As shown in our latest real-estate study nearly 9 in 10 Belgians reported that their homes were uncomfortably warm in 2026. And the impact goes beyond just discomfort: 1 in 2 Belgians even experience health issues during heatwaves.
The good news: your home can adapt.
From insulation and sun protection to ventilation and cooling, the right improvements can help make your home more comfortable all year round. And if renovation is on your mind, ING is there to help you explore your options.
"}},{"componentType":"cta","textLink":{"text":"Discover your renovation options","url":"/en/individuals/borrowing/home/your-energy-renovation-toolkit"}},{"componentType":"sectionTitle","title":"Renovate for summer. And winter. And everything in between"},{"componentType":"paragraph","richBody":{"value":"A renovation doesn't have to be about fixing just one problem.
Improving your home can create more comfort to live the way you want: a cooler bedroom when temperatures rise, less energy loss when they fall, and a home that's better prepared for the future.
Depending on your home, you could consider:
Take the opportunity to look at what your home really needs. Use our renovation simulator to get concrete and practical ideas for making your home not only more energy-efficient, but also more comfortable.
"}},{"componentType":"sectionTitle","title":"Ready to renovate? You don’t have to figure everything out yourself."},{"componentType":"paragraph","richBody":{"value":"Knowing what you want to improve is one thing. Finding the right solutions and providers is another.
That's why ING also connect you with renovation partners offering solutions for different types of home improvements. Whether you're thinking about insulation, windows, heating and cooling or other energy-efficient upgrades, our partner offers can help you take the next step in your renovation journey.
"}},{"componentType":"cta","textLink":{"text":"Discover the renovation partner offer","url":"/en/individuals/borrowing/home/renovation-partner-offer"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"Possible measures range from sun protection and insulation to better ventilation and active or passive cooling. The right combination depends on your home, its characteristics and your needs.
"},"title":"How can I prevent my house from overheating?"},{"richBody":{"value":"ING offers renovation financing through solutions including the Renovation Loan and renovation mortgage. The appropriate option depends on your project and personal financial situation.
Discover your options here.
"},"title":"Can I borrow money for my renovation?"},{"richBody":{"value":"It is possible to request a loan to finance a heat pump or air-conditioning. Every application is subject to assessment and approval by ING. Caution, borrowing money also costs money.
Discover the loan that would best fit your project here
"},"title":"Is it possible to take a loan for a heat pump or air-conditioning?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"6de5c241-e54e-480d-8dc6-61148bd35031","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal information"},{"componentType":"paragraph","richBody":{"value":"1. Isolteam, EnergyVision, Brusol, Luminus, Energyking, KwadrO and A.A.R.S. are independent companies and are not affiliated with, controlled by, or a subsidiary of ING. ING is not responsible for the quality of the renovation service issued by EnergyVision, Brusol, Isolteam, Luminus, Energyking, KwadrO or A.A.R.S. ING cannot be held liable for any direct or indirect damage resulting from the use of this service offered by EnergyVision, Brusol, Luminus, Energyking, KwadrO or A.A.R.S.
2. All payments for services related to the renovation service are handled directly by EnergyVision, Brusol, Luminus, Energyking, KwadrO or A.A.R.S. ING does not process or manage any payments for these services.
3. Protection of your personal data and professional discretion:
The data collected by EnergyVision, Brusol, Luminus, Energyking, KwadrO or A.A.R.S. can be communicated to ING Belgium and are processed, without prejudice to the legal provisions of public order:
1. by SA/NV ING Belgium, avenue Marnix 24, 1000 Brussels, for the purposes of:
a. Supporting ING customers and prospects in their property projects, by giving them a better view of the energy efficiency of their property and identifying priority improvement measures;
b. Granting and managing loans;
c. Checking the regularity of operations and preventing irregularities.
2. By EnergyVision, Brusol, Luminus, Energyking, KwadrO, A.A.R.S., other companies in the group of EnergyVision, Brusol, Luminus, Energyking, KwadrO or A.A.R.S. for the following purposes:
a) To provide the user with information on products and services;
b) Functional management;
c) To produce statistics on the use of the site.
Any individual may view and rectify data concerning him or her. They may also ask for their data to be deleted or for the processing of their personal data to be restricted and may object to the data being processed. They also have the right to port their data.
For any further information, please consult article 5 (Professional discretion) and article 6 (Protection of personal data) of the ING Belgium General Terms and Conditions, article 16 (Protection of privacy) of the ING General Terms and Conditions for mortgages on real estate, as well as the ING Belgium Privacy Statement (available at ING branches and on www.ing.be). Please also refer to the PARTNER privacy agreement. If you have any questions, please contact our Data Protection Officer (ing-be-PrivacyOffice@ing.com or ING Privacy Office, Marnixlaan 24, 1000 Brussels).
By engaging with EnergyVision, Brusol, Luminus, Energyking, KwadrO or A.A.R.S. for the renovation service, you acknowledge and agree to the above terms.
The ING Mortgage Loan, the ING Bridging Loan and the Mortgage loan combined are mortgage loans subject to the law of April 2016 concerning mortgage loans. Offer reserved for natural persons over the age of 18 and subject to prior acceptance of your application by ING Belgium and to mutual agreement.
Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in-branch or via the ‘Mortgage Loans Online’ service at ing.be are not binding for ING Belgium or you until you’ve signed the credit offer at your ING branch or, in the case of an online application, at home and returned it to ING. (subject to prior approval of your file by ING). Before this, we’ll look at whether the data disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied).
General conditions for ING loans are available from any ING branch and on ing.be.
Lender: ING Belgium SA – Bank – Avenue Marnix 24, B – 1000 Brussels – RPR Brussels – VAT BE 0403.200.393 – Account: BE45 3109 1560 2789
Installment loan (renovation, energy loan) for personal use, subject to consumer credit legislation.
Advertising reserved for natural persons aged 18+ and subject to prior acceptance of your loan application by ING Belgium and to mutual agreement. It does not constitute an offer of credit. The general terms and conditions and lending rates are available at all ING branches and on ing.be under charges and regulations
Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in branch or via the Customer Loans Online service at ing.be, in the ING Banking app or in Home’Bank are not binding for ING Belgium or you until you’ve signed the credit agreement at your ING branch or, in the case of an online application, as long as you have not returned the signed credit agreement (subject to prior approval of your file by ING). Before this, we’ll look at whether the data disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied).
Your interest rate depends on your customer profile, the amount borrowed and the term of your loan. The annual percentage rate (APR) is the total price of your loan on an annual basis. This means that interest and any loan charges are taken into account.
Read more about the consumer credit tariffs (pdf)
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