{"type":"document","data":{"id":"f1df4a58-4ab2-4bc5-a873-c6eb7dc1ddfd","localeString":"en-GB","publishDate":"2026-05-07T11:42:04.987+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Investing in property. Already own a home and now you’re ready to use real estate as a way to grow your wealth"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"You already own a home and now you’re ready to use real estate as a way to grow your wealth. Maybe you’re buying a second residence, keeping your current home to rent it out or adding another rental property to your portfolio. Whatever your plan, we help you structure your financing smartly, so your investments support your long term goals.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/91582d75-3a0a-4642-8332-da0715f91953/Large_Web-and-Screen-Casual-business-man-runs-up-escalator","type":"image","width":1920,"original":"https://assets.ing.com/asset/91582d75-3a0a-4642-8332-da0715f91953/Large_Web-and-Screen-Casual-business-man-runs-up-escalator.jpg","extension":"jpg"},"title":"Investing in property: make your next move count"},"backLink":{"textLink":{"url":"/en/individuals/borrowing/home","text":"Borrowing for your home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Is this you?"},{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>You’re considering buying a second home or rental property in Belgium.</span></span></span></span></span></span></li><li>You’re exploring property as a way to grow your wealth<span><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>.</span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>You’re thinking long term: extra income, a buffer for retirement or something to pass on to your family.</span></span></span></span></span></span></li></ul>"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/94ba97f6-a5af-42d1-a8e9-93de9cbccd9c/doubtfulexpressionnopadding","original":"https://assets.ing.com/asset/94ba97f6-a5af-42d1-a8e9-93de9cbccd9c/doubtfulexpressionnopadding.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"How ING helps property investors"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>We help you make smart use of your existing assets and build long‑term value with confidence.</span></span></span></span></span></p><ul><li><span><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\"><span>Tailored mortgage solutions for investment property</span></span></strong><br /><span lang=\"EN-US\" dir=\"ltr\"><span>We look at your overall situation – including your existing mortgage and rental income – and help structure financing that supports your goals.</span></span></span></span></span></span></li><li><span><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\"><span>Using your existing resources wisely</span></span></strong><br /><span lang=\"EN-US\" dir=\"ltr\"><span>Together, we look at how your assets or reserves can support your property plans.</span></span></span></span></span></span></li><li><span><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\"><span>Optimize your cash flow</span></span></strong><br /><span lang=\"EN-US\" dir=\"ltr\"><span>We can simulate different financing scenarios, so you understand what works best for your situation.</span></span></span></span></span></span></li></ul><p> </p>"}},{"componentType":"sectionTitle","title":"How it works in three steps"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Discuss your real estate plans","body":"Share your plans with one of our mortgage specialists.","textLink":{"url":"/en/individuals/borrowing/mortgage-loan-appointment","text":"Make your appointment"}},{"title":"Compare scenarios","body":"We calculate different options, various terms and structures based on your situation."},{"title":"Decide and move forward","body":"Once you’ve chosen the solution that fits you best, we guide you through each step of the application."}]}},{"componentType":"sectionTitle","title":"Talk to an advisor"},{"componentType":"highlight","richBody":{"value":"<p><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Ready to grow your property portfolio or simply explore if it’s the right move for you?</span></span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Talk to an ING mortgage specialist for personalized guidance, scenario comparisons and clear answers to your questions. </span></span><a href=\"https://www.ing.be/en/individuals/services/contact-us-appointment?subject=mortgage&amp;flow-step=call-me-back\"><span lang=\"FR-BE\" dir=\"ltr\"><span>Contact me - ING Belgium</span></span></a></span></span></span><span lang=\"en-BE\" dir=\"ltr\"><span><span><span>. </span></span></span></span></p>"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Your energy-efficient renovation toolkit","intro":"Plan, fund and finalize your project","image":{"transformBaseUrl":"https://assets.ing.com/transform/ab8eb441-8e13-484d-a675-710d08159592/EPC-simulator-insulation","type":"image","width":5388,"original":"https://assets.ing.com/m/31deaa6947f0788c/original/EPC-simulator-insulation.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/one-stop-shop-renovation/your-energy-renovation-toolkit"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Discover our partner offer for renovation","intro":"Discounts on heat pumps, home batteries, free solar panels and more!","image":{"transformBaseUrl":"https://assets.ing.com/transform/aada17bb-f1ff-4f3d-a07d-0544141beb83/cars-on-street-against-sky","type":"image","width":4883,"original":"https://assets.ing.com/m/7410d91fea92bc64/original/cars-on-street-against-sky.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/renovation-partner-offer"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Mentions"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-US\" dir=\"ltr\">The ING Mortgage Loan and the ING Bridging Loan 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. General conditions for ING loans are available from any ING branch and on  </span></span></span></span></p><p><span><span><span><span><u><span lang=\"EN-US\" dir=\"ltr\"><a href=\"https://www.ing.be/en/individuals/daily-banking/charges-and-regulations\">charges and regulations </a></span></u></span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\">Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) 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, 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). </span><span lang=\"EN-US\" dir=\"ltr\">​</span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\">ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789</span></span></span></span></p><p><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\">The ING Mortgage Loan,</span></strong><span lang=\"EN-US\" dir=\"ltr\"> 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.</span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\">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).</span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\">General conditions for ING loans are available from any ING branch and on <strong>ing.be</strong>.</span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\">ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789</span></span></span></span></p><p><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\">ING Outstanding Balance Insurance for mortgage loans</span></strong><span lang=\"EN-US\" dir=\"ltr\"> is an insurance product provided, upon mutual agreement, by <strong>ING Belgium SA/nv</strong> (insurance intermediary), insurance broker registered with the FSMA under the number 12381A and <strong>NN Insurance Belgium nv</strong> (insurer), an insurance company, licensed by NBB under the code number 2550.</span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\">For all <strong>conditions and exceptions</strong>, please read the:</span></span></span></span></p><p><span><span><span><span><u><span lang=\"EN-US\" dir=\"ltr\"><a href=\"https://assets.ing.com/m/f02c2bc9297748bc/debt-balance-insurance-en.pdf\">General Conditions (PDF)   </a></span></u></span></span></span></span></p><p><span><span><span><span lang=\"EN-US\" dir=\"ltr\">All other important details:</span></span></span></span></p><ul><li><span><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\">Insurance intermediary:</span></strong><span lang=\"EN-US\" dir=\"ltr\"> ING Belgium SA/NV, an insurance broker, registered with the FSMA under the code number 12381A. Registered office: Avenue Marnix 24, B-1000 Brussels - Brussels RPM/RPR - VAT BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.</span></span></span></span></span></li><li><span><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\">Insurer:</span></strong><span lang=\"EN-US\" dir=\"ltr\"> NN Insurance Belgium SA/NV, insurance company licensed by the NBB under the number 2550 for the Branches 1a, 2, 21, 22, 23, 25 , 26. Registered office: Avenue Fonsny 38, B-1060 Brussels – RLP Brussels – VAT BE 0890.270.057. BIC BBRUBEBB – IBAN BE28 3100 7627 4220.</span></span></span></span></span></li></ul>"}}]}}}