{"type":"document","data":{"id":"73015a59-4508-4011-9c38-b12e9319b8b1","localeString":"en-GB","publishDate":"2026-04-15T09:31:44.533+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Send an invoice or submit an EPC to ING? Download a tax certificate or basic certificate? Change your contract details? Do an early reimbursement? You can do all of this online at ING!"},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"Manage your mortgage loan online and improve your home with ING","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.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/cf62a722-a582-4bad-894a-5f5de80180f4/Father-on-laptop-with-child-at-home-in-living-room","type":"image","width":6016,"original":"https://assets.ing.com/m/7feb123eaef8e93c/original/Father-on-laptop-with-child-at-home-in-living-room.jpg","extension":"jpg"}},"backLink":{"textLink":{"url":"/en/individuals/my-life/housing","text":"Housing"}},"date":"2026-03-25","readingTime":5},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Manage your mortgage digitally and discover all our services"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/3cd7b805-5420-4d51-97a6-9601f2230b6b/epc-house","type":"image","width":691,"original":"https://assets.ing.com/m/61b429dc4ec90527/original/epc-house.png","extension":"png"},"highlighted":false,"items":[{"body":"Directly in your ING Banking-app you can book an appointment to get an EPC and upload it afterwards. If your renovation improves your EPC, and your mortgage was signed after October 1, 2024, you may qualify for up to 0.20% rate reduction.","textLink":{"url":"/en/individuals/borrowing/home/mortgage-for-renovation","text":"Find out more here"},"title":"Request or upload an EPC certificate"}]},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/b9a88caf-da11-4105-854b-fa561ff6048a/houseconstructionfund","type":"image","width":0,"original":"https://assets.ing.com/m/3c1937bd2d4dd395/original/houseconstructionfund.svg","extension":"svg"},"highlighted":false,"items":[{"body":"Select your mortgage loan from the overview in your ING Banking app or Home’Bank and upload a copy of your bills and/or supporting documents. After verification and approval, ING will deposit the amount on your account. Please check the criteria your invoices must satisfy and the type of file that can be imported.","title":"Request release of funds"}]},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/196ad56a-c3a7-4253-b5e2-9981d04ac169/document-to-sign","type":"image","width":4619,"original":"https://assets.ing.com/m/48d32fe59baca8f2/original/document-to-sign.png","extension":"png"},"highlighted":false,"items":[{"body":"Easily download or request your tax certificate, copies of amortisation tables or request ING to fill a document via your ING Banking-app or Home’Bank. Depending on your requests, there might be a cost.","textLink":{"url":"/en/individuals/daily-banking/charges-and-regulations","text":"Read more here"},"title":"Documents and certificates"}]},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/b24c508e-172a-45b5-945f-eec8f0a60ece/Hand-holding-smartphone","type":"image","width":160,"altTextEN":"banking app","altTextNL":"banking-app","altTextFR":"app bancaire","original":"https://assets.ing.com/m/5d8a71efaf312c38/original/Hand-holding-smartphone.png","extension":"png"},"highlighted":false,"items":[{"body":"whether you want to repay your loan partially or fully, add or remove a borrower or change the payment account linked to your mortgage, it’s all possible to initiate this via your ING Banking-app or Home’Bank.","title":"Managing your loan"}]},{"componentType":"sectionTitle","title":"Make your home more energy efficient and save on your energy bills"},{"componentType":"paragraph","richBody":{"value":"

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":[{"url":"/en/individuals/borrowing/home/one-stop-shop-renovation/your-energy-renovation-toolkit","text":"Walk through our step by step toolkit and plan your renovation"}]},{"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":"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

"}},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Need assistance for a complex question?","intro":"Schedule a call with our advisers or get directed to the right information online. ","image":{"transformBaseUrl":"https://assets.ing.com/transform/639a30da-af1f-4013-8f13-70d0d036fb01/Persons-Person_At_Desk_Filledin","type":"image","width":24,"original":"https://assets.ing.com/m/431ece2107386d3b/original/Persons-Person_At_Desk_Filledin.svg","extension":"svg"},"link":{"url":"/en/individuals/services/contact-us-appointment"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Buying or building ?","intro":"6 steps to your dream house","body":"Buy with ING and unlock a world of possibility","image":{"transformBaseUrl":"https://assets.ing.com/transform/fec232d5-d020-43a6-9d66-d28046e45bd5/Visual_Batibouw_2025_2","type":"image","width":6000,"original":"https://assets.ing.com/m/41f99f33f9a00d57/original/Visual_Batibouw_2025_2.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/one-stop-shop-purchase/6-steps-to-your-dream-house"},"checkMarkList":["Home advisors, guiding you at every step","Learning center and online tools","Manage your mortgage in ING App, anytime & anywhere"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Renovating ?","intro":"Your energy-saving renovation toolkit","body":"Renovation made easy, from budget to EPC","image":{"transformBaseUrl":"https://assets.ing.com/transform/43fd6560-560b-4110-856b-ad33a107867a/batibouw_Omar_1920x1080_zoom","type":"image","width":1920,"original":"https://assets.ing.com/m/674c4ccc6e30943e/original/batibouw_Omar_1920x1080_zoom.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/home/one-stop-shop-renovation/your-energy-renovation-toolkit"},"checkMarkList":["Home advisors, decrypting your EPC","Interesting partner deals","Improve your EPC and get a lower rate"]},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Mortgage loan","intro":"Simulate your housing project.","image":{"transformBaseUrl":"https://assets.ing.com/transform/11200af0-4d4a-48cc-a7f0-bebd24c7b21a/Calculator_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/1f0f056525180f08/original/Calculator_outline_orange_RGB.png","extension":"png"},"link":{"url":"/en/individuals/borrowing/mortgage-loan-simulation"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"

Please note the following important information regarding our partnerships:

  1. KwadrO, Isolteam, EnergyVision, Brusol, Luminus and Energyking are independent companies and are not affiliated with, controlled by, or a subsidiary of ING. ING is not responsible for the quality of the renovation service issued by KwadrO, EnergyVision, Brusol, Isolteam, Luminus or Energyking. ING cannot be held liable for any direct or indirect damage resulting from the use of this service offered by KwadrO, Isolteam,  EnergyVision, Brusol, Luminus or Energyking.
  2. All payments for services related to the renovation service are handled directly by KwadrO, Isolteam, EnergyVision, Brusol, Luminus or Energyking. ING does not process or manage any payments for these services.
  3. Protection of your personal data and professional discretion:

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:

  1. by SA/NV ING Belgium, avenue Marnix 24, 1000 Brussels, for the purposes of:
    1. Supporting ING customers and prospects in their property projects, by giving them a better view of the energy efficiency of their property and identifying priority improvement measures;
    2. Granting and managing loans;
    3. Checking the regularity of operations and preventing irregularities.
  2. By KwadrO, Isolteam, EnergyVision, Brusol, Luminus or Energyking, other companies in the group of KwadrO, Isolteam, EnergyVision, Brusol, Luminus or Energyking for the following purposes:
    1. To provide the user with information on products and services;
    2. Functional management;
    3. To produce statistics on the use of the site.

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

"}}]}}}