Already have an ING mortgage? Here's why it's often more advantageous to finance your renovations with a new mortgage:
Discover the article “How to finance home insulation work in Belgium” to learn more about the benefits of energy renovations.
"}},{"componentType":"accordion"},{"componentType":"sectionTitle","title":"How can I benefit from the interest rate reduction associated with a better EPC¹?"},{"componentType":"paragraph","richBody":{"value":"It's very simple:
If the renovations you do have improved your EPC in the 5 years following your mortgage loan, you can benefit from up to 0.20% reduction on your interest rate.
Uploading your EPC is very simple:
It won't be the same rate as when you bought your property. Make an appointment with one of our experts. They will guide you through your project.
"}},{"title":"How can I benefit from the interest rate reduction associated with a better EPC?","richBody":{"value":"Have you improved the energy performance of your home? Submit an EPC certificate attesting the new value. You'll benefit from an additional rate reduction over the remaining term of your loan. This reduction can be requested within the first five years of the loan.
Good to know:
Not applicable for mortgage concerning a house or appartement elsewhere than Belgium.
Please note, however:
Example:
"}},{"title":"Can I request to pause the capital repayment of my mortgage?","richBody":{"value":"
You have made smart choices - now we’re here to support them. If you’ve already purchased your home with ING and are planning energy-efficient renovations, you may qualify for a temporary pause on your capital repayments. For making energy efficient renovation - we help give your budget a breather while you invest in a better home.
This could be a good option if:
Note: During the break, you’ll continue paying interest, but the repayment of the capital will be suspended, giving you some breathing room in your budget.
"}},{"title":"Can I modify the duration of my previous mortgage?","richBody":{"value":"You can request to extend or shorten the term of your mortgage, depending on your personal situation. A longer term may reduce your monthly payments, while a shorter term may help you pay off your mortgage faster. ING will assess your request to ensure the new conditions fit your needs.
Keep in mind: Your interest rate may change if the conditions of your mortgage are modified. Make an appointment with your advisor to explore the best option for you.
"}}]},{"componentType":"sectionTitle","title":"Services and advice"},{"componentType":"cards","cards":[{"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"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"View all your loans in one place?","intro":"Consult your lending overview via Home'Bank.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","extension":"png"},"link":{"url":"https://ebanking.ing.be/banking/overview"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Other relevant products for you"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Personal loan","intro":"Installment loan for purchases like holidays, events, or unexpected expenses.","image":{"transformBaseUrl":"https://assets.ing.com/transform/e708abd7-9868-4dcc-9d3b-36584366bbb8/Large_MS_PPT_Web-Celebration-814x360","type":"image","width":814,"original":"https://assets.ing.com/m/159f4fb75a210b0f/original/Large_MS_PPT_Web-Celebration-814x360.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/personal-loan"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Renovation loan","intro":"Installment loan to finance your house or apartment renovations.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3955c2fa-36ae-4799-a7a2-00c51325793f/diy_renovation","type":"image","width":814,"original":"https://assets.ing.com/m/2299e5f3d09767a6/original/diy_renovation.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/renovation-loan"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Electric car loan","intro":"Installment loan to help finance your electric car.","image":{"transformBaseUrl":"https://assets.ing.com/transform/d19df259-7968-43ee-a660-e84f5150c526/Small-black-electric-car-charged-on-the-street","type":"image","width":4842,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/5383f9e13606c0dd/original/Small-black-electric-car-charged-on-the-street.JPG","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/electric-vehicle-loan"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal mentions"},{"componentType":"paragraph","richBody":{"value":"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.
*Offer exclusively intended for adult natural persons and subject to the acceptance of your file by ING Belgium. The general conditions and credit fees are available in all ING branches or on www.ing.be (section “Tariffs and regulations”).
To be eligible for the cashback, the mortgage loan offer for renovation works aimed at saving energy, or for the purchase of a property with an energy score <150 kWh, must be signed between 1 March 2026 and 12 April 2026 at midnight, subject to acceptance of your file by ING Belgium. The €350 cashback will be automatically paid into your current account used to pay the monthly instalments of your mortgage loan, within 3 months after signing the offer letter, and provided there are no payment arrears. The cashback is not considered when calculating the APR. This offer cannot be combined with other offers for the same service and is limited to one reduction per contract (regardless of the number of co‑borrowers). The offer is reserved for the recipients of this communication.
You will receive a personalised mortgage loan proposal when you submit your request, based on a set of factors including, but not limited to, preliminary checks and your risk profile. The request and any approval of your request by ING Belgium (after review of your file by ING Belgium) do not bind either ING Belgium or yourself as long as you have not signed a credit agreement. The accuracy and completeness of the information provided in the request are verified beforehand (including on the basis of documents submitted or to be submitted).
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
ING Outstanding Balance Insurance for mortgage loans is an insurance product provided, upon mutual agreement, by ING Belgium SA/nv (insurance intermediary), insurance broker registered with the FSMA under the number 12381A and NN Insurance Belgium nv (insurer), an insurance company, licensed by NBB under the code number 2550.
For all conditions and exceptions, please read the:
All other important details: