Customers with an interest-only loan part. By this we mean any loan part with one of the following product types: Interest-Only Mortgage, Investment mortgage (including the extra borrowing variant), Life mortgage, Home equity mortgage, Fund mix mortgage (including the extra borrowing variant).
"}},{"componentType":"sectionTitle","title":"Repaying? It can be a smart move"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/asset/d0b195ac-0bdd-433b-914d-a9041b6685eb/woman-planning-Finances.svg","transformBaseUrl":"https://assets.ing.com/transform/d0b195ac-0bdd-433b-914d-a9041b6685eb/woman-planning-Finances"},"componentType":"paragraph","richBody":{"value":"By repaying, your debt decreases. And eventually, so do your monthly costs. You may prefer not to think about it. Still, it pays to start now. Even with a small amount. It could make a real difference later.
At an interest rate of 5%, you save €50 gross per year for every €1,000 you repay. So if you repay €10,000 on your mortgage, you save €500 gross per year. Gross means this does not yet take mortgage interest tax relief into account. The net saving on your monthly costs is therefore usually lower.
Would you like to know what repaying could mean for you? Do the Mortgage Repayment Check.
Not sure whether making an extra repayment is right for your situation? You can contact your mortgage adviser or broker. Ask about any costs in advance.
Are you planning to move house, renovate your home or increase your mortgage in the near future? If so, making a repayment may not be the right choice for you. You may prefer to keep this money available for those plans.
"}},{"componentType":"sectionTitle","title":"How to get 5% cashback"},{"componentType":"paragraph","richBody":{"value":"If you repay your Interest-Only Mortgage during the promotion period, you will receive money back from us. This way, you make your mortgage more future-proof and benefit too.
Registering for this offer does not oblige you to make a repayment.
By repayment, we mean that during the promotion period you pay back an amount on your interest-only mortgage. This reduces your mortgage debt. At the end of the term, you will still need to repay the remaining amount outstanding.
"},"title":"What do you mean by ‘repayment’ during this promotion?"},{"richBody":{"value":"The minimum repayment amount is €100. The cashback applies per owner-occupied collateral on repayments of up to €200,000. This means you can receive a maximum cashback amount of €10,000 per collateral. You may repay more, but no cashback will be paid on any amount above €200,000 per owner-occupied collateral.
"},"title":"Can I receive cashback more than once?"},{"richBody":{"value":"By repaying, you reduce your mortgage debt, pay less interest overall, and have less debt remaining at the end of the term. Read more about all the advantages and disadvantages of extra repayments.
Repayments may affect your loan-to-value ratio. This is the ratio between your mortgage debt and the value of your home. If your debt decreases, this ratio may improve. In some cases, this can affect the interest rate you pay. Read how making extra repayments can affect your mortgage interest rate.
"},"title":"What are the consequences of repaying?"},{"richBody":{"value":"The Dutch Tax and Customs Administration considers the cashback as a benefit related to your mortgage. ING offsets this benefit against the interest you pay. As a result, you effectively pay less interest. ING includes the adjusted interest amount on your annual statement, reports it to the tax authorities and includes it in your pre-completed tax return.
By repaying, you pay less mortgage interest. As a result, you can deduct less interest in Box 1. You will have fewer deductions, which often means your taxable income is higher. It is therefore advisable to check whether your provisional assessment is still correct and adjust it if necessary.
For more information, visit www.belastingdienst.nl.
"},"title":"What are the consequences for my tax return?"},{"richBody":{"value":"Each year, you can repay part of your mortgage early without costs. This is usually up to 10% of the original principal per loan part. In some cases, you can repay more or even unlimited amounts free of charge, for example if the current interest rate is higher than your mortgage rate.
In the app and in My ING, you can see how much you can currently repay without costs. Do you want to repay more than this amount? Then fees may apply. Always check what this means for your mortgage and whether the amount fits your financial situation.
"},"title":"Are there any costs associated with repaying?"},{"richBody":{"value":"ING may run multiple cashback promotions for interest-only mortgages at the same time. These promotions can be combined.
"},"title":"Can I combine this promotion with other offers?"},{"richBody":{"value":"Then you will not receive the 5% cashback. After the promotion period, we will check whether all conditions were met.
"},"title":"What happens if I do not meet all the conditions?"},{"richBody":{"value":"Yes, provided that you registered for the promotion during the registration period. Even if you made the repayment first (as long as it was within the promotion period) and registered afterwards, you can still participate in the promotion.
"},"title":"I made the repayment before the registration was completed. Am I still eligible for the promotion?"},{"richBody":{"value":"From 22 June 2026 until 15 October 2026.
"},"title":"What is the registration period?"},{"richBody":{"value":"Mortgage loan parts in one of the following product types: Interest-Only Mortgage, Investment Mortgage (including the Additional Borrowing variant), Life Mortgage, Home Equity Mortgage, and Funds Mix Mortgage (including the Additional Borrowing variant).
"},"title":"Which mortgage product types are included in this promotion?"},{"richBody":{"value":"Yes, that's correct. It takes approximately three business days for the repayment to be processed in our systems.
"},"title":"Could it be that my repayment is not immediately visible in the mortgage overview or reflected in my outstanding mortgage balance?"},{"richBody":{"value":"Yes, you will receive a confirmation when your registration has been received. You will also receive a confirmation once both your registration and repayment have been processed. You will receive the confirmatin via an inbox messages in your ING app, or a letter. Please note that this may take a few days.
"},"title":"Will I receive a registration confirmation?"},{"richBody":{"value":"You can find this information in your mortgage overview (in the app or My ING).
"},"title":"How much can I repay without paying an early repayment charge?"},{"richBody":{"value":"Are you moving home or requesting a partial release of your mortgage security and therefore fully or partially repaying your loan part? If so, you are not eligible for this promotion.
"},"title":"Can I still participate in the cashback promotion if I fully repay my mortgage?"},{"richBody":{"value":"If you make multiple repayments, you will receive cashback separately for each repayment. Each cashback payment will be made within 4 months after the month in which the repayment was made. For example, if you make repayments in July and September, you will receive the cashback for the July repayment no later than the end of November and the cashback for the September repayment no later than the end of January. The maximum cashback you can receive is €10,000 per collateral.
"},"title":"When will I receive my cashback if I make multiple repayments?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"c057f21e-207a-4bf9-85d2-a0a3238877a9","legalZone":{"flexComponents":[{"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":"campaignHeader","coreHeader":{"body":"Repaying your mortgage, that’s something for later, right? True. But if you start repaying a little now, you’ll have more room later for the things that matter to you then. For a limited time, receive 5% cashback!","campaignTitle":{"primaryTitle":"Repay and","secondaryTitle":"get 5% back"},"headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/870d8fc5-3ed6-47b7-a402-8f872966615c/Portrait-of-senior-woman-wearing-heart-shaped-glasses-pulling-funny-faces.jpg","transformBaseUrl":"https://assets.ing.com/transform/870d8fc5-3ed6-47b7-a402-8f872966615c/Portrait-of-senior-woman-wearing-heart-shaped-glasses-pulling-funny-faces","type":"image","width":5893},"subtitle":"Receive now 5% cashback when you make a repayment on your Interest-Only Mortgage"}},"publishDate":"2026-09-10T14:41:24.437+02:00"}}