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ING Orange Advantage (Package)

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $999,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $1,000,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $149,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $999,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $1,000,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $149,999 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $149,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $50,000 and $149,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $999,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $1,000,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $150,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $50,000 $149,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $999,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $1,000,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $50,000 $149,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $149,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $50,000 $149,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $2,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $2,000,000

Rate
2.54% p.a.
Comparison Rate
2.89% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Go to site
Rate
2.50% p.a.
Comparison Rate
2.85% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
2.64% p.a.
Comparison Rate
2.98% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
3.05% p.a.
Comparison Rate
3.39% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
4.07% p.a.
Comparison Rate
4.39% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
3.59% p.a.
Comparison Rate
3.91% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
3.55% p.a.
Comparison Rate
3.88% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
4.55% p.a.
Comparison Rate
4.86% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
4.20% p.a.
Comparison Rate
4.52% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
4.65% p.a.
Comparison Rate
4.96% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
2.69% p.a.
Comparison Rate
3.04% p.a.
Service fee
$299.00 yearly
Upfront fee
$299
Rate
3.09% p.a.
Comparison Rate
3.42% p.a.
Service fee
$299.00 yearly
Upfront fee
$299

Mozo editorial review ING Orange Advantage (Package) - last updated: 18 March 2021

5 / 5
binocular icon
What's hot
  • 2021 Home Loan Lender of the Year
  • Competitive variable rates from 2.50% (2.85% comparison rate*)
  • 100% offset account
What's not
  • $299 yearly service fee
Mozo snapshot

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. Little wonder our expert judges awarded ING the 2021 Mozo Experts Choice Award for Home Loan Lender of the Year.

key icon
Key features

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 2.50% (2.85% 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.

snapshot
Who is it good for

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.

question icon
Any catches

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.

Picture of Tom Watson
Tom Watson
Finance journalist

Tom Watson is a financial journalist at Mozo and co-host of the Finance Burrito podcast, specialising in fintech, property and business banking. Whether it’s reporting on banking trends or uncovering the latest product innovations, Tom’s mission is to keep our readers up to date with breaking Australian financial news. His work is often sourced in the media and across social media channels. Tom has a degree in Journalism from the University of Technology, Sydney. He is also ASIC RG146 (Tier 2) certified for general advice.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.54% p.a.

n/a

n/a

n/a

2.89% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$150,000

$999,999

none

80.00%

Features

Owner Occupier

Principal & Interest

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Receive $3,000 cashback when you refinance your home loan from another lender, apply by 30 Sep 2021, settle by 31 Dec 2021, and open an Orange Everyday account within 90 days. Minimum amount of $500,000 and LVR less than or equal to 80%.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.50% p.a.

n/a

n/a

n/a

2.85% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$1,000,000

$2,000,000

none

80.00%

Features

Owner Occupier

Principal & Interest

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Receive $3,000 cashback when you refinance your home loan from another lender, apply by 30 Sep 2021, settle by 31 Dec 2021, and open an Orange Everyday account within 90 days. Minimum amount of $500,000 and LVR less than or equal to 80%.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.64% p.a.

n/a

n/a

n/a

2.98% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$150,000

$2,000,000

80.00%

90.00%

Features

Owner Occupier

Principal & Interest

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.05% p.a.

n/a

n/a

n/a

3.39% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$150,000

$2,000,000

90.00%

95.00%

Features

Owner Occupier

Principal & Interest

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

4.07% p.a.

n/a

n/a

n/a

4.39% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$50,000

$149,999

none

95.00%

Features

Owner Occupier

Principal & Interest

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.59% p.a.

n/a

n/a

n/a

3.91% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$150,000

$999,999

none

80.00%

Features

Owner Occupier

Interest Only

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Receive $3,000 cashback when you refinance your home loan from another lender, apply by 30 Sep 2021, settle by 31 Dec 2021, and open an Orange Everyday account within 90 days. Minimum amount of $500,000 and LVR less than or equal to 80%.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.55% p.a.

n/a

n/a

n/a

3.88% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$1,000,000

$2,000,000

none

80.00%

Features

Owner Occupier

Interest Only

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Receive $3,000 cashback when you refinance your home loan from another lender, apply by 30 Sep 2021, settle by 31 Dec 2021, and open an Orange Everyday account within 90 days. Minimum amount of $500,000 and LVR less than or equal to 80%.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

4.55% p.a.

n/a

n/a

n/a

4.86% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$50,000

$149,999

none

95.00%

Features

Owner Occupier

Interest Only

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

4.20% p.a.

n/a

n/a

n/a

4.52% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$50,000

$149,999

none

80.00%

Features

Investor

Principal & Interest

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

4.65% p.a.

n/a

n/a

n/a

4.96% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$50,000

$149,999

none

80.00%

Features

Investor

Interest Only

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

2.69% p.a.

n/a

n/a

n/a

3.04% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$150,000

$2,000,000

none

80.00%

Features

Investor

Principal & Interest

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Receive $3,000 cashback when you refinance your home loan from another lender, apply by 30 Sep 2021, settle by 31 Dec 2021, and open an Orange Everyday account within 90 days. Minimum amount of $500,000 and LVR less than or equal to 80%.

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.

Details

Rates and fees information correct as at 17 September 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

3.09% p.a.

n/a

n/a

n/a

3.42% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$299.00

n/a

$299.00 yearly

$250.00

Other financial bits

$150,000

$2,000,000

none

80.00%

Features

Investor

Interest Only

Fortnightly, Monthly

yes - free

none

yes - free

$1.00

yes

yes

Can only be paid by Direct Debit or Salary Credit.

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.

Receive $3,000 cashback when you refinance your home loan from another lender, apply by 30 Sep 2021, settle by 31 Dec 2021, and open an Orange Everyday account within 90 days. Minimum amount of $500,000 and LVR less than or equal to 80%.

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.

Customer Reviews

How are ING home loans rated by the Mozo community?

Overall
Price
Features
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Based on 749 ING home loan reviews

Latest reviews of ING Orange Advantage (Package) Home Loan

About ING

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.