{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Useful tips for every stage"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/4c0a9d75-0289-4557-b1fd-3be008da8ce5/Large_MS-PPT_Web-Back-view-of-a-woman-standing-on-the-Metropol-Parasol-overhead-walkway-in-Seville-Spain-1.jpg","publishedAt":"2023-11-22T06:48:59Z","transformBaseUrl":"https://assets.ing.com/transform/4c0a9d75-0289-4557-b1fd-3be008da8ce5/Large_MS-PPT_Web-Back-view-of-a-woman-standing-on-the-Metropol-Parasol-overhead-walkway-in-Seville-Spain-1","type":"image","updatedAt":"2023-12-21T15:05:11Z","width":1920},"intro":"Support for when life takes an unexpected turn.","link":{"url":"/en/individuals/my-life/tough-times/divorce-seperation-loans"},"title":"Divorce or separation: what happens to your mortgage loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/4606010c-451a-44c9-a499-0c287968e68e/side-view-of-young-woman-using-laptop-at-table.jpg","publishedAt":"2022-04-10T00:00:00Z","transformBaseUrl":"https://assets.ing.com/transform/4606010c-451a-44c9-a499-0c287968e68e/side-view-of-young-woman-using-laptop-at-table","type":"image","updatedAt":"2026-04-20T06:54:39Z","width":5700},"intro":"Upload an EPC, request a document, change repayment accounts and more.","link":{"url":"/en/individuals/my-life/housing/manage-mortgage"},"title":"Manage your mortgage loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/aada17bb-f1ff-4f3d-a07d-0544141beb83/cars-on-street-against-sky.jpg","publishedAt":"2022-08-02T08:29:03Z","transformBaseUrl":"https://assets.ing.com/transform/aada17bb-f1ff-4f3d-a07d-0544141beb83/cars-on-street-against-sky","type":"image","updatedAt":"2025-02-07T08:43:58Z","width":4883},"intro":"Find renovation partners and discover the discounts.","link":{"url":"/en/individuals/borrowing/home/renovation-partner-offer"},"title":"Free installation of solar panels or renovation discounts? Smart."}],"componentType":"cards"}]},"contentType":"onecms:subCategoryPage","flexPageMetadata":{"afmBanner":false,"description":"Buying, renovating or expanding your property portfolio? At ING we can support you in every situation, from a to z.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is your situation?"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/2133c9e7-54a5-458f-a712-aeb38678d52e/kiss.jpg","publishedAt":"2023-03-17T16:47:58Z","transformBaseUrl":"https://assets.ing.com/transform/2133c9e7-54a5-458f-a712-aeb38678d52e/kiss","type":"image","updatedAt":"2023-12-21T14:46:37Z","width":814},"intro":"Get all  the support you need to go from dreaming to owning!","link":{"url":"/en/individuals/borrowing/home/one-stop-shop-first-time-buyer"},"title":"First home"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/aab20c74-cb64-4191-b66d-6feb6d121634/expats-belgium-checklist-1920.jpg","publishedAt":"2022-08-23T12:10:43Z","transformBaseUrl":"https://assets.ing.com/transform/aab20c74-cb64-4191-b66d-6feb6d121634/expats-belgium-checklist-1920","type":"image","updatedAt":"2023-12-21T15:46:19Z","width":1920},"intro":"We’ll guide you through the process with dedicated advice.","link":{"url":"/en/individuals/borrowing/home/mortgage-expat"},"title":"Buying as an expat"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/9d6ab269-db8e-40a3-9eae-79feb37ca49b/Woman-sunbath-generic.jpg","publishedAt":"2015-09-14T16:01:16Z","transformBaseUrl":"https://assets.ing.com/transform/9d6ab269-db8e-40a3-9eae-79feb37ca49b/Woman-sunbath-generic","type":"image","updatedAt":"2026-05-05T08:25:35Z","width":7200},"intro":"Discover your possibilities, you could be surprised.","link":{"url":"/en/individuals/borrowing/home/buying-your-next-property---solutions-to-match-your-goals"},"title":"Second property"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/b5ae6079-4516-4674-a288-95a3088b091d/Instagram-image-A-happy-couple-takes-a-break-from-their-house-renovation-project-by-lying-on-the-floor.jpg","publishedAt":"2024-05-13T09:30:29Z","transformBaseUrl":"https://assets.ing.com/transform/b5ae6079-4516-4674-a288-95a3088b091d/Instagram-image-A-happy-couple-takes-a-break-from-their-house-renovation-project-by-lying-on-the-floor","type":"image","updatedAt":"2024-05-13T09:32:37Z","width":1080},"intro":"Discover our tools, financial advice and partner discounts.","link":{"url":"/en/individuals/borrowing/home/your-energy-renovation-toolkit"},"title":"Renovation plans"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/37987f80-a3ec-46a8-858d-6846c290516a/Phishing-en-vakantiegeld.jpg","publishedAt":"2018-10-18T09:01:35Z","transformBaseUrl":"https://assets.ing.com/transform/37987f80-a3ec-46a8-858d-6846c290516a/Phishing-en-vakantiegeld","type":"image","updatedAt":"2026-05-12T09:14:10Z","width":6583},"intro":"Financial possibilities, bridge loans, switching mortgages, ... We're there from the start!","link":{"url":"/en/individuals/borrowing/home/buying-your-next-home"},"title":"Switch homes"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Tools to explore your options"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/7a763db3-4343-4121-9c33-fee66872b4c8/Close-up-of-female-accountant-or-banker-making-calculations.jpg","publishedAt":"2015-08-14T12:25:38Z","transformBaseUrl":"https://assets.ing.com/transform/7a763db3-4343-4121-9c33-fee66872b4c8/Close-up-of-female-accountant-or-banker-making-calculations","type":"image","updatedAt":"2023-12-21T15:25:32Z","width":2508},"intro":"Check