Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | < 80% | $150,000 | $999,999 |
|
Owner Occupier | Principal & Interest | < 80% | $1,000,000 | $2,000,000 |
|
Owner Occupier | Principal & Interest | 80%-90% | $150,000 | $2,000,000 |
|
Owner Occupier | Principal & Interest | 90%-95% | $150,000 | $2,000,000 |
|
Owner Occupier | Principal & Interest | < 95% | $50,000 | $149,999 |
|
Owner Occupier | Interest Only | < 80% | $1,000,000 | $2,000,000 |
|
Owner Occupier | Interest Only | < 80% | $150,000 | $999,999 |
|
Owner Occupier | Interest Only | < 80% | $50,000 | $149,999 |
|
Investor | Principal & Interest | < 80% | $150,000 | $2,000,000 |
|
Investor | Principal & Interest | < 80% | $50,000 | $149,999 |
|
Investor | Principal & Interest | 80%-90% | $150,000 | $2,000,000 |
|
Investor | Interest Only | 80%-90% | $150,000 | $2,000,000 |
|
Investor | Interest Only | < 80% | $150,000 | $2,000,000 |
|
Investor | Interest Only | < 80% | $50,000 | $149,999 |
With competitive rates and flexible options such as free extra repayments, a redraw facility, split loan option and 100% offset account to help you save on interest, the Orange Advantage (Package) home loan from ING could be an option for borrowers wanting the best of both worlds.
ING's Orange Advantage (Package) comes with different variable rate tiers depending on the amount you are borrowing, your loan-to-value ratio (LVR) and whether you're an owner occupier or investor. Rates currently start at 6.14% (6.43% comparison rate*) for owner occupiers with an LVR of 80% or lower and a loan amount over $1 million, but there are a number of other competitive rates for different borrowing needs as well.
In terms of features, you can pretty much take your pick. There's a 100% offset account on offer if you're willing to link your home loan to the Orange Everyday transaction account which could save you a bunch of interest over the life of your loan. Plus, the ING Everyday Round Up feature lets you automatically round up purchases made with your Orange Everyday Transaction Account to the nearest $1 or $5, with the difference transferred towards your loan balance.
You can also make extra repayments anytime for free and if you find yourself in need of some extra cash down the line you can take advantage of the free online redraw facility. There is also a split loan option if you decide that you want to fix some of your loan for a set period.
While there is no application fee, there are one-off settlement ($299) and discharge ($250) fees which you'll need to pay, plus a $299 yearly service fee.
If you're looking for a low rate, full feature loan to help you pay down your mortgage quicker and save on interest, the Orange Advantage (Package) loan could be the pick for you, particularly if you're already an ING customer with an Everyday Transaction account.
You can choose to make repayments on a fortnightly or monthly basis but these need to be made either via direct debit or salary credit, so if you need an alternative payment method you'll need to consider an alternative loan.
6.14% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.43% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$150,000 |
|
$999,999 |
|
none |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.14% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.43% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$1,000,000 |
|
$2,000,000 |
|
none |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.39% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.67% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$150,000 |
|
$2,000,000 |
|
80.00% |
|
90.00% |
Owner Occupier |
|
Principal & Interest |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.97% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$150,000 |
|
$2,000,000 |
|
90.00% |
|
95.00% |
Owner Occupier |
|
Principal & Interest |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
8.40% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
8.66% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$50,000 |
|
$149,999 |
|
none |
|
95.00% |
Owner Occupier |
|
Principal & Interest |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$1,000,000 |
|
$2,000,000 |
|
none |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$150,000 |
|
$999,999 |
|
none |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
8.20% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
8.56% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$50,000 |
|
$149,999 |
|
none |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.29% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.58% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$150,000 |
|
$2,000,000 |
|
none |
|
80.00% |
Investor |
|
Principal & Interest |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
8.45% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
8.72% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$50,000 |
|
$149,999 |
|
none |
|
80.00% |
Investor |
|
Principal & Interest |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.59% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.88% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$150,000 |
|
$2,000,000 |
|
80.00% |
|
90.00% |
Investor |
|
Principal & Interest |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.89% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.98% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$150,000 |
|
$2,000,000 |
|
80.00% |
|
90.00% |
Investor |
|
Interest Only |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.54% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.66% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$150,000 |
|
$2,000,000 |
|
none |
|
80.00% |
Investor |
|
Interest Only |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
8.70% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
8.81% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$299.00 |
|
n/a |
|
$299.00 yearly |
|
$250.00 |
$50,000 |
|
$149,999 |
|
none |
|
80.00% |
Investor |
|
Interest Only |
|
Fortnightly, Monthly |
|
yes - free |
|
none |
|
yes - free |
|
$1.00 |
|
yes |
|
yes |
|
none |
|
Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance. |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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!
Great to deal with ING at every occasion, had some unauthorized transaction in my account, ING chased it up and gave me a full refund within the week. They don't have a physical branch near me but I don't need that accessibility in my situation. ING refund all ATM transaction fees also.
Read full reviewGreat to deal with ING at every occasion, had some unauthorized transaction in my account, ING chased it up and gave me a full refund within the week. They don't have a physical branch near me but I don't need that accessibility in my situation. ING refund all ATM transaction fees also.
worse banking service via phone and on-line systems are poor at best
Read full reviewworse banking service via phone and on-line systems are poor at best
Without doubt the worst bank i have ever had to deal with. I have been trying to get a mortgage discharged for 2 weeks and despite several follow up calls I: 1. Cannot get any manager to call me regarding my account 2. They have not moved on sending the information to the solicitors to get the paperwork complete. I have had to follow them up DAILY to make sure they are doing their job but despite this still cannot get anyone in a senior position to take a phone call. Do not bank with ING if you value your sanity.
Read full reviewWithout doubt the worst bank i have ever had to deal with. I have been trying to get a mortgage discharged for 2 weeks and despite several follow up calls I: 1. Cannot get any manager to call me regarding my account 2. They have not moved on sending the information to the solicitors to get the paperwork complete. I have had to follow them up DAILY to make sure they are doing their job but despite this still cannot get anyone in a senior position to take a phone call. Do not bank with ING if you value your sanity.
Absolutely do not recommend. They took 6 weeks to decline WITH pre-approval, after repeatedly advising that I would have an answer within 2-5 days. Eventually they declined on 2 facts which were there the whole time - resell time and bushfire risk. Declined the day before the finance clause expired. Almost cost me the deposit. A total joke of a bank. Got the loan from a Broker within 7 days!
Read full reviewAbsolutely do not recommend. They took 6 weeks to decline WITH pre-approval, after repeatedly advising that I would have an answer within 2-5 days. Eventually they declined on 2 facts which were there the whole time - resell time and bushfire risk. Declined the day before the finance clause expired. Almost cost me the deposit. A total joke of a bank. Got the loan from a Broker within 7 days!
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
$0.00
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Offset Home Loan (Package)
6.15% p.a. variable
6.40% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Offset Home Loan (Package)
6.15% p.a.
6.40% p.a.
Basic Home Loan
6.15% p.a.
6.17% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Basic Home Loan (Fixed)
6.09% p.a.
fixed 3 years
6.19% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
Elevate
6.09% p.a.
6.20% p.a.
$0.00
First Home Buyer Loan
5.90% p.a.
5.93% p.a.
$0.00
Basic Variable Home Loan
5.94% p.a.
5.99% p.a.
$0.00
First Home Buyer Advantage Plus Home Loan
5.99% p.a.
6.76% p.a.
$0.00
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.