ING Introduces New Mortgage Interest Rate Structure Based on Energy Label

Starting April 30th 2025, ING implemented a new, more granular approach to mortgage pricing—offering different interest rates based on a property’s energy label. This change marks a significant shift from their previous model, which only rewarded homeowners with a discount for improving their property to energy label A or higher. The new system offers varying interest rates across all energy labels, creating both opportunities and incentives for homeowners to improve the energy performance of their property.

What’s Changing for ING Mortgage Clients

 

• Tiered Interest Rates by Energy Label:

 

From April 30th, clients will receive a specific interest rate depending on the energy label of their home, ranging from G (least efficient) to A++++ (most efficient). With a D label you get a discount of 0,03%, with a C label 0,06%, with B label 0,09%, with A label 0,12% and A+ or better even 0,15%.

 

This rewards buyers of already efficient homes and further encourages sustainability-driven renovations for less efficient properties.

 

• No Need to Wait for Fixed-Rate Renewal:

 

Homeowners who improve their property’s energy label can request a new, lower interest rate during their fixed-rate term, rather than having to wait for the next term to begin.

 

• Automatic Loan-to-Value (LTV) Category Adjustments:

 

In a major customer-friendly update, ING will also begin automatically adjusting the LTV risk category when the mortgage balance drops into a lower tier based on the home’s current market value. This means borrowers no longer need to request a review to benefit from a better risk profile—potentially unlocking a lower interest rate sooner.

 

Why This Matters for Expats

 

These updates make ING’s mortgage offering more dynamic, fair, and sustainability-oriented. Whether you’re buying a new home or looking to refinance, these changes could have a meaningful impact on the total cost of your mortgage.

 

Independent Expat Finance: Fast-Track ING Mortgage Applications

 

As an official ING priority partner, Independent Expat Finance provides a priority service—any mortgage application submitted through us is reviewed within 24 hours, compared to the standard processing timeline. This ensures faster approvals and timely access to favourable new rates.

 

Our Advice

 

If you’re considering buying a home or improving the energy efficiency of your current property, now is an excellent time to act. With ING’s new tiered pricing and auto-adjusting LTV categories, there are more ways than ever to save on your mortgage costs.

 

Get in touch with us today to explore how these changes could benefit you and to receive expert, expat-focused mortgage advice.

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Book a free mortgage intake meeting

 

For personalized advice and to explore the best mortgage options available, contact Independent Expat Finance today.