how much you can borrow and get a personalized rate.","link":{"url":"/en/individuals/borrowing/mortgage-loan-simulation"},"title":"Simulate your budget & mortgage"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/6bccd8df-1665-446f-857e-eca156732dec/Tempo-savings-header.jpg","publishedAt":"2023-09-07T09:48:30Z","transformBaseUrl":"https://assets.ing.com/transform/6bccd8df-1665-446f-857e-eca156732dec/Tempo-savings-header","type":"image","updatedAt":"2023-12-21T15:19:13Z","width":600},"intro":"Calculate how much you need to foresee yourself to finance the purchase of your home.","link":{"url":"/en/individuals/saving/turn-saving-into-owning"},"title":"How much own funds do you need?"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/1e8815de-9c69-4826-9c5f-e723a370bf06/730465_header.jpg","publishedAt":"2024-01-26T12:26:20Z","transformBaseUrl":"https://assets.ing.com/transform/1e8815de-9c69-4826-9c5f-e723a370bf06/730465_header","type":"image","updatedAt":"2024-01-26T12:26:37Z","width":600},"intro":"See in a few clicks how you can improve the energy score of your home and start saving on your energy bill.","link":{"url":"/en/individuals/borrowing/calculate-improve-epc"},"title":"Calculate your energy score improvement"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/b4dc4dfb-a8e4-4c00-a688-d6c76eeafcc9/Fresh-groceries-in-reusable-eco-bags-and-vegetables-in-plastic-polyethylene-bag-on-wooden-table-Ban-single-use-plastic-Choose-plastic-free-items-Reuse-reduce-Zero-Waste-shopping-concept.jpg","publishedAt":"2019-04-09T15:17:18Z","transformBaseUrl":"https://assets.ing.com/transform/b4dc4dfb-a8e4-4c00-a688-d6c76eeafcc9/Fresh-groceries-in-reusable-eco-bags-and-vegetables-in-plastic-polyethylene-bag-on-wooden-table-Ban-single-use-plastic-Choose-plastic-free-items-Reuse-reduce-Zero-Waste-shopping-concept","type":"image","updatedAt":"2023-12-21T15:50:37Z","width":799},"intro":"Want to renovate? Answer a few questions, and immediately find the right loan for your project.","link":{"url":"/en/individuals/borrowing/mortgage-or-renovation-loans-wizard"},"title":"Mortgage or renovation loan"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Mortgages made clear"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/3d713d5b-1c32-4d32-a3bf-04e7af868686/rate-and-foreign-exchange-management-1920.jpg","publishedAt":"2022-08-10T12:51:05Z","transformBaseUrl":"https://assets.ing.com/transform/3d713d5b-1c32-4d32-a3bf-04e7af868686/rate-and-foreign-exchange-management-1920","type":"image","updatedAt":"2023-12-21T14:58:41Z","width":1920},"intro":"Easily explained via a simple example.","link":{"url":"/en/individuals/my-life/housing/home-loan-types"},"title":"Types of mortgages explained simply"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/f6b0987e-6bcb-458e-a2dd-a7a95efad21d/rental-guarantee-account-1920.jpg","publishedAt":"2022-12-02T13:48:44Z","transformBaseUrl":"https://assets.ing.com/transform/f6b0987e-6bcb-458e-a2dd-a7a95efad21d/rental-guarantee-account-1920","type":"image","updatedAt":"2023-12-21T16:19:29Z","width":1920},"intro":"A mortgage? A mortgage mandate? Why is my bank asking me to provide a guarantee?","link":{"url":"/en/individuals/my-life/housing/mortgage-guarantee"},"title":"Mortgages from A to Z"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/882b57ed-dff6-4305-b997-b74f033fa6d2/MIDSECTION-OF-MAN-SITTING-ON-BENCH-AT-PARK.jpg","publishedAt":"2026-03-17T10:43:09Z","transformBaseUrl":"https://assets.ing.com/transform/882b57ed-dff6-4305-b997-b74f033fa6d2/MIDSECTION-OF-MAN-SITTING-ON-BENCH-AT-PARK","type":"image","updatedAt":"2026-03-17T10:43:22Z","width":4096},"intro":"Discover the formulas and their potential.","link":{"url":"/en/individuals/borrowing/home/the-advantages-of-a-variable-interest-rate"},"title":"The advantages of a variable interest rate"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/24011e71-b695-42f0-9bab-29bb22648ae4/Processed-with-VSCO-with-c7-preset.jpg","publishedAt":"2017-08-28T16:46:28Z","transformBaseUrl":"https://assets.ing.com/transform/24011e71-b695-42f0-9bab-29bb22648ae4/Processed-with-VSCO-with-c7-preset","type":"image","updatedAt":"2026-03-10T09:20:31Z","width":4440},"intro":"Already have a mortgage and want to borrow an additional amount (e.g., for renovation work)? Then this might be a good option for you!","link":{"url":"/en/individuals/borrowing/home/re-borrowing-from-your-mortgage-how-does-it-work"},"title":"Re-borrowing from your mortgage?"}],"componentType":"cards"}]},"hasMacro":false,"id":"c1ca707e-d9ad-4d7b-9af4-f526ed8b4c51","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"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>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>General conditions for ING loans are available from any ING branch and on ing.be. </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>"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"My Life","url":"/en/individuals/my-life"}},"componentType":"categoryHeader","coreHeader":{"subtitle":"Your home journey starts here. All you need to buy, renovate, expand - in one place.","title":"Your home guide"}},"publishDate":"2026-09-02T10:58:38.450+02:00"}}