Commercial Loans

Taking the hassle out of commercial lending

Product sheets

ING provides a variety of Commercial Loans to professional investors and experienced owner occupiers for the refinance or purchase of commercial property.

Talk to your ING representative about our commercial fixed, variable or combination interest rates and the choice of Interest Only or Principal and Interest repayment options. Your ING representative can also inform you about the range of features and benefits our commercial loans offer including no ongoing fees or charges.

Loans greater than $3,000 000 will be considered by our Commercial Property Finance team. Please contact your ING representative to discuss your proposal and for more information on our credit approval criteria and any fees and charges that apply.

Compare Commercial Loans

Variable Rates: Below you can find the current Commercial Variable Rate Loan interest rates, which are current as at the date of publication and are subject to change without notice.

The reference rate applicable to Commercial Variable Rate Loans is the ING Commercial Cash rate, which is 3.46% as at the date of publication and is subject to change without notice.

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Commercial Variable Rate Loans
 
Interest Rate
Comparison Rate

New Commercial Borrowings < $500k

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New Commercial Borrowings $500k to < $750k

% p.a.

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New Commercial Borrowings $750k to < $1 million

% p.a.

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New Commercial Borrowings $1 million to < $3 million

% p.a.

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New Commercial Borrowings $3 million+

Contact your ING representative

Indicative Fixed Rates: Below you can find the current indicative Commercial Fixed Rate Loan interest rates. These rates are indicative only, and are subject to change without notice.
Please note - the date on the printer friendly version of this page is not confirmation that the rates below are available as at the date of printing.

Commercial fixed rates change daily. To find out today's fixed interest rate on any commercial loan or to discuss a scenario, please contact your ING representative. The fixed rate that will apply will be the fixed rate applicable on the day of settlement.

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Commercial Fixed Rate Lock-in is available at a fee of 0.3% of the Fixed Loan amount.

For further information please contact your ING representative. All applications for credit are subject to ING’s credit approval criteria. Fees and charges apply

Forms

Here you can find a range of forms - these may be necessary through the commercial loan process.

Commonly Used Commercial Forms
Commercial Discussion Paper
Use this form when submitting an expression of interest request. If using your own submission please ensure all items listed in our Commercial discussion paper are included. We aim to respond to you within 48 hours.
Company / Trust Borrower Application form
Commercial loan application form for Company/Trust borrowers.
Entity Foreign Tax Residency, self-certification form
Commercial and business customers must complete this form to ensure we hold accurate and current information about your foreign tax residency. This form is for businesses, trusts and partnerships only—no sole traders or individuals.
Individual Borrower Application form
Commercial loan application form for borrowers in individual name.
Individual Foreign Tax Residency, self-certification form
Individuals banking with us must complete this form to ensure we hold accurate and current information about your foreign tax residency. This form is for personal banking customers, sole traders, guarantors and controlling persons of an entity.
Additional Guarantor form
Use this form for additional company/trust or personal guarantors.
Identification Form
Verifying an applicant's identity.
Upfront Valuation Request
To be used when requesting a valuation prior to submission of an application form.
Loan Account Instruction Form - Company / Trust Borrowers
Operating instructions and authorised persons for loan accounts
Loan Account Instruction Form - Individual Borrowers
Operating instructions and authorised persons for loan accounts
PCM Product Switch Form
To be used when switching a Priority Commercial Mortgage product
Director Guarantor Waiver Form
List of documents not to be sent to a Director Guarantor.
PCM Fixed Rate Lock In Request Form
Use this form to request a fixed rate lock in for a commercial loan. Please submit by 4pm for same day lock in.

Brochures

Below you can find a range of useful information, designed to help you gain a better understanding of the more complicated intricacies of the commercial loan process.

Why Choose ING for Commercial loans?
A flyer outlining the key features of our commercial lending product offering
ING Commercial Loans Terms and Conditions
ING Commercial Loans Terms and Conditions brochure, as at 1 July 2019.
Notice to ING Commercial Loan Customers
This document outlines important changes to ING Commercial Loans Terms and Conditions Booklet as at 1 July 2019.
Commercial Loans - Pre Settlement Fees and Charges
Lists our fees and charges
Who Can Help Me?
ING contact points

Useful Tips

Commercial Valuations - Selecting a valuer firm

Going forward, a customer can request that a valuation be allocated to a specific Valuer firm on our panel at any time.

Where a property falls under our agreed fees for standard commercial securities, for example: Office space, Industrial or Retail properties. A list of our current accredited Valuer firms is available below. Note, if the customer does not have a preference, the valuation will be ordered via our valuation management system and outsourced to a Valuer randomly.

Commercial Valuer firms

Where a commercial property is deemed as "non-standard" it is important to highlight that ING will source up to three quotes from the list of our current accredited Valuer firms and provide these options to the broker to enable the customer to make a choice.

Request a Key Facts Sheet

A Key Facts Sheet (KFS) is a fact sheet for ING regulated commercial loans, which is in a standard format.

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