A second home requires a solution that fits your situation, goals, and preferences. This could be financing through a mortgage loan, or other financing options such as utilizing your personal holding.
"}},{"componentType":"sectionTitle","title":"Specialist advice"},{"componentType":"paragraph","richBody":{"value":"Our specialized Mortgage Advisors have an in-depth understanding of the market and are fully informed about various financing options. They work closely with Mortgage Priority Services, a team of experts that exclusively handles mortgage applications for Private Banking clients. Naturally, they seek solutions and opportunities that meet all your specific needs. And you'll receive prompt answers to your questions, because that house might be a once in a lifetime opportunity.
"}},{"componentType":"sectionTitle","title":"Looking ahead"},{"componentType":"paragraph","richBody":{"value":"Dreams of a second home often come with additional aspirations. Your relationship Manager is happy to brainstorm with you on these topics. And with the help of our innovative wealth planning solutions, you'll quickly gain insight into the feasibility of your dreams.
"},"textLinks":[{"url":"/en/private-banking/wealth-planning","text":"More about Wealth planning"}]},{"componentType":"accordion","accordionList":[{"title":"Secondary residence or vacation property?","richBody":{"value":"Whether we consider the second home as a secondary residence or a vacation property affects the mortgage options we can offer.
A secondary residence is not used as your primary home, and in the Dutch tax system you do not receive a mortgage interest deduction for this residence. A vacation property is a house or apartment that is not intended as a permanent residence. Often, it is partially or fully rented out during the year.
Is the purchase a secondary residence or a vacation property? Your mortgage advisor is happy to provide more information.
"}},{"title":"Terms and conditions vacation property","richBody":{"value":"Financing a vacation property is possible when the following conditions are met:
The main characteristics of financing are as follows:
Financing a second home is possible when the following conditions are met:
Initial discussions are, of course, free of charge. However, when our mortgage advisor provides personalized mortgage advice, advisory fees apply. When taking out a mortgage, we charge both advisory and processing fees. If you wish to increase an existing mortgage or take out a second mortgage, advisory and processing fees will also apply.
"},"textLinks":[{"url":"/particulier/hypotheek/advieskosten/nieuwe-verhoging-hypotheek","text":"An overview of the costs (Dutch only)"}]}]},{"componentType":"linkList","iconTitle":{"title":"Shortcut to"},"textLinks":[{"url":"/en/private-banking/mortgages","text":"Mortgages"},{"url":"/en/private-banking/mortgages/buying-a-home","text":"Buying a home"},{"url":"/en/private-banking/mortgages/home-for-your-child","text":"Home for your child"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Make an appointment","intro":"Let's start a conversation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3e538078-976f-4b74-b49c-90d7cd895df2/Web-12","type":"image","width":307,"original":"https://assets.ing.com/m/1d41bac33a10b194/original/Web-12.svg","extension":"svg"},"link":{"url":"/en/private-banking/customer-service"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Log in to My ING","intro":"Quick insights into your financial situation","image":{"transformBaseUrl":"https://assets.ing.com/transform/33c4e3a2-7e3d-47a1-9c6f-1993eedcdb8c/Web-13","type":"image","width":307,"original":"https://assets.ing.com/m/5aecfb619a645cd6/original/Web-13.svg","extension":"svg"},"link":{"url":"https://mijn.ing.nl/login"}}]}]}}}