The basic rule is that you both remain jointly and severally liable for the repayment of each loan that you took out together, even after you have separated. This means that the total amount of the remaining debt can be claimed from both of you.
"}},{"componentType":"sectionTitle","title":"Option 1: Sell your home"},{"componentType":"paragraph","richBody":{"value":"If you decide to sell the home you had together, remember that both you and your ex-partner remain liable for the payments until the house is sold.
In case of a sale the sale price is used to repay the home loan, the (possible) remaining balance is shared as agreed.
"}},{"componentType":"sectionTitle","title":"Option 2: You both keep the home"},{"componentType":"paragraph","richBody":{"value":"If you decide to keep the property on both names, nothing changes. You both remain co-owner and remain jointly responsible for the loan.
"}},{"componentType":"sectionTitle","title":"Option 3: One of the partners keeps the home and buys out the other partner"},{"componentType":"paragraph","richBody":{"value":"If one of the partners decides to keep the house and buy out the other, it’s important to first set a sale price (by notarial deed or private agreement). ING will check the financial capacity to ensure the payments remain manageable. If you want to rediscuss the terms of the loan (for example duration) or require additional financing for the buy-out, make an appointment with one of our home advisors to discuss the options.
The remaining borrower becomes fully responsible for the loan once the entire process has been completed at the notary’s office. The notary will amend the title deed so that the property and the mortgage are registered solely in the name of the remaining borrower. The notary must also communicate these changes to the bank. Once everything has been processed, the remaining borrower becomes solely responsible for the loan.
If all these steps have already been completed but the mortgage is still not registered solely in the remaining borrower's name, please contact us and ask to speak to an agent to review the file.
"}},{"componentType":"sectionTitle","title":"Questions? Get in touch"},{"componentType":"paragraph","richBody":{"value":"Your future may be changing, but you are not facing it on your own.
In case you need guidance or help we’re there to support you!
"}},{"componentType":"cta","textLink":{"text":"Make an appointment","url":"/en/individuals/borrowing/mortgage-loan-appointment"}}]},"hasMacro":false,"id":"c820e3d9-6140-400d-9cb4-15e08910f61a","legalZone":{"flexComponents":[{"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.
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.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Tough times","url":"/en/individuals/my-life/tough-times"}},"componentType":"editorialHeader","coreHeader":{"body":"Life can take unexpected terms and a divorce or separation is emotionally challenging. When a relationship ends financial questions quickly follow- especially when there is a mortgage loan involved.\r\n\r\nOn this page you’ll find \r\n•\tYour options for managing an ING mortgage loan\r\n•\tThe implications of the options\r\n•\tHow you can prepare \r\n•\tHow ING can support you","title":"Divorce or separation: what happens to your mortgage loan"},"date":"2026-04-24","readingTime":5},"publishDate":"2026-08-07T14:06:05.022+02:00"}}