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":{"stepList":[{"body":"We'll call you at your convenience","title":"Schedule your 15 minute conversation"},{"body":"So you get clarity about your situation and options.","title":"We assess your situation"},{"body":"If advice is needed, we schedule a follow up with an (independent) adviser.","title":"You know your options"}],"title":"How it works"}},{"componentType":"cta","textLink":{"text":"Review your Mortgage","url":"https://www.ing.nl/particulier/hypotheek/contact/open-ret2?subscrid=cmnl-mort-open-ret"}},{"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":"What does ING Review your Mortgage cost?"},{"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":"Is this financial advice?"},{"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":"Do I need to prepare anything?"},{"richBody":{"value":"Currently, Review your Mortgage is only possible by phone. A meeting with a mortgage advisor can also take place via video call.
"},"title":"Can this also be done by phone or video?"},{"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.
"},"title":"I arranged my mortgage through an intermediary. Can I still do this?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"}},{"componentType":"sectionTitle","title":"Overview of fees"},{"componentType":"paragraph","richBody":{"value":"The Review your Mortgage conversation 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":{"text":"Review your Mortgage","url":"https://www.ing.nl/particulier/hypotheek/contact/open-ret2?subscrid=cmnl-mort-open-ret"}}]},"hasMacro":false,"id":"e23075c1-1f11-40d0-87c6-21e42f02aa41","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":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/433eabb5-3715-44cc-912a-68c2a5c206ae/Large_Web-and-Screen-Woman-and-man-giving-a-high-five.jpg","transformBaseUrl":"https://assets.ing.com/transform/433eabb5-3715-44cc-912a-68c2a5c206ae/Large_Web-and-Screen-Woman-and-man-giving-a-high-five","type":"image","width":1920},"subtitle":"Your ING mortgage moves with you and we are here to help. Find out in 15 minutes whether your mortgage and interest rate still suit you. Together with an expert, free of charge and without obligation.","title":"Don’t miss out and Review your Mortgage"},"cta":{"componentType":"cta","textLink":{"text":"Review your Mortgage","url":"https://www.ing.nl/particulier/hypotheek/contact/open-ret2?subscrid=cmnl-mort-open-ret"}},"usps":[{"body":"Personal: one of our ING experts translates your situation into a clear plan.","icon":{"extension":"png","original":"https://assets.ing.com/asset/4e0c49f9-fc47-43a9-8358-e6e3813ac461/Avatar_large_filled.png","transformBaseUrl":"https://assets.ing.com/transform/4e0c49f9-fc47-43a9-8358-e6e3813ac461/Avatar_large_filled","type":"image","width":512}},{"body":"No missed opportunities: we highlight possibilities to lower your monthly payments.","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a71bcb67-85e4-490d-89f1-0ce3a4c80a3d/Functionalities-Search_Filledin.svg","transformBaseUrl":"https://assets.ing.com/transform/a71bcb67-85e4-490d-89f1-0ce3a4c80a3d/Functionalities-Search_Filledin","type":"image","width":24}},{"body":"Calm and control: you leave with clarity and decide your own next step.","icon":{"extension":"png","original":"https://assets.ing.com/asset/1034d80b-f07a-42f9-b603-804935cfa61c/Beach_large_filled.png","transformBaseUrl":"https://assets.ing.com/transform/1034d80b-f07a-42f9-b603-804935cfa61c/Beach_large_filled","type":"image","width":512}}]},"publishDate":"2026-04-30T09:51:10.310+02:00"}}