Most buyers think 'here and now'. We think 'now and later', because as advisors, we look at the full picture. A well-considered mortgage decision should support your goals today and keep options open for the future.
"}},{"componentType":"sectionTitle","title":"Options when it comes to your rate"},{"componentType":"paragraph","richBody":{"value":"There are 3 main options, but combinations are also possible!
"}},{"comparisonCardList":[{"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"https://ebanking.ing.be/banking/plan-an-appointment?flow-step=mortgage-page&EW=true"}},"features":{"featureBody":"","featureList":[{"body":"More customers choose this when rates are generally high","iconType":"optional"},{"body":"A variable rate can maximally double, even if the cap is higher","iconType":"optional"}],"featureTitle":"Good to know:"},"image":{"extension":"png","original":"https://assets.ing.com/asset/9869ecbd-a40d-43af-8dc5-845fa2e04607/Calendar_coins_small.png","publishedAt":"2026-08-27T09:17:39Z","transformBaseUrl":"https://assets.ing.com/transform/9869ecbd-a40d-43af-8dc5-845fa2e04607/Calendar_coins_small","type":"image","updatedAt":"2026-08-27T09:27:58Z","width":510},"secondaryCta":{"textLink":{"text":"Not a customer yet?","url":"https://www.ing.be/en/individuals/services/contact-us-appointment?subject=mortgage"}},"title":"The 'Variable'","usps":[{"body":"Rate reviewed every year or every 5 years","iconType":"check-mark"},{"body":"Increase of the rate is capped","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"https://ebanking.ing.be/banking/plan-an-appointment?flow-step=mortgage-page&EW=true"}},"features":{"featureBody":"","featureList":[{"body":"Interesting if you're not planning to stay forever in the home you're buying or want to lower your monthly instalment","iconType":"optional"},{"body":"Later on you can also refinance this mortgage loan to a fixed rate if you would want to","iconType":"optional"}],"featureTitle":"Good to know:"},"highlight":"Popular option","image":{"extension":"png","original":"https://assets.ing.com/asset/a1bf720d-40a3-447a-93a5-7aa18ca95148/Scale_money_house_small.png","publishedAt":"2026-09-01T11:50:58Z","transformBaseUrl":"https://assets.ing.com/transform/a1bf720d-40a3-447a-93a5-7aa18ca95148/Scale_money_house_small","type":"image","updatedAt":"2026-09-01T11:51:24Z","width":534},"secondaryCta":{"textLink":{"text":"Not a customer yet?","url":"https://www.ing.be/en/individuals/services/contact-us-appointment?subject=mortgage"}},"title":"The 'Combo'","usps":[{"body":"10 years fixed, then reviewed every 5 years","iconType":"check-mark"},{"body":"Mix between part fixed, part variable","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"https://ebanking.ing.be/banking/plan-an-appointment?flow-step=mortgage-page&EW=true"}},"features":{"featureBody":"","featureList":[{"body":"Ideal if you plan to go to the end of the mortgage loan without any changes, with stable monthly instalments","iconType":"optional"},{"body":"Interesting when mortgage rates in the market are generally lower","iconType":"optional"}],"featureTitle":"Good to know:"},"image":{"extension":"png","original":"https://assets.ing.com/asset/3eb9d29a-f8cd-4119-a036-afe1355324e5/Closed-lock-small.png","publishedAt":"2026-09-01T11:52:44Z","transformBaseUrl":"https://assets.ing.com/transform/3eb9d29a-f8cd-4119-a036-afe1355324e5/Closed-lock-small","type":"image","updatedAt":"2026-09-01T11:53:05Z","width":472},"secondaryCta":{"textLink":{"text":"Not a customer yet?","url":"https://www.ing.be/en/individuals/services/contact-us-appointment?subject=mortgage"}},"title":"The 'Traditional'","usps":[{"body":"A fixed rate for the full term","iconType":"check-mark"},{"body":"Often the most expensive of the 3","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"The 'Variable',The 'Combo',The 'Traditional'"},{"componentType":"highlight","richBody":{"value":"Everything is easier when an expert Home Advisor accompanies you during the process, supporting you from start to finish. At ING, every mortgage loan request is examined and supported by an expert, from a to z, providing extra advice and insights where needed.
"},"title":"A personal Home Advisor by your side"},{"componentType":"sectionTitle","title":"Calculator: get a quick estimate"},{"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 personalised rate, please schedule an appointment or log in.
"}},{"componentType":"feature","featureName":"mortgage-quick-calculator"},{"componentType":"paragraph","textLinks":[{"text":"Log in to get your personalised rate","url":"https://ebanking.ing.be/banking/mortgages/homehub?EW=true"}]},{"componentType":"sectionTitle","title":"How can I reduce my interest rate?"},{"alignedImage":{"position":"left","extension":"svg","original":"https://assets.ing.com/asset/13d8f04e-1fb8-404c-9e0c-0822a8bad360/newhousenopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/13d8f04e-1fb8-404c-9e0c-0822a8bad360/newhousenopadding"},"componentType":"paragraph","richBody":{"value":"Check out or vodcast!
