{"type":"document","data":{"id":"dad862ff-1ea4-4378-84da-abd572b5fb03","localeString":"en-GB","publishDate":"2026-04-13T14:26:59.050+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Has your property's value increased or have you made repayments? You may be eligible for a lower mortgage interest rate."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"If so, you may be entitled to a lower interest surcharge.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/21dda73d-0944-461f-9cae-3f50672cd795/Father_juggles_two_oranges_in_the_kitchen-low-res","type":"image","width":1024,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/3eff34ac9c8a9bed/original/Father_juggles_two_oranges_in_the_kitchen-low-res.jpg","extension":"jpg"},"title":"Reducing your mortgage rate by making repayments","subtitle":"Your mortgage rate may include an interest surcharge. Have you made (additional) repayments or has your home increased in value?"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"How to request a rate reduction after making a repayment on your mortgage","richBody":{"value":"<p>After making a repayment on your mortgage, you may be entitled to a lower surcharge or a higher discount. This adjustment is not made automatically, so remember to contact us for this. Bear in mind that it takes five working days to process a repayment. To ensure speedy processing, please wait until after this period has passed before contacting us. </p>"}},{"componentType":"paragraph","title":"How it works","richBody":{"value":"<ol><li>Contact us on +31 (0)20 22 888 88</li><li>We will check if you qualify for a lower surcharge or a higher discount</li><li>If you do, we will adjust the interest rate during the fixed-rate period, albeit not retroactively</li><li>You will receive confirmation from us within three working days </li></ol>"}},{"componentType":"paragraph","title":"Good to know","richBody":{"value":"<ul><li>If you have <a data-type=\"internal\" href=\"/en/personal/mortgage\">a mortgage</a> in combination with the Dutch National Mortgage Guarantee (NHG), your mortgage rate will be the NHG rate and there will be neither a surcharge nor a discount.</li><li>If you have a variable-rate <a data-type=\"internal\" href=\"/en/personal/mortgage\">mortgage</a>, a change to your loan-to-value ratio will generally not affect your interest rate.</li><li>If you have a bank savings mortgage or other kind of savings-based mortgage, it’s not always a good idea to lower your interest rate. It would basically mean that you would have to pay more into the savings account or pay more in premiums to reach the target capital by the date when you have to use those funds to pay off your mortgage. After all, you would also earn interest on your savings at a lower rate. (Ask your adviser whether choosing a lower interest rate might be an interesting option for you.) </li></ul>"}},{"componentType":"linkList","iconTitle":{"title":"Any questions?"},"textLinks":[{"url":"https://www.ing.nl/particulier/zoeken.html?q=hypotheek+rente+en+tarieven","text":"Frequently asked questions about mortgage interest and rates"}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/mortgage/your-mortgage/possibly-lower-mortgage-rate","text":"Changing your mortgage rate based on home equity"},{"url":"/particulier/hypotheek/actuele-hypotheekrente/opbouw-vaste-hypotheekrente","text":"Fixed mortgage rate structure (Dutch)"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"<p>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.</p>"}}]}}}