ING mortgage

Written by: Joost van Herpen

Reviewed by: Roel Wonders

Written on: 28 juni 2024
Dutch version ING Bank is the third largest mortgage provider in the Netherlands.

ING Bank mainly has low interest rates for mortgages with a fixed interest rate period of 5 and 10 years. ING Bank offers many advantages. One of the bigger advantages is that ING wants to think about solutions in unusual situations, also for entrepreneurs.

I am a Certified Mortgage Planner and of course I know everything about ING mortgages. I know the conditions and pros and cons. Wondering whether ING has the best mortgage for you? Then schedule a free meeting with me..


• No extra costs for entrepreneurs who need an income statement
• Use an affordable desktop valuation
• Good options for A reporting or A1 coding
• Good opportunities for (GP) trainees with a temporary contract
• Good opportunities to borrow money for a farmhouse
• Often possible to include rental income for maximum mortgage
• Good possibilities for a mortgage for a holiday house


• Lower borrowing capacity for parents' loan with annual donation
• PGB income cannot be added to income for maximum mortgage
• Works with quotation interest, not with daily interest

Curious about your maximum mortgage? Wondering if this or one of the other 37 mortgage providers has the best rates and terms for you? Schedule a free consultation with me..

Joost en Roel huis

Joost van Herpen & Roel Wonders EHP

About ING

ING Bank was founded in 1989 after a merger of Nationale Nederlanden and the NMB Postbank Group. Together with ABN AMRO and Rabobank, ING Bank is one of the three largest lenders in the Netherlands. ING Bank – just like ABN AMRO and Rabobank – has a lot of knowledge and experience in mortgages.

ING Bank has around 8 million customers and a few hundred offices in the Netherlands. This Dutch multinational is active worldwide and, in addition to mortgages, also offers checking accounts, savings accounts, investment products, loans, insurance and pensions.

ING Bank also offers tailor-made mortgages. It means that they can think along in situations that are different. For example, banks that offer tailor-made mortgages are more willing to include rental income when taking out a mortgage. For example, they are also able to assess the annual figures of entrepreneurs themselves and think in terms of solutions.

What are the funding sources for ING?

The money that ING Bank lends in the form of mortgages comes from savers.

Savings are often lent out for the shorter term. It is the reason that ING has favorable interest rates for a fixed interest period of 10 years.

ING mortgage interest rates

ING is especially cheap for mortgages with a fixed interest rate period of 10 years. This means it competes with other providers, such as ABN AMRO, Rabobank and SNS.

For other fixed interest periods, ING is usually not the cheapest option. ING does offer an interest discount when having or opening a checking account.

Curious about ING’s current mortgage interest rate and compare it with that of all other mortgage providers? Then compare all interest rates now:

Is ING reliable?

ING can be seen as a reliable bank. The history of the bank dates back to 1881. This long history naturally benefits the bank’s reliability.
It is the third largest mortgage provider in the Netherlands with more than 200 offices, approximately 50,000 employees and 8 million customers.
For many people it also gives a feeling of confidence that it is a Dutch bank.

What is my experience with ING?

I find ING a pleasant bank to work with. It is especially nice that the bank thinks along in situations that differ. Entrepreneurs who want to take out a mortgage experience this as a major advantage.

If this mortgage provider is not the best for you? Then one of the 37 other providers might be better Schedule a free consultation with me to find out.

Extensive pros and cons

Below are the detailed pros and cons:


  • You can take out a mortgage with ING Bank if you have an A notification or A1 coding on a loan or mortgage that has been repaid or if this notification has been restored at the time of application.
  • If you are a doctor or general practitioner in training and you have a temporary employment contract, under certain conditions your income can be included as if there were a permanent employment contract.
  • If you are an entrepreneur, your income is determined by ING Bank itself and you do not have to incur additional costs for an Income Statement. This also applies to mortgage applications with National Mortgage Guarantee.
  • Under certain conditions you can use a Desktop Valuation, a cheaper alternative to an extensive valuation report.
  • Under certain conditions, you can finance a farmhouse with a mortgage from ING Bank.
  • Under certain conditions, rental income can be included as income for the mortgage application.
  • Under certain conditions you can take out a mortgage with ING Bank for a holiday home.



  • If you borrow money from your parents and your parents intend to donate the annual costs back every year, ING Bank will include a financial obligation for this, which means you can borrow less from ING Bank.
  • If you receive income from a Personal Budget, ING Bank will not include this as income for the mortgage application.
  • ING Bank uses a quotation rate as interest on transfer. This means that if the interest rate is lower on the day the mortgage deed is executed, you cannot benefit from this lower interest rate.


We do our best to keep the conditions up to date, but mortgage providers may change their conditions. Schedule a free consultation with me so that we can discuss the most current conditions and pros and cons.

Roel Wonders Review
Roel Wonders

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