{"type":"document","data":{"id":"a0f418aa-c9bf-4a53-a476-f9dbe307e899","localeString":"en-GB","publishDate":"2026-04-13T14:21:51.303+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Renovation? Buying a secone home? The re-borrow from your mortgage may be the solution!"},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"Re-borrowing from your mortgage: how does it work?","subtitle":"You already have a mortgage and you want to borrow an additional amount, for example, for renovation work? For this, you may have already heard of the “re-borrowing” option, which is the reuse of the amounts you have already repaid for your mortgage."},"backLink":{"textLink":{"url":"/en/individuals/borrowing/home","text":"Borrowing for your home"}},"date":"2026-04-13","readingTime":6},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p></p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/46e53e12c9c20893/original/TMPF-FR.mp4","videoPreviewURLs":["https://assets.ing.com/asset/d66d245e-7ebe-4c98-a34d-40eb259d8240/480p/TMPF-FR.mp4","https://assets.ing.com/asset/d66d245e-7ebe-4c98-a34d-40eb259d8240/1080p/TMPF-FR.mp4","https://assets.ing.com/asset/d66d245e-7ebe-4c98-a34d-40eb259d8240/720p/TMPF-FR.mp4","https://assets.ing.com/asset/d66d245e-7ebe-4c98-a34d-40eb259d8240/mp4/TMPF-FR.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/46e53e12c9c20893/mini-TMPF-FR.jpg","webimage":"https://assets.ing.com/m/46e53e12c9c20893/webimage-TMPF-FR.jpg","thul":"https://assets.ing.com/m/46e53e12c9c20893/thul-TMPF-FR.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"No need to go to the notary"},{"componentType":"paragraph","richBody":{"value":"<p><strong>If you have already repaid part of your mortgage inscription, you can possibly take out another mortgage with the same mortgage guarantee</strong>. In fact, your mortgage guarantee, by which the bank takes a real estate property as collateral for the loan, is registered for 30 years. </p><p> </p><p><strong>In practice, as long as the guarantee remains registered with the notary, you can reuse it for an additional mortgage with the same creditor</strong>. This can be done during the term of your mortgage, but also afterwards, as long as the mortgage guarantee is still valid with the notary and agreed with your creditor. </p><p> </p><p>You therefore no longer need to go to the notary, <strong>thus avoid extra fees</strong>. </p>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/b58ce147-29cb-4cd0-947c-dab8d45bec42/730872-llustrations-insight-2_288x288px-self-employed","original":"https://assets.ing.com/m/31060f71a60ae88b/original/730872-llustrations-insight-2_288x288px-self-employed.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Is it the same loan?"},{"componentType":"paragraph","richBody":{"value":"<p>A common misconception is that the amount of your current loan is “simply increased.” This is not the case. The <strong>bank opens a new mortgage, the payments of which are added to your current repayments.</strong></p><p>This means that there is:</p><ul><li><strong>separate term</strong>: which does not necessarily follow the term of your initial loan but can be shorter or longer.</li><li><strong>a new interest rate</strong>: which is not the same as that of your current loan. It is a new loan the interest rate of which is in line with the current market situation. </li></ul><p>The maximum amount mainly depends on: </p><ul><li><strong>on the amounts made available by the framework agreement secured by your mortgage inscription.</strong> The minimum amount is always 5,000 euros, and file fees are also applied. </li></ul><p><strong>Tip: in your ING app, you can check the maximum amount that your mortgage guarantee currently allows.</strong></p><p>The financial capacity you have to take out an additional mortgage. New mortgage means that the bank makes a new credit decision. To do this, it will examine what your income and expenses allow, also taking into account your current monthly payment. In practice, the bank will examine your financial capacity to repay an additional monthly payment. </p><p> </p>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/9899cf49-fbfb-46de-ae1b-38fcf01cb73a/sendmoneynopadding","original":"https://assets.ing.com/m/76056fa4ba58c577/original/sendmoneynopadding.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Why is it an attractive option?"},{"componentType":"paragraph","richBody":{"value":"<p> </p><ul><li>Renovation: <strong>are you planning renovation work</strong>? In this case, it is worth considering re-borrowing, even if your mortgage has already expired.</li></ul><p>Tip: are you borrowing for renovation work that improves the energy score of your home? <a href=\"https://www.ing.be/en/individuals/borrowing/mortgage-loan\">You could then benefit from an additional reduction on your interest rate after the work!</a> </p><ul><li><p>Buying a second home or vacation home:  even in this situation, you can, in some cases, use the mortgage guarantee on your current home. </p></li></ul>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/ac46d685-83d2-405f-aa45-fad0ac97a359/peopledancingpartycelebration1","original":"https://assets.ing.com/m/5369a65b57c2f071/original/peopledancingpartycelebration1.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Need some advice on your personal situation?"},{"componentType":"paragraph","richBody":{"value":"<p> </p><p><a href=\"http://www.ing.be/en/individuals/services/contact-us-appointment?subject=mortgage\">Make an appointment</a> with one of our advisors! </p><p> </p><p> </p><p>* applicable for new mortgages taken out as from October 2024. </p>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/d30ff617-3085-4e44-b4e9-81bee19826a8/Private-Banking-investment-approach","altTextEN":"Private-Banking-Agreement","original":"https://assets.ing.com/m/5b813d3f4201f017/original/Private-Banking-investment-approach.png","extension":"png"}}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal mentions"},{"componentType":"paragraph","richBody":{"value":"<p>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 private individuals over the age of 18 and subject to prior acceptance of your application by ING Belgium and mutual agreement. </p><p> </p><p>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 details </p><p>disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied). </p><p> </p><p>General conditions for ING loans are available from any ING branch and on ing.be. </p><p> </p><p>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 </p>"}}]}}}