{"type":"document","data":{"id":"57e082fa-b59f-4c37-bdda-043b977132d7","localeString":"en-GB","publishDate":"2026-05-07T11:39:39.343+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Approaching retirement or a new life phase? Explore how ING supports your next home plans with tailored mortgage solutions and clear financial scenarios."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Maybe the children have left home, you’re approaching retirement or you simply want a home that better matches the way you live today. You may be dreaming of a smaller, low maintenance place, a cozy city apartment or a second home by the sea or in the countryside.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/ba0e42d7-ee89-4f6c-9e69-74d8f97be88d/Business-man-drinks-coffee-outside-of-house","type":"image","width":899,"original":"https://assets.ing.com/asset/ba0e42d7-ee89-4f6c-9e69-74d8f97be88d/Business-man-drinks-coffee-outside-of-house.jpg","extension":"jpg"},"title":"Your next chapter in life, shape the home that fits"},"backLink":{"textLink":{"url":"/en/individuals/borrowing/home","text":"Borrowing for your home"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Is this you?"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"sectionTitle","title":"How ING helps you plan your next chapter"},{"componentType":"paragraph","richBody":{"value":"

We help you turn your ideas into a concrete, realistic plan.

"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/06588d61-45f9-438d-ad2a-686167f7440b/House-with-green_Spot","original":"https://assets.ing.com/asset/06588d61-45f9-438d-ad2a-686167f7440b/House-with-green_Spot.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"How it works in three steps"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Map your life plans","body":"Together we discuss your wishes for the coming years: where you want to live, how you want to spend your time and what you want to keep as a financial buffer.","textLink":{"url":"/en/individuals/borrowing/mortgage-loan-appointment","text":"Make your appointment"}},{"title":"See your options","body":"We simulate different options (sell/buy order, financing types, terms) and show you their impact on your monthly budget and long term comfort."},{"title":"Take your next step","body":"Once you’ve chosen your preferred scenario, we support you through the financing process."}]}},{"componentType":"sectionTitle","title":"Talk to an advisor"},{"componentType":"highlight","richBody":{"value":"

Thinking about your next home, smaller, smarter or simply better suited to you?

Talk to an ING mortgage specialist to explore your options and plan your next chapter. Contact me - ING Belgium

"}}]},"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":"

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  

charges and regulations 

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). ​

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

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

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:

General Conditions (PDF)   

All other important details:

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