🏠 Improve your EPC: include the cost of the work directly in your mortgage. What's more, they'll improve your home's energy performance? Brilliant! You could then benefit from a reduction in your interest rate*.
🛡️Insure your property: take out home insurance and/or outstanding balance insurance¹ with ING.
🏦 Make ING your main bank: take out home insurance, outstanding balance insurance and deposit your wages in your ING account to qualify for a reduced rate.
"}},{"componentType":"sectionTitle","title":"Calculate your mortgage loan"},{"componentType":"paragraph","richBody":{"value":"Enter your income, the monthly amount you want to repay, or your own funds to see how much you can borrow. Note that the interest rate shown is indicative. For a personalized rate, please schedule an appointment or log in.
"}},{"componentType":"feature","featureName":"mortgage-quick-calculator"},{"componentType":"paragraph","textLinks":[{"text":"Log in and get your personalized rate","url":"https://ebanking.ing.be/banking/mortgages/homehub?EW=true"}]},{"componentType":"sectionTitle","title":"Customer testimonials"},{"componentType":"testimonial","testimonialList":[{"authorInfo":{"authorName":"Pierre & Estelle","image":{"extension":"png","original":"https://assets.ing.com/m/93060f583a8f5ab/original/Pierre-Estelle.png","transformBaseUrl":"https://assets.ing.com/transform/55e3c5a6-4e4a-4054-af75-50963e4e1c2a/Pierre-Estelle","type":"image","width":113}},"testimonialText":{"body":"We chose ING for the attractive interest rate of course, but also because they really listened to us and gave us valuable advice."}},{"authorInfo":{"authorName":"Pierre-Yves & Anaïs","image":{"extension":"png","original":"https://assets.ing.com/m/dd1e15d10c65e1d/original/Pierre-Yves-Anais.png","transformBaseUrl":"https://assets.ing.com/transform/7547cc37-c9c6-4284-9658-258cf32201a5/Pierre-Yves-Anais","type":"image","width":113}},"testimonialText":{"body":"As a young couple, we see ING as a young and dynamic bank. We were really grateful for their detailed explanation of all the documents, their easily accessible branches and their friendly staff."}}]},{"componentType":"highlight","richBody":{"value":"👩💻 Contact one of our experts and get advice or receive answers to your questions.
🛠️ Do you already have an ING mortgage and want to renovate? Find out how to optimize your renovation budget!
"},"title":"Do you need help?"},{"componentType":"sectionTitle","title":"Did you know that you can benefit from a rate reduction linked to a better EPC*?"},{"alignedImage":{"position":"left","extension":"svg","original":"https://assets.ing.com/m/43c0eff77da7c995/original/Man-hugging-world-sustainable-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/a0490400-dbf5-4bb9-b5a4-5e9cff03772e/Man-hugging-world-sustainable-spot"},"componentType":"paragraph","richBody":{"value":"ING encourages you to opt for energy-saving projects:
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:
First you gain insight in your housing project by calculating your project. After this simulation you’ll get the option to make an appointment with an advisor so that you can obtain a personalized offer. Finally, if you agree with this offer, you can sign your loan application online.
"},"title":"How does the mortgage request process work ?"},{"richBody":{"value":"A mortgage loan is a loan you take out to buy, build or renovate a home without having to pay the full amount at once. This makes it feasible for many people to own their own home.
The term usually varies between 10 and 30 years. The longer the term, the lower the monthly repayments, but the more interest you end up paying. The interest rate can be fixed or variable. A fixed interest rate does not change throughout the life of the loan, while a variable rate can fluctuate depending on market conditions. Each month you deposit an amount to the bank to repay your loan. That amount consists of part capital and part interest. In addition to interest, there are other costs such as notary fees, appraisal fees, filing fees, mortgage registration fees and possibly debt balance insurance.
With a mortgage loan, your home is used as collateral, which means the bank has the right to sell your home if you cannot repay the loan.
"},"title":"What is a mortgage loan?"},{"richBody":{"value":"The amount you can borrow is determined by how much you can repay monthly, the cost of your project, your available capital, and how much guarantees you can provide to the bank.
"},"title":"How much can I borrow for a house ?"},{"richBody":{"value":"The loan entails notary fees, valuation costs, registration costs and filing fees. These costs depend on the size of your project.
"},"title":"What costs are associated with a mortgage loan ?"},{"richBody":{"value":"The duration typically ranges from 10 to 30 years. The length of the loan depends on your individual circumstances, including your age, income level, and desired loan amount.
