduces your debt and means you pay less interest. If you repay part of your mortgage using the value built up in your investments, your mortgage balance decreases. As a result, you pay less interest. In some cases, the interest rate may also decrease, for example if the ratio between your mortgage debt and the value of your home improves. Read more about the loan-to-value ratio.
"},"title":"2. You can use the value already built up to repay part of your mortgage"},{"richBody":{"value":"Do you want to avoid having a mortgage balance remaining at the end date? If so, it may be beneficial to convert your investment mortgage into a mortgage with monthly repayments so that you know your debt will be fully repaid at the end of the term.
If your investments deliver insufficient returns, you will need to repay the remaining debt at the end date, for example using your savings. If that is not possible, you may sometimes be able to extend your mortgage. This is only possible if you have sufficient (pension) income at that time and if it fits within ING’s policy in force at that moment. If extending is not possible, selling your home may be necessary in order to repay the mortgage.
Please note: you can also choose to continue your investment account until the end date and make additional repayments in the meantime. In many cases, you are allowed to repay up to 10% of the mortgage amount each year without incurring a penalty.
"},"title":"3. You avoid a potential residual debt by choosing a mortgage with monthly repayments"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"The disadvantages"},{"accordionList":[{"richBody":{"value":"If you repay part or all of your mortgage before the end date using the value of your investments, early repayment charges may apply. You do not have to pay these costs at the end date itself, but you may have to pay them during the term. This depends, for example, on the size of the repayment, the moment at which you repay the mortgage and the level of the current mortgage interest rate. Read more about costs for early repayment of your mortgage. You can always contact us to discuss your options.
"},"title":"1. Costs may apply"},{"richBody":{"value":"If you switch to a mortgage with monthly repayments, you will repay capital as well as interest. As a result, your monthly payments are usually higher than with an investment mortgage.
The amount of the monthly repayment depends on the remaining term and the size of your loan. Read more about mortgage types with monthly repayments at Annuity Mortgage and Linear Mortgage.
"},"title":"2. Your monthly payments may increase"},{"richBody":{"value":"By converting your mortgage, you stop investing. As a result, you may miss out on future returns. You do gain certainty: the mortgage is repaid according to a fixed schedule, but additional returns are no longer possible.
"},"title":"3. You stop investing and may miss out on returns"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Want to talk things through?"},{"componentType":"paragraph","richBody":{"value":"Would you like to know whether converting is right for you? Or are you curious about your new monthly payments?
We are happy to think along with you.
"}},{"componentType":"cta","textLink":{"text":"Get in touch","url":"https://www.ing.nl/particulier/hypotheek/contact/fh?subscrid=cmnl-mort-fh"}}]},"hasMacro":false,"id":"dc937df3-f813-4c0f-b1f4-34d16b845d6d","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your ING mortgage","url":"/en/personal/mortgage/your-mortgage"}},"componentType":"productHeader","coreHeader":{"body":"If your wishes and starting points have changed, it may be sensible to convert your ING Investment Mortgage so that your mortgage type better suits your current personal situation. Converting your ING investment mortgage has both advantages and disadvantages. We set them out for you below.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/bfd641de1467144/original/GROUP-OF-PEOPLE-SITTING-ON-SOFA.JPG","transformBaseUrl":"https://assets.ing.com/transform/6dacae0c-d545-4d6e-9ce9-a2c071a41137/GROUP-OF-PEOPLE-SITTING-ON-SOFA","type":"image","width":4239},"title":"Converting an ING Investment Mortgage, the pros and cons explained"},"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}}},"publishDate":"2026-07-02T16:41:41.798+02:00"}}