If you’re in the market for a fixed rate home loan that doesn’t skimp on flexibility, the offers from ING could be what you’re after. The Fixed Rate Loan lets you lock in a rate from 1 to 5 years and make repayments on a fortnightly or monthly basis. Loans are available from $50,000 and you’ll be able to borrow up to 95% LVR, meaning you can take out a loan with only a 5% deposit.
There are no application or ongoing monthly fees and you can make up to $10,000 a year in additional repayments without penalty. And if you combine your Fixed Rate Loan with ING's Orange Advantage home loan, you’ll receive a discount on the advertised fixed interest rates. There is also a rate lock feature available which can safeguard you against rising interest rates for up to 90 days prior to the settlement of the loan, but you’ll be charged a one off fee.
You can this discuss this option and compare against 25+ lenders with our trusted partner Lendi.
Answer a few questions online about your current loan and Lendi will connect you with one of their experienced home loan specialists, who can guide you every step of the way.
You can this discuss this option and compare against 25+ lenders with our trusted partner Lendi.
Answer a few questions online about your current loan and Lendi will connect you with one of their experienced home loan specialists, who can guide you every step of the way.
| Product | Fixed 3 year rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments | |
|---|---|---|---|---|---|---|
|
6.69% p.a. |
6.35% p.a. |
$0.00 |
$798 |
|||
|
6.09% p.a. |
6.15% p.a. |
$0.00 |
$798 |
|||
|
6.19% p.a. |
6.36% p.a. |
$0.00 |
$798 |
|||
|
6.64% p.a. |
6.70% p.a. |
$0.00 |
$798 |
|||
|
6.29% p.a. |
6.31% p.a. |
$0.00 |
$798 |
|||
|
6.14% p.a. |
6.27% p.a. |
$0.00 |
$798 |
ING’s variable options have everything you’re looking for in a full featured variable home loan. There are two variable home loans on offer that are available from a starting amount of $50,000, and you’ll be able to make unlimited extra repayments and redraw as you please.
While you’ll be charged an annual fee for the Orange Advantage loan, you can make up for the cost by taking advantage of its money saving features including a 100% offset account and a split loan facility that rewards you with interest rate discounts.
You can this discuss this option and compare against 25+ lenders with our trusted partner Lendi.
Answer a few questions online about your current loan and Lendi will connect you with one of their experienced home loan specialists, who can guide you every step of the way.
You can this discuss this option and compare against 25+ lenders with our trusted partner Lendi.
Answer a few questions online about your current loan and Lendi will connect you with one of their experienced home loan specialists, who can guide you every step of the way.
| Product | Rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments | |
|---|---|---|---|---|---|---|
|
6.39% p.a. |
6.42% p.a. |
$0.00 |
$299 |
|||
|
6.54% p.a. |
6.33% p.a. |
$0.00 |
$299 |
|||
|
6.54% p.a. |
6.33% p.a. |
$0.00 |
$299 |
|||
|
6.14% p.a. |
6.17% p.a. |
$0.00 |
$299 |
|||
|
6.14% p.a. |
6.17% p.a. |
$0.00 |
$299 |
|||
|
6.69% p.a. |
6.72% p.a. |
$0.00 |
$299 |
|||
|
8.00% p.a. |
8.22% p.a. |
$0.00 |
$299 |
|||
|
8.35% p.a. |
8.38% p.a. |
$0.00 |
$299 |
|||
|
6.54% p.a. |
6.42% p.a. |
$0.00 |
$299 |
|||
|
8.55% p.a. |
8.44% p.a. |
$0.00 |
$299 |
|||
|
6.29% p.a. |
6.32% p.a. |
$0.00 |
$299 |
|||
|
8.30% p.a. |
8.33% p.a. |
$0.00 |
$299 |
|||
|
6.89% p.a. |
6.74% p.a. |
$0.00 |
$299 |
|||
|
6.59% p.a. |
6.62% p.a. |
$0.00 |
$299 |
You can this discuss this option and compare against 25+ lenders with our trusted partner Lendi.
Answer a few questions online about your current loan and Lendi will connect you with one of their experienced home loan specialists, who can guide you every step of the way.
You can this discuss this option and compare against 25+ lenders with our trusted partner Lendi.
Answer a few questions online about your current loan and Lendi will connect you with one of their experienced home loan specialists, who can guide you every step of the way.
| Product | Fixed 3 year rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments |
|---|---|---|---|---|---|
|
6.59% p.a. |
6.29% p.a. |
$0.00 |
$299 |
||
|
5.99% p.a. |
6.12% p.a. |
$0.00 |
$299 |
||
|
6.09% p.a. |
6.33% p.a. |
$0.00 |
$299 |
||
|
6.54% p.a. |
6.67% p.a. |
$0.00 |
$299 |
You can this discuss this option and compare against 25+ lenders with our trusted partner Lendi.
