Consider the kind of property you want and where you want to live, etc. Go through every element carefully, and take all the time you need to make a decision. We have already summed up all the pros and cons of building, buying (and possibly renovating) for you in a handy comparative table.
"},"textLinks":[{"text":"Help me choose","url":"/en/individuals/my-life/housing/building-or-buying"}],"title":"1. What to do: build or buy?"},{"componentType":"paragraph","richBody":{"value":"If you are planning on buying something, you first need to know how much you can spend. That is why it is a good idea to get an overview of all your financial resources. When doing so, also bear in mind all the costs you will have to pay as a home owner, and also any subsidies you might receive. We also recommend that you draw up a long-term budget.
"},"textLinks":[{"text":"Calculate what I can borrow","url":"/en/individuals/borrowing/mortgage-loan-simulation"}],"title":"2. How much will my home cost?"},{"componentType":"paragraph","richBody":{"value":"Once you have found the project of your dreams, you can start looking for a loan. We explain at this point all the different kinds of loans and interest rates. So you can calculate online how much an ING mortgage loan will cost and read about how the loan process works.
"},"textLinks":[{"text":"Find my loan","url":"/en/individuals/my-life/housing/home-loan-types"}],"title":"3. Found a property or a building plot? Now for the loan."},{"componentType":"paragraph","richBody":{"value":"Have you found a property and selected a loan? Great! Now it is time for the sales agreement, your loan application, the notary, etc. ING helps you through it all.
"},"textLinks":[{"text":"My loan in five steps","url":"/en/individuals/my-life/housing/home-loan-types"}],"title":"4. Nearly a home owner, but first the paperwork"},{"componentType":"paragraph","richBody":{"value":"It's time! You are moving into your dream home! We have some handy tips and checklists to help make sure this step goes without a hitch, too. So you can make the most of your new house or apartment.
"},"textLinks":[{"text":"What not to forget","url":"/en/individuals/my-life/housing/checklist-moving"}],"title":"5. The big day: moving house!"}]},"hasMacro":false,"id":"bbac692e-b9fd-4d23-9914-d2b36f0b98e8","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Caution, borrowing money also costs money."},{"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. General conditions for ING loans are available from any ING branch and on www.ing.be.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Housing","url":"/en/individuals/my-life/housing"}},"componentType":"editorialHeader","coreHeader":{"body":"We help you build your dream home, supporting you with advice, checklists and handy comparison tables to help you get started. And when the time comes, you can of course turn to ING not only for the right loan but also for insurance as well. Because your home deserves the best protection, too. Happy house hunting!","subtitle":"ING guides you every step of the way!","title":"Buy, build or renovate: a step-by-step plan"},"date":"2026-05-21","readingTime":4},"publishDate":"2026-05-21T10:21:35.851+02:00"}}