You may notice that your life is changing but your mortgage has not yet been adjusted to it. Your home may have increased in value, your income or family situation may be different from a few years ago, or you are unsure whether your monthly payments still fit the way you live now. That feeling of “does this still fit?” is more common than you might think.
In the conversation we will look at your situation together and translate any changes (either with you or in the market) into what this means for your mortgage. In plain language and with no obligation. You will then know where you stand, which options you have and whether a next step makes sense.
The conversation is particularly valuable at moments that affect your living situation: when your fixed‑rate period is about to end, if something changes in your family or living situation, or when you are considering a renovation. At those times, a short conversation helps you gain clarity.
"}},{"componentType":"applicationProcess","steps":{"title":"How it works","stepList":[{"title":"Schedule your 15 minute conversation","body":"We'll call you at your convenience"},{"title":"We assess your situation","body":"So you get clarity about your situation and options."},{"title":"You know your options","body":"If advice is needed, we schedule a follow up with an adviser."}]}},{"componentType":"cta","textLink":{"url":"https://www.ing.nl/particulier/hypotheek/contact/open-ret2?subscrid=cmnl-mort-open-ret","text":"Review your Mortgage"}},{"componentType":"paragraph","richBody":{"value":"
Please note, this is not financial advice. The goal is insight and direction. Product advice will follow if needed. This keeps the conversation short, accessible and free of charge.
"}},{"componentType":"sectionTitle","title":"What can you arrange yourself?"},{"componentType":"paragraph","richBody":{"value":"You can manage many mortgage matters yourself online or through the app, including:
The conversation is free of charge and without obligation.
"}},{"title":"Is this financial advice?","richBody":{"value":"No. You get insight into your situation and options. If advice is needed, we schedule a follow‑up appointment with an adviser.
"}},{"title":"Do I need to prepare anything?","richBody":{"value":"It is helpful to have your latest WOZ statement and, if possible, an indication of your home’s current value. But do not worry if you do not have these; we will help you get started.
"}},{"title":"Can this also be done by phone or video?","richBody":{"value":"Yes. Choose whatever you prefer in the scheduler.
"}},{"title":"I arranged my mortgage through an intermediary. Can I still do this?","richBody":{"value":"Yes. We will look together at what is relevant to your situation and coordinate the smartest next step. If you prefer, you can of course contact your intermediary directly.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"}},{"componentType":"sectionTitle","title":"Overview of fees"},{"componentType":"paragraph","richBody":{"value":"The mortgage check-in itself is completely free of charge. If you want to change anything as a result of the meeting, this may be subject to a fee. Fees and charges are always discussed with you beforehand.
| Costs | Amount |
|---|---|
| Orientation meeting with a mortgage adviser | Free |
| Adjustment of home value during mortgage term | Free |
| Adjustment of interest surcharge during mortgage term | Free |
| Adjustment of Active Current Account Discount (during your Regular Rate Adjustment) | Free |
| Interim interest rate adjustment | € 225 |
| Personal Mortgage Advice report* | View advisory fees |
*Applicable when increasing your current mortgage, switching your mortgage type, or refinancing.
If you prefer an appointment with an independent adviser, that’s possible too. ING works with over 2,700 independent advisers.
"}},{"componentType":"sectionTitle","title":"Ready for clarity?"},{"componentType":"cta","microCopy":"(15 minutes, free and without obligation)","textLink":{"url":"https://www.ing.nl/particulier/hypotheek/contact/open-ret2?subscrid=cmnl-mort-open-ret","text":"Review your Mortgage"}}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","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.
"}}]}}}