Answer a few questions online about your current loan and Lendi will connect you with one of their experienced home loan specialists, who can guide you every step of the way.
You can this discuss this option and compare against 25+ lenders with our trusted partner Lendi.
Answer a few questions online about your current loan and Lendi will connect you with one of their experienced home loan specialists, who can guide you every step of the way.
| Product | Rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments |
|---|---|---|---|---|---|
|
6.39% p.a. |
6.67% p.a. |
$299.00 yearly |
$299 |
||
|
6.69% p.a. |
6.64% p.a. |
$299.00 yearly |
$299 |
||
|
6.69% p.a. |
6.64% p.a. |
$299.00 yearly |
$299 |
||
|
6.14% p.a. |
6.43% p.a. |
$299.00 yearly |
$299 |
||
|
6.14% p.a. |
6.43% p.a. |
$299.00 yearly |
$299 |
||
|
8.40% p.a. |
8.66% p.a. |
$299.00 yearly |
$299 |
||
|
6.69% p.a. |
6.97% p.a. |
$299.00 yearly |
$299 |
||
|
8.20% p.a. |
8.56% p.a. |
$299.00 yearly |
$299 |
||
|
6.54% p.a. |
6.66% p.a. |
$299.00 yearly |
$299 |
||
|
8.70% p.a. |
8.81% p.a. |
$299.00 yearly |
$299 |
||
|
8.45% p.a. |
8.72% p.a. |
$299.00 yearly |
$299 |
||
|
6.29% p.a. |
6.58% p.a. |
$299.00 yearly |
$299 |
||
|
6.89% p.a. |
6.98% p.a. |
$299.00 yearly |
$299 |
||
|
6.59% p.a. |
6.88% p.a. |
$299.00 yearly |
$299 |
If you have an Orange Everyday account, you’ll be able to take advantage of the round up feature. This rounds up your card purchases to the nearest $1 or $5 and directs the difference towards paying off your Mortgage Simplifier or Orange Advantage loan balance.
If you can combine your Orange Advantage home loan with a Fixed Rate loan, you’ll receive a discount of 0.10% on the advertised fixed rate. Plus, the fixed rate home loan application fee will be automatically waived.
You can withdraw funds from any ATM in Australia for free when you have any ING home loan and an Orange Everyday transaction account. You’ll also receive a rebate on fees from international ATMs (within 5 business days), as well as international transaction fees.
Mozo users have rated ING home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
768 Reviews
Only bad point is when you have less than 100k owing on a home loan the interest rates amalgamation are higher. That's unfair to loyal customers
Read full reviewOnly bad point is when you have less than 100k owing on a home loan the interest rates amalgamation are higher. That's unfair to loyal customers
Great online security, easy log in, offset account. I get my wages paid directly to this account and I therefore avoid account keeping fees. Only thing I dont like that there are no branches near to me.
Read full reviewGreat online security, easy log in, offset account. I get my wages paid directly to this account and I therefore avoid account keeping fees. Only thing I dont like that there are no branches near to me.
We switched our home loan from CBA to ING a few years ago when they offered us a competitive rate and we haven't looked back! ING continue to deliver a great rate, are easy to deal with, and the loan offers all the features we need (including an offset and redraw facility). We do pay an annual fee of $395 but also find this to be competitive with other banks. Highly recommend ING for your home loan!
Read full reviewWe switched our home loan from CBA to ING a few years ago when they offered us a competitive rate and we haven't looked back! ING continue to deliver a great rate, are easy to deal with, and the loan offers all the features we need (including an offset and redraw facility). We do pay an annual fee of $395 but also find this to be competitive with other banks. Highly recommend ING for your home loan!
I'd like if they proactively offer rate reduction on my home loan rather than needing me to ask for one. The ING App is really responsive and easy to use
Read full reviewI'd like if they proactively offer rate reduction on my home loan rather than needing me to ask for one. The ING App is really responsive and easy to use
Easily the best bank I have ever dealt with. They explain everything very well and are great and understanding needs. I started with just a home loan account but now use them for all my banking. Sometimes it would be handy to have a branch to pop into to talk to someone face to face but I’ve never hung up from a phone call still needing answers.
Read full reviewEasily the best bank I have ever dealt with. They explain everything very well and are great and understanding needs. I started with just a home loan account but now use them for all my banking. Sometimes it would be handy to have a branch to pop into to talk to someone face to face but I’ve never hung up from a phone call still needing answers.
When you are confident ING is the right lender for you, signing up for one of their home loans is relatively easy and can be done online or offline. Before you get started, ensure you familiarise yourself with the details ING may require by scouring through our handy guide:
The purpose of the loan (i.e. new purchase, investment property or refinance) will generally determine what additional documents you may require. Some of these may include: