{"type":"document","data":{"id":"ee85f690-355f-48bc-8c0c-5b1374e71fc1","localeString":"en-GB","publishDate":"2026-04-13T14:13:01.141+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Choosing your fixed interest rate period is an important decision. The mortgage interest rate affects your monthly payments."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Whether you are taking out a mortgage with ING for the first time or have been with us for years, choosing your fixed interest rate period is an important decision. Your mortgage interest rate directly affects your monthly payments.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/52df7d11-2c82-4482-afb0-3e3e534750bd/Boy-on-sofa-humorously-places-foot-on-younger-boy-s-head-seated-on-floor","type":"image","width":6000,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4e092b3899000bec/original/Boy-on-sofa-humorously-places-foot-on-younger-boy-s-head-seated-on-floor.jpg","extension":"jpg"},"title":"Fixed interest rate period mortgage","subtitle":"You choose based on a mortgage interest proposal"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Fixed interest rate period at a glance","richBody":{"value":"<p>Your mortgage usually has a term of 30 years. Within that term, you choose your own fixed interest rate periods. These last a minimum of 1 year and a maximum of 20 years. Your interest rate does not change during the chosen period.</p>"},"textLinks":[{"url":"/en/personal/mortgage/current-mortgage-rates/overview","text":"View the current mortgage interest rates"}]},{"componentType":"paragraph","title":"Automatic mortgage interest proposal","richBody":{"value":"<p>You select your new fixed interest rate period and corresponding interest rate from the mortgage interest proposal sent to you. You will receive this proposal 3 months before your current fixed interest rate period ends, both in your <strong>My ING</strong> inbox (online banking) and by letter.</p>"}},{"componentType":"paragraph","title":"What is in the mortgage interest proposal?","richBody":{"value":"<ul><li>The exact date your current fixed interest rate period ends</li><li>A complete overview of all fixed interest rate periods you can choose from</li><li>The mortgage <a href=\"https://www.ing.nl/en/personal/mortgage/current-mortgage-rates\">interest</a> per period</li><li>If you save through your mortgage, <a href=\"https://www.ing.nl/particulier/hypotheek/jouw-hypotheek/spaarhypotheek-nieuwe-rentevaste-periode\">which situation applies to you</a></li><li>Information about repayments without redemption costs during the 3 months before the new fixed interest rate period</li><li>What to do if you want to accept the offer and what happens if you do not make a choice</li></ul>"}},{"componentType":"paragraph","title":"Tip: View your interest proposal in My ING and make your choice easily","richBody":{"value":"<p>To make things easier, you’ll receive your mortgage interest proposal not only by mail but also in My ING. This way, you can view your proposal online anytime and submit your choice for the new fixed interest rate period.</p>"},"textLinks":[{"url":"https://mijn.ing.nl/banking/overview","text":"View your mortgage interest proposal in My ING"}]},{"componentType":"paragraph","title":"Tip when choosing","richBody":{"value":"<p>The longer you fix your new <a href=\"https://www.ing.nl/en/personal/mortgage/current-mortgage-rates\">mortgage interest rate</a>, the longer you have certainty about your monthly payments. However, this usually comes with a higher interest rate.</p>"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/mortgage/your-mortgage/loyaltybonus","text":"Loyalty bonus"}]}]}}}