"},"video":{"type":"video","originalUrl":"https://assets.ing.com/asset/868939c6-ea96-429c-8215-aac92f70a3de/ca-commence-ici-EP-3-FR.mp4","videoPreviewURLs":["https://assets.ing.com/asset/868939c6-ea96-429c-8215-aac92f70a3de/1080p/ca-commence-ici-EP-3-FR.mp4","https://assets.ing.com/asset/868939c6-ea96-429c-8215-aac92f70a3de/480p/ca-commence-ici-EP-3-FR.mp4","https://assets.ing.com/asset/868939c6-ea96-429c-8215-aac92f70a3de/720p/ca-commence-ici-EP-3-FR.mp4","https://assets.ing.com/asset/868939c6-ea96-429c-8215-aac92f70a3de/mp4/ca-commence-ici-EP-3-FR.mp4"],"thumbnails":{"mini":"https://assets.ing.com/asset/868939c6-ea96-429c-8215-aac92f70a3de/thumbnail/mini-ca-commence-ici-EP-3-FR","webimage":"https://assets.ing.com/asset/868939c6-ea96-429c-8215-aac92f70a3de/thumbnail/webimage-ca-commence-ici-EP-3-FR","thul":"https://assets.ing.com/asset/868939c6-ea96-429c-8215-aac92f70a3de/thumbnail/thul-ca-commence-ici-EP-3-FR"},"extension":["mp4"]}},{"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/asset/a193d134-e485-4027-bff9-09db4f959664/manhuggingworldsustainable.svg","transformBaseUrl":"https://assets.ing.com/transform/a193d134-e485-4027-bff9-09db4f959664/manhuggingworldsustainable"},"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 apartment 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 schedule an appointment with an advisor so that you can obtain a personalised 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 allows 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:
With a mortgage loan, your home serves as collateral, providing security for the loan throughout its term.
"},"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 includes 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 fixed and variable 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 ?"},{"richBody":{"value":"Please put the amount to repay your mortgage loan on the account linked to your mortgage loan. Your account will be automatically debited in 1 or 2 days.
"},"title":"How can I reimburse the monthly payment for my mortgage if there was not enough money on my account?"},{"richBody":{"value":"You can find this in Home’Bank or ING Banking app. Tap on your mortgage loan to view all details, including your outstanding balance.
Yes, you can change it via Home’Bank or the ING Banking app. Go to your loan details, where you’ll see the account number, and easily update it using the “change account number” option.
"},"title":"Can I change the account from which my mortgage loan is debited, and is it free of charge?"},{"richBody":{"value":"No, If you want apply for a mortgage loan for a holiday home, you need to have a property in Belgium.
You can find your documents to sign in Home’Bank or the ING Banking app under your messages or notifications. As soon as a document is ready to be signed, you will receive a notification via the orange bell in the top right corner of your screen.
"},"title":"Where can I find my documents to sign for my mortgage loan in Home’Bank or the ING Banking app?"},{"richBody":{"value":"You can find your repayment plan in Home’Bank or the ING Banking app under your mortgage loan details. You can easily view or download it there.
"},"title":"Where can I find the repayment plan of my mortgage loan?"},{"richBody":{"value":"You can easily change or cancel your appointment online via Home'Bank. Go to the section dedicated to your appointments, select the appointment concerned, and choose Change or Cancel.
If you experience any difficulties, you can also contact your ING branch or ING Customer Service.
"},"title":"How can I change or cancel an appointment scheduled with ING?"},{"richBody":{"value":"If you receive a message indicating that signing your documents is temporarily unavailable, please try again at a later time. Also make sure that you are using the latest version of the ING Banking app and that your internet connection is stable.
If the issue persists, please contact ING Customer Service. Our advisors can review your file and help you complete the signing process for your documents.
"},"title":"I’m unable to sign my mortgage loan documents in the app. A message tells me to try again later. What can I do?"},{"richBody":{"value":"You can track the status of your mortgage loan application in your ING tracking area via the ING Banking app or Home'Bank. There, you will find an overview of your application's progress and any documents that may still be required to process your file.
If a document is missing or needs to be completed, this will generally be indicated in your file. If you are unsure about the status of your application or the documents that need to be provided, please contact your ING housing expert. They can review your file and inform you of the next steps.
"},"title":"How can I check whether my mortgage loan application has been successfully submitted and whether all required documents have been uploaded?"}],"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 a condition for getting 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 property owner and the tenant to take out home insurance.
"},"title":"Is it mandatory to take out home insurance for my home ?"},{"richBody":{"value":"When your property is sold and your mortgage loan is fully repaid, your outstanding balance insurance (with ING/NN Insurance) is automatically terminated. You do not need to take any action.
"},"title":"What happens to my outstanding balance insurance when I sell my property and repay my mortgage loan?"}],"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 instalment loan:
Find out more 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 €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","publishedAt":"2022-07-28T11:47:34Z","transformBaseUrl":"https://assets.ing.com/transform/d449edd5-3ca4-4a9c-86eb-a19aa31262ec/manage-loan-online-1920","type":"image","updatedAt":"2022-07-28T11:48:21Z","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":"*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 apartment elsewhere than Belgium.
Please note, however:
Example:
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.
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 Financial Services and Markets Authority (FSMA) under the number 12381A and NN Insurance Belgium nv (insurer), an insurance company, licensed by the National Bank of Belgium (NBB) under the code number 2550.
For all conditions and exceptions, please read the:
All other important details: