Home Loans

Making home loans simple and straightforward

Product sheets

Here you can find a summary of our home loan products and features. Simply click on the links below to find out all you need to know about each product.

Compare Home Loans

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Orange Advantage
Principal + Interest
Interest Rate
Comparison Rate

Aggregate Borrowings $1,000,000 + and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings $500,000 to $999,999 and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings $150,000 to $499,999 and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings $150,000 + and LVR > 80% ≤ 90% (incl. LMI)

% p.a.

% p.a.

Aggregate Borrowings $150,000 + and LVR > 90% (incl. LMI)

% p.a.

% p.a.

Aggregate Borrowings less than $150,000

% p.a.

% p.a.

Interest only
Interest Rate
Comparison Rate

Aggregate Borrowings $1,000,000 + and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings $500,000 to $999,999 and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings $150,000 to $499,999 and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings less than $150,000

% p.a.

% p.a.

When combined with an Owner Occupier variable Orange Advantage home loan and LVR is less than or equal to 80%
Special Offer Fees and charges, including an Orange Advantage annual fee apply.
Interest Rate
Comparison Rate

1 Year Fixed Rate

2.04% p.a.

3.94% p.a.

2 Year Fixed Rate

1.84% p.a.

3.73% p.a.

3 Year Fixed Rate

1.89% p.a.

3.56% p.a.

4 Year Fixed Rate

2.34% p.a.

3.54% p.a.

5 Year Fixed Rate

2.49% p.a.

3.48% p.a.

When combined with an Owner Occupier variable Orange Advantage home loan and LVR is above 80% and less than or equal to 90%
Special Offer Fees and charges, including an Orange Advantage annual fee apply.
Interest Rate
Comparison Rate

1 Year Fixed Rate

2.14% p.a.

3.94% p.a.

2 Year Fixed Rate

1.94% p.a.

3.74% p.a.

3 Year Fixed Rate

1.99% p.a.

3.59% p.a.

4 Year Fixed Rate

2.44% p.a.

3.58% p.a.

5 Year Fixed Rate

2.59% p.a.

3.52% p.a.

When combined with an Owner Occupier variable Orange Advantage home loan and LVR is greater than 90%
Special Offer Fees and charges, including an Orange Advantage annual fee apply.
Interest Rate
Comparison Rate

1 Year Fixed Rate

2.59% p.a.

4.11% p.a.

2 Year Fixed Rate

2.39% p.a.

3.82% p.a.

3 Year Fixed Rate

2.44% p.a.

3.70% p.a.

4 Year Fixed Rate

2.89% p.a.

3.72% p.a.

5 Year Fixed Rate

3.04% p.a.

3.70% p.a.

When NOT combined with an Owner Occupier variable Orange Advantage home loan and LVR is less than or equal to 80%
Interest Rate
Comparison Rate

1 Year Fixed Rate

2.14% p.a.

3.94% p.a.

2 Year Fixed Rate

1.94% p.a.

3.74% p.a.

3 Year Fixed Rate

1.99% p.a.

3.59% p.a.

4 Year Fixed Rate

2.44% p.a.

3.58% p.a.

5 Year Fixed Rate

2.59% p.a.

3.52% p.a.

When NOT combined with an Owner Occupier variable Orange Advantage home loan and LVR is above 80% and less than or equal to 90%
Interest Rate
Comparison Rate

1 Year Fixed Rate

2.24% p.a.

3.95% p.a.

2 Year Fixed Rate

2.04% p.a.

3.76% p.a.

3 Year Fixed Rate

2.09% p.a.

3.61% p.a.

4 Year Fixed Rate

2.54% p.a.

3.61% p.a.

5 Year Fixed Rate

2.69% p.a.

3.56% p.a.

When NOT combined with an Owner Occupier variable Orange Advantage home loan and LVR is greater than 90%
Interest Rate
Comparison Rate

1 Year Fixed Rate

2.69% p.a.

3.99% p.a.

2 Year Fixed Rate

2.49% p.a.

3.84% p.a.

3 Year Fixed Rate

2.54% p.a.

3.72% p.a.

4 Year Fixed Rate

2.99% p.a.

3.76% p.a.

5 Year Fixed Rate

3.14% p.a.

3.74% p.a.

Swipe to see the
rest of the table
Orange Advantage
Principal + Interest
Interest Rate
Comparison Rate

Aggregate Borrowings $150k + and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings less than $150k

% p.a.