"},"title":"What loan term should I choose ?"},{"richBody":{"value":"This is a very personal choice. If you prefer security, a fixed interest rate is ideal. If you don't mind that your repayment amounts may change, you can opt for a variable interest rate. For the same loan, the variable interest rate will be lower than the fixed interest rate at the start of the contract
Compare the differences between fixed and variable interest rates
"},"title":"Should I choose a fixed or variable interest rate ?"},{"richBody":{"value":"
You’ll find answers to most of your questions in this brochure.
"},"title":"More info about the ING Mortgage loan ?"},{"richBody":{"value":"
Yes, in some cases you can borrow the full purchase price of your property.
"},"title":"Can I borrow the full purchase price ?"},{"richBody":{"value":"Yes, in some cases you can borrow at 30 years. This has certain advantages, such as the ability to finance your sustainable renovation or reduce your monthly repayments, and thus the impact on your budget.
"},"title":"Can I opt for a 30-year term ?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Insurance and other products"},{"accordionList":[{"richBody":{"value":"If you want to borrow more than €25,000 for your renovation, it may be worth financing your project using a mortgage loan. If you already have a mortgage loan from ING, you can, under certain conditions, borrow part of the amount already repaid from your current loan. In this case, you borrow at the current interest rate and not at the interest rate of the original loan. Where possible, the guarantee of your loan will also be reused.
"},"title":"Can I also use a mortgage loan for renovations?"},{"richBody":{"value":"An outstanding balance insurance is a type of life insurance policy that you take out in combination with a mortgage loan. It serves as a guarantee for both your family and the bank, in the event of death during the term of the loan.
"},"title":"What is an outstanding balance insurance ?"},{"richBody":{"value":"The free guaranteed living insurance protects you from financial loss brought on by unexpected unemployment or a lack of ability to work. Learn more about the Walloon insurance against income loss (FR) or the Flemish guaranteed housing insurance
.
"},"title":"What is the Guaranteed Housing Insurance ?"},{"richBody":{"value":"
By law, home insurance is not compulsory, but it is recommended, and often imposed as a prerequisite for obtaining a mortgage. This is because the insured property serves as collateral for the loan you receive. The lender wants to know that your property will always remain in good condition and retain its value if you cannot repay the loan.
Did you buy a house or apartment with the intention of renting it out? In that case, it has been compulsory for both the landlord and the tenant to take out home insurance.
"},"title":"Is it mandatory to take out home insurance for my home ?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Renovation subsidy"},{"accordionList":[{"richBody":{"value":"You might take out home insurance, insurance for unpaid balances, and payroll direct deposit into your ING account in order to be eligible for a lower rate.
"},"title":"How can I get a more attractive interest rate ?"},{"richBody":{"value":"For mortgage loans signed as of 2023, it's possible to benefit from the Flemish Renovation loan if you combine the purchase of your property with a renovation.
Depending on your situation, you can borrow up to 60.000 € and benefit from a discount of the interests of this loan via a subsidy paid by the Flemish Agency for Energy and Climate (VEKA).
All details and conditions can be found on Vlaanderen.be (NL).
"},"title":"What is the Flemish renovation credit with interest subsidy ?"},{"richBody":{"value":"If you have 3 kids or more the SWCS and the Fonds du logement de Wallonie can assist you with your refurbishment or energy-saving projects by providing a 0% APR loan in the form of an installment loan:
More info about the zero-rate loan in Wallonia (FR)
.
"},"title":"What is the zero-rate loan in Wallonia ?"},{"richBody":{"value":"The ECORENO credit provides a financing option for homes in Brussels. It is aimed at current and prospective owners, as well as tenants, and offers a favorable rate of 1.5% to 2.5% for consumer credit (limited to EUR 25,000) and mortgage credit.
Priority is given to work relating to house safety, uninhabitability, and energy efficiency. Owners, for example, are assisted in financing insulation, ventilation, a new heating system, the installation of photovoltaic solar panels, a heat pump, or a solar water heater...
More info on the ECORENO credit credit (FR)
.
"},"title":"What is the ECORENO credit in Brussels ?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and advice"},{"cards":[{"body":"Ask to modify a contract, upload an invoice or request a tax or base certificate online.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-05-19","image":{"extension":"jpg","original":"https://assets.ing.com/m/23b4bea9225ff9c9/original/manage-loan-online-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/d449edd5-3ca4-4a9c-86eb-a19aa31262ec/manage-loan-online-1920","type":"image","width":1920},"link":{"url":"/en/individuals/my-life/housing/manage-mortgage"},"title":"Manage your mortgage loan"}],"componentType":"cards"}]},"hasMacro":false,"id":"8c953f8f-d047-4249-845f-b687886dd393","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Caution, borrowing money also costs money."},{"componentType":"sectionTitle","title":"Legal notes"},{"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 www.ing.be.
This advertising message, relating to a mortgage loan for real estate purposes and for private use, subject to the legislation on mortgage credit, does not constitute a credit offer.
*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: