Mortgage loans

Why choose our Mortgage Loan?

  • Competitive fixed rates: Benefit from attractive, fixed interest rates throughout your agreement to keep complete control of your budget.

  • 100% online support: Build your file, upload your supporting documents, and track your application's progress directly from home.

  • Repayment flexibility: Benefit from options to adjust your monthly payments in the event of a change in circumstances or early repayment opportunities.

  • Total transparency: No hidden fees. The Annual Percentage Rate (APR), administrative fees, and insurance options are presented clearly right from the start.

Our Mortgage Loan Options

1. Primary or Secondary Residence Purchase

Financing your future home has never been easier. We support you through the purchase of new or existing properties, with or without renovation work.

  • Loan term: From 10 to 25 years.

  • Financing: Ability to finance up to 100% of the property value (excluding notary and guarantee fees).

2. Buy-to-Let Investment

Build or grow your real estate portfolio to generate additional income and secure your future.

  • Financial optimization: Future rental income is factored into the assessment of your borrowing capacity.

  • Tailored structures: Deferred repayment options are available to align the start of repayments with the property's rental availability.

Mortgage Loan — Become a Homeowner with Complete Peace of Mind

At ING Finance International, we know that purchasing property is one of life's most significant milestones. Whether you want to purchase your first primary residence, invest in buy-to-let property, or purchase a holiday home, we offer tailored, transparent financing solutions adapted to your financial capacity. 

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  • 3. Mortgage Refinancing

Already have an ongoing mortgage with another institution? Regain control of your budget by renegotiating your interest rate or consolidating your monthly payments.

  • Lower monthly payments: Reduce the overall cost of your loan or extend the term to ease your monthly budget.

Offer Features

FeatureOffer details
Financed amountFrom €50,000 to €1,500,000
Loan termFrom 5 to 25 years (60 to 300 months)
Interest rate typeFixed Rate
Down paymentNot required (but recommended to secure the best rate)
Early repayment chargesFlexible and clearly outlined in the contract

How to secure your Mortgage Loan in 4 steps

  1. Online simulation: Calculate your borrowing capacity and adjust your monthly payments in 2 minutes using our simulator.

  2. Instant approval in principle: Fill out our secure form and receive an immediate initial decision.

  3. Application review: Upload your documents (proof of income, ID, sales agreement, etc.) directly to the platform.

  4. Signature and release of funds: Once the final offer is approved and signed