1. Your ideal renovation Saturday sounds like…
A. Comparing energy labels on new appliances, maybe replacing one.
B. Getting up your roof and installing your solar panels.
C. Simulating the energy score of your home and planning a multi-phase energy upgrade.
"}},{"componentType":"paragraph","richBody":{"value":"2. You learn your home loses a lot of heat through the roof. You…
A. Start with small insulation upgrades in the attic and monitor results.
B. Decide to insulate the roof, walls, and floors all in one go.
C. Prioritise roof insulation now, check your budget to see which other renovation works you can fit in and you make a steady timeline towards energy label A, B or C.
"}},{"componentType":"paragraph","richBody":{"value":"3. When it comes to financing renovations…
A. You prefer spreading the cost over a longer time.
B. You want to set up one budget to cover everything — no delays.
C. You want flexibility: some work now, some later, depending on the plan and available resources.
"}},{"componentType":"paragraph","richBody":{"value":"4. What’s your biggest renovation motivation?
A. Lowering monthly energy bills gradually.
B. A high-performing, sustainable home — as soon as possible.
C. Increasing comfort, cutting energy use, and boosting home value over time.
"}},{"componentType":"sectionTitle","title":"Your Results"},{"alignedImage":{"position":"left","extension":"svg","original":"https://assets.ing.com/m/1976f40efae782b8/original/Toolkit_Spot.svg","transformBaseUrl":"https://assets.ing.com/transform/e087ac6e-6077-4c02-b3d8-c95901abfce9/Toolkit_Spot"},"componentType":"paragraph","richBody":{"value":"Mostly A: The “Slow & Steady” Renovator
You take a thoughtful, phased approach to energy efficiency. From replacing single-glazed windows to sealing drafty doors, you prefer to make upgrades one at a time — and that’s perfectly OK. Our flexible financing options, including renovation loans for smaller projects, let you spread out the cost while seeing the potential savings.
We recommend:
Mostly B: The “All-In-One-Go” Renovator
You’re decisive, ambitious, and want to see results fast. If you're planning to transform your home in one go — from energy upgrades to layout changes — bundling your renovation into a single mortgage or renovation loan may be the way to go. One application, one clear budget, and one big transformation.
We recommend:
Mostly C: The “Smart Planner”
You’re the perfect mix: practical and proactive. You like having a plan, but you know when to act. Whether you space out your renovation phases or combine a few into one project, we can help you choose the right financial tools to keep everything running smoothly and affordably.
We recommend:
Whatever your renovation type, ING is here to help. From tailored advice to digital tools that make the process easy, we’ll guide you through every step — whether you’re going slow, going bold, or going balanced.
"}},{"componentType":"sectionTitle","title":"After your renovation"},{"componentType":"paragraph","richBody":{"value":"When your renovation’s over, there’s still more to save.
The full disclaimer is this one :
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.
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
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing for your home","url":"/en/individuals/borrowing/home"}},"componentType":"editorialHeader","coreHeader":{"body":"Thinking about renovating your home? Whether you're dreaming of solar panels, better insulation or a heat pump, energy-saving renovations are one of the smartest ways to invest in your home’s future. But how you approach a renovation is just as important as what you renovate.\r\n\r\nSome homeowners go all in — replacing the roof, windows, and heating system in one bold move. Others prefer a slower pace, making upgrades step by step as time and budget allow. And many fall somewhere in between.\r\n\r\nSo before you apply for a loan or start getting quotes, ask yourself: what kind of renovation type are you?","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/7a7976081afbb196/original/A-man-sits-at-an-outside-restaurant-table-looking-up-with-a-contemplative-expression-while-a-female-arm-comes-from-behind-and-strokes-his-beard.jpg","transformBaseUrl":"https://assets.ing.com/transform/27b12395-0931-46da-9d2c-6e2b7a98e03d/A-man-sits-at-an-outside-restaurant-table-looking-up-with-a-contemplative-expression-while-a-female-arm-comes-from-behind-and-strokes-his-beard","type":"image","width":5616},"subtitle":"Discover your style before you pick up a hammer.","title":"Which renovation type are you?"},"date":"2026-05-19","readingTime":5},"publishDate":"2026-05-19T13:26:25.364+02:00"}}