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.
Variable rate loans under $5 million secured by commercial property.
Fixed rate loans under $5 million secured by commercial property.
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.
4/8/2022
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 7.21% as at the date of publication and is subject to change without notice.
Click for a printer friendly version.
NEW Borrowings $500,000 < $1,000,000
6.74% p.a.
NEW Borrowings $1,000,000 ≤ $5,000,000
6.29% p.a.
Last updated 12/06/2025
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.
1 year Fixed Rate
6.42% p.a.
2 year Fixed Rate
6.59% p.a.
3 year Fixed Rate
6.34% p.a.
4 year Fixed Rate
6.84% p.a.
5 year Fixed Rate
6.94% p.a.
Last updated 10/07/2025
Contact your ING representative for today's fixed interest rate
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
Here you can find a range of forms - these may be necessary through the commercial loan process.
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.
We are pleased to advise that all ING accredited brokers now have the ability to order commercial property valuations prior to submitting a new commercial loan application to ING.
If you are already set up to use Valocity for ING residential lending purposes, your commercial lending valuation access has automatically been updated! Simply refer to the Broker Reference Guide for steps on commercial valuation ordering or click here to access our Frequently Asked Questions. For any other assistance please contact your ING Commercial representative.
Note, Commercial valuations are only ordered once payment in full is received.
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.
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.
We have put together some hints and tips to assist you when completing our Commercial Serviceability Calculator for a commercial loan application.
There's the done thing and then there's the ING way. And the fact that we're Australia's Most Recommended Bank makes us smile a thousand smiles. It's a genuine honour and a privilege.
