{"type":"document","data":{"id":"57844a70-fe63-44dc-8cd8-86afb9401441","localeString":"en-GB","publishDate":"2026-04-13T14:47:09.167+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"From 1 May 2014 to 1 July 2021, the amount of your mortgage interest rate was partly determined by the loan to value discount or surcharge. The amount of this surcharge or discount depends on the loan to value ratio."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"From 1 May 2014 to 1 July 2021, the amount of your mortgage interest rate was partly determined by the loan to value discount or surcharge. The amount of this surcharge or discount depends on the loan to value ratio. This is the ratio of the amount of the mortgage debt to the market value of your home. The higher the loan to value ratio, the greater the risk of residual debt when you sell your home. That is why, if you have a higher loan to value ratio, you will receive a surcharge on top of your mortgage interest rate. And if you have a lower loan to value ratio, you will receive a discount. Do you have an NHG mortgage? In that case, the loan to value ratio is not taken into account when determining your mortgage interest rate.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/215ef5b6-0a25-43cc-b1d5-e2f619caf7cb/home-insurance-for-owner-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2a1525b4553de3a3/original/home-insurance-for-owner-1920.jpg","extension":"jpg"},"title":"Loan to value surcharge or discount"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Loan to value and product interest","richBody":{"value":"<p>Vanaf 1 juli 2021 hoort bij elke combinatie van de schuld-marktwaardeverhouding, hypotheekvorm en rentevaste periode een specifiek rentepercentage: de productrente. De schuld-marktwaardeverhouding is de verhouding van de hoogte van de hypotheekschuld ten opzichte van de marktwaarde van jouw woning. Hoe hoger de schuld-marktwaardeverhouding, hoe groter het risico op een restschuld bij verkoop van je woning. Daarom krijg je bij een hogere schuld-marktwaardeverhouding een hogere productrente. Heb je gekozen voor <a href=\"https://www.ing.nl/particulier/hypotheek\">een hypotheek</a> met Nationale Hypotheek Garantie (NHG)? Dan geldt de aparte NHG-productrente en wordt er bij het bepalen van jouw <a href=\"https://www.ing.nl/particulier/hypotheek/actuele-hypotheekrente\">hypotheekrente</a> geen rekening gehouden met de schuld-marktwaardeverhouding. Bovenop deze productrentes gelden mogelijk andere rentecomponenten, afhankelijk van je keuzes. </p><p>From 1 July 2021, each combination of loan to value ratio, mortgage type and fixed interest rate period will have a specific interest rate: the product interest rate. The loan to value ratio is the ratio of the amount of the mortgage debt to the market value of your home. The higher the loan to value ratio, the greater the risk of residual debt when you sell your home. That is why you will be charged a higher product interest rate if you have a higher loan to value ratio. Have you opted for a mortgage with a National Mortgage Guarantee (NHG)? In that case, the separate NHG product interest rate applies and the loan to value ratio is not taken into account when determining your mortgage interest rate. In addition to these product interest rates, other interest components may apply, depending on your choices. </p>"},"textLinks":[{"url":"/particulier/hypotheek/actuele-hypotheekrente/voorwaarden-vaste-hypotheekrente","text":"More about the structure of your fixed mortgage interest rate"},{"url":"/en/personal/mortgage/your-mortgage/possibly-lower-mortgage-rate","text":"More about a potentially lower interest rate"}]}]}}}