The loan-to-value ratio is a percentage that reflects how your total mortgage debt relates to the most recently registered market value of your home. It indicates the risk that, if your house were to be sold, the sale proceeds would not be enough to pay off your mortgage debt. The higher the loan-to-value ratio, the greater this risk is. Each loan-to-value ratio falls into a certain risk category. At the start of your fixed-rate period, we established which risk category and associated interest rate apply in your case. Here’s how to calculate your current loan-to-value ratio:
Loan-to-value ratio = mortgage dept / market value x 100%
"}},{"componentType":"sectionTitle","title":"Find out if you qualify for a lower interest rate"},{"componentType":"paragraph","richBody":{"value":"If the market value of your home has gone up or you've paid off part of your mortgage, your loan-to-value ratio will have gone down. If you want to find out the interest rate for your current loan-to-value ratio, here’s how to check it:
When the value of your home goes up, your loan-to-value ratio goes down. This could mean that you qualify for a lower interest rate. Your rate will not be lowered automatically. Requesting a mortgage rate change is easy, all you need to do is let us know the new, higher value of your home in the ING Mobile Banking app or on Mijn ING. In some cases, even a minor increase in value can mean you qualify for a lower mortgage rate.
"}},{"componentType":"sectionTitle","title":"Paid off part of your mortgage?"},{"componentType":"paragraph","richBody":{"value":"If you’ve paid off part of your mortgage, your loan-to-value ratio will be lower, and that may qualify you for a lower mortgage rate. ING’s current policy is that, as a service to our mortgage customers, we check whether the loan-to-value ratio has gone down as a result of repayments. We do this every month during the fixed-rate period. The payments can be the agreed monthly repayments on an annuity or linear mortgage, for example, or additional repayments you’ve made.
If the loan-to-value ratio has come down as a result of repayments and your new mortgage debt qualifies you for a lower interest rate according to your product interest rate table, we will automatically change the interest rate as a service to you. We will do this based on your total current mortgage debt at that time and the most recently registered market value of the collateral. If our monthly check shows that your loan-to-value ratio has reduced, we will send you a message to notify you and let you know that your mortgage rate will be lowered as a result. As soon as the rate has been lowered, we will send you a new mortgage statement with your new gross monthly payment and details of when it will be debited for the first time. The interest rate change will take effect from the first day of the next month. The new rate will not apply retroactively.
Good to know: A lower interest rate may reduce the interest you can deduct from your income on your tax return. If you use the Dutch Tax Administration’s provisional tax refund service, make sure you change it in time.
"}},{"componentType":"paragraph","richBody":{"value":"The automatic loan-to-value ratio change during the current fixed-rate period as described here is a service provided by ING and not part of your mortgage agreement. ING reserves the right to change or discontinue this service at any time. If we do, we’ll let you know. Needless to say, after we discontinue this service, you can still contact us yourself to have us adjust your loan-to-value ratio.
"}},{"componentType":"paragraph","richBody":{"value":"If repayments on your endowment mortgage or savings-based mortgage have brought down your loan-to-value ratio, we will notify you of the change to your loan-to-value ratio if your product interest rate table shows that the new ratio is linked to a lower interest rate, but we will not change the interest rate for you as a service, unless you have a version 1 savings-based mortgage. We will not change it for you, because lowering the interest rate on the back of a change to the loan-to-value ratio could mean that you will have to save more or pay more in premiums to reach the same target capital in the savings account linked to the mortgage. This could cause your net monthly outgoings to rise. Since only you can assess this, it has to be your decision whether or not you want us to change the loan-to-value ratio. Contact us by chat or by calling +31 (0)20 22 888 88 if you want us to change the loan-to-value ratio for your whole mortgage with an endowment or savings component.
"},"title":"Do you have an endowment mortgage or other savings-based mortgage?"},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.
"},"title":"Good to know"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Your ING mortgage","url":"/en/personal/mortgage/your-mortgage"}},"componentType":"productHeader","coreHeader":{"body":"If you’ve paid off part of your mortgage or the value of your home has gone up, you may qualify for a lower mortgage rate.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/10ee0e9c8120ce06/original/money-and-happiness-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/9c46f9f0-62cb-4b56-826a-be082f45f6e3/money-and-happiness-1920","type":"image","width":1920},"subtitle":"If you have a mortgage without the Dutch National Mortgage Guarantee (NHG), the fixed-rate interest you pay depends on factors such as the loan-to-value ratio.","title":"Qualifying for a lower interest rate"}},"publishDate":"2026-04-29T16:15:50.317+02:00"}}