Boosting your home’s comfort and energy performance is a smart move. It could allow you to save on your energy bills while increasing the property value. At ING we’re here to make this journey easy for you. From calculating and requesting an EPC over discounts with our renovation partners.
Walk through our step by step toolkit and plan your renovation
"},"textLinks":[{"text":"Walk through our step by step toolkit and plan your renovation","url":"/en/individuals/borrowing/home/your-energy-renovation-toolkit"}]},{"componentType":"sectionTitle","title":"Renovate with our partners at your side"},{"componentType":"paragraph","richBody":{"value":"Whether you want to install solar panels, a heat pump, new windows or subscribe to a new energy contract? Easily request a no-obligation quote with one of our partners and enjoy from specific benefits as ING client.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"No. The payment date of your mortgage loan instalments is defined in your credit agreement and cannot be changed during the term of the contract.
"},"title":"Can I change the payment date of my mortgage loan?"},{"richBody":{"value":"We invite you to contact ING to discuss the options that may be available for your specific situation.
"},"title":"Can I suspend my mortgage loan repayments for 3 months."},{"richBody":{"value":"The sale of your property does not automatically result in the immediate closure of your mortgage loan. Several administrative steps may still be required, including the processing of information provided by the notary, the full repayment of the loan, or the release of guarantees linked to the mortgage.
If your property was sold several months ago and your mortgage loan still appears as active, we invite you to contact ING so that we can review your file and inform you of any remaining steps that may still be in progress.
"},"title":"My house was sold several weeks ago, but my mortgage loan is still not closed. Is this normal?"},{"richBody":{"value":"If you would like to obtain a copy of the valuation report you submitted as part of your mortgage loan application, please contact our customer service team. Our advisors can review your file and inform you about which information or documents can be made available to you.
You can easily reach us through the chat feature in the ING Banking app, or by phone via our customer service team.
"},"title":"How can I obtain a copy of the valuation report I submitted with my mortgage loan application?"},{"richBody":{"value":"Would you like to add, remove or modify a borrower on your mortgage loan, but you are unable to complete the request online or you receive an error message?
In some cases, this type of modification can be completed directly through the ING Banking app or Home'Bank. However, certain situations require additional review or specific processing.
If you are unable to submit your request or if it is blocked, please contact us or make an appointment with your ING branch. An advisor will review your situation and explain the next steps.
"},"title":"I’m experiencing a problem when trying to modify the borrowers on my mortgage loan. What should I do?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Questions? Need help? We’re here for you"},{"componentType":"paragraph","richBody":{"value":"Whether you prefer digital support or personal advice. ING is ready to assist you
"}},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/431ece2107386d3b/original/Persons-Person_At_Desk_Filledin.svg","publishedAt":"2022-07-04T14:15:27Z","transformBaseUrl":"https://assets.ing.com/transform/639a30da-af1f-4013-8f13-70d0d036fb01/Persons-Person_At_Desk_Filledin","type":"image","updatedAt":"2022-07-04T14:17:47Z","width":24},"intro":"Schedule a call with our advisers or get directed to the right information online. ","link":{"url":"/en/individuals/services/contact-us-appointment"},"title":"Need assistance for a complex question?"}],"componentType":"cards"}]},"hasMacro":false,"id":"73015a59-4508-4011-9c38-b12e9319b8b1","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"Please note the following important information regarding our partnerships:
The data collected by KwadrO, Isolteam, EnergyVision, Brusol, Luminus or Energyking can be communicated to ING Belgium and are processed, without prejudice to the legal provisions of public order:
Any individual may view and rectify data concerning him or her. They may also ask for their data to be deleted or for the processing of their personal data to be restricted and may object to the data being processed. They also have the right to port their data.
For any further information, please consult article 5 (Professional discretion) and article 6 (Protection of personal data) of the ING Belgium General Terms and Conditions , article 16 (Protection of privacy) of the ING General Terms and Conditions for mortgages on real estate , as well as the ING Belgium Privacy Statement (available at ING branches and on www.ing.be ). Please also refer to the the PARTNER privacy agreement. If you have any questions, please contact our Data Protection Officer ( ing-be-PrivacyOffice@ing.com or ING Privacy Office, Marnixlaan 24, 1000 Brussels).
By engaging with KwadrO, Isolteam, EnergyVision, Brusol, Luminus or Energyking for the renovation service, you acknowledge and agree to the above terms.
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
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Housing","url":"/en/individuals/my-life/housing"}},"componentType":"editorialHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/7feb123eaef8e93c/original/Father-on-laptop-with-child-at-home-in-living-room.jpg","publishedAt":"2021-12-21T00:00:00Z","transformBaseUrl":"https://assets.ing.com/transform/cf62a722-a582-4bad-894a-5f5de80180f4/Father-on-laptop-with-child-at-home-in-living-room","type":"image","updatedAt":"2025-06-19T12:58:13Z","width":6016},"subtitle":"Want to upload an invoice or your Energy Performance Certificate (EPC)? Request a tax certificate, adjust your loan or benefit from the renovation partner offer? You can do it all online in the ING Banking app or Home’Bank. No paperwork or branch visit needed.","title":"Manage your mortgage loan online and improve your home with ING"},"date":"2026-09-02","readingTime":5},"publishDate":"2026-09-28T11:49:59.335+02:00"}}