% p.a.

Interest only
Interest Rate
Comparison Rate

Aggregate Borrowings $150k + and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings less than $150k

% p.a.

% p.a.

Principal + Interest
Interest Rate
Comparison Rate

Aggregate Borrowings $150k + and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings less than $150k

% p.a.

% p.a.

Interest only
Interest Rate
Comparison Rate

Aggregate Borrowings $150k + and LVR ≤ 80%

% p.a.

% p.a.

Aggregate Borrowings less than $150k

% p.a.

% p.a.

Investor - Principal + Interest
Interest Rate
Comparison Rate

1 Year Fixed Rate

% p.a.

% p.a.

2 Year Fixed Rate

% p.a.

% p.a.

3 Year Fixed Rate

% p.a.

% p.a.

4 Year Fixed Rate

% p.a.

% p.a.

5 Year Fixed Rate

% p.a.

% p.a.

Investor - Interest Only
Interest Rate
Comparison Rate

1 Year Fixed Rate

% p.a.

% p.a.

2 Year Fixed Rate

% p.a.

% p.a.

3 Year Fixed Rate

% p.a.

% p.a.

4 Year Fixed Rate

% p.a.

% p.a.

5 Year Fixed Rate

% p.a.

% p.a.

For the curious:

Aggregate borrowing refers to total new residential ING borrowings, excluding commercial loans.

To be eligible for Orange Advantage & Mortgage Simplifier LVR Based interest rates, the following conditions apply:

  • Applications must be for a new loan with new security property to ING
  • The interest rate applicable is based on the capitalised LVR including any applicable LMI
Fixed loans

Fixed Rate Loans will revert to the current Mortgage Simplifier variable interest rate at the end of the fixed interest period.

Important points to note:

  • Where applicable LVR Based Interest Rates will apply.
  • The interest rate discount that will apply at the end of the fixed interest period will be outlined in the customer's loan documentation

For this to apply, the original loan amount, loan purpose and LVR must be eligible for LVR based interest rates at the time of application

Important information

Information and interest rates above are current as at the date of publication, and are subject to change. All applications for credit are subject to ING's credit approval criteria. Interest rate discounts for LVR 90% or less are available only for new to ING security property. If you apply to borrow more than 80% of the property value, you will be required to obtain Lenders Mortgage Insurance. This offer may be withdrawn at any time. Fees and charges apply. Details of these and the terms and conditions are available at ing.com.au or by calling 133 464.

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

WARNING: If you select a fixed rate loan, break costs may be payable if, at any time before the fixed rate expires, you (1) pay out your loan, make an additional payment of $10,000 or more, or you make additional payments totalling $10,000 or more in any one-year period (with the first one-year period starting on the first day of the fixed interest period), or (2) you ask us to make certain changes to your loan including but not limited to your loan type, your repayment type, your loan purpose, your fixed interest period, the security on your property, your approved loan amount, your loan term, the borrowers on your loan or any other change that requires your loan to be re-documented. You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances. Any additional payments or advanced funds are not available for redraw during the fixed interest period. There is no offset facility available on a fixed rate loan. The offset facility is only available on the Orange Advantage home loan account when linked to an Orange Everyday account.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to any of our products you, and your clients, should read the relevant Terms and Conditions booklet, available at our website or by calling 133 464. If you, or your clients, have a complaint, please call 133 464 at any time, as we have procedures in place to help resolve any issues you, or your client may have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

Forms

Below you can find a range of forms - these may be necessary throughout the home loan process.

Commonly used ING Home Loan Forms
Loan Application Form
New Loan Application Form now incorporating responsible lending questions
Identification Form (including video-based identification)
New ID form for the video verification of customers
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.
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.
Residential Loan Variation Request Form
To be used for existing borrowers who wish to vary their loan. You should only use this form where a variation involves a change to the security property, borrower details or multiple transactions
Fixed Rate Lock In Request Form
To lock-in a fixed term rate before settlement.
Delivery of Loan Documents (Interactive)
Customers can elect to have their ING loan documents emailed or posted to them or their broker. Please note: where a selection is not made, documents will be mailed to the customer's residential address.
Home Loan Review Form
To request for a Home Loan review
Change to Operating Authority Form
Authorised to operate your loan account and is applicable sign cheques drawn against your loan account
Change of Personal Details Form
To change the name of a borrower or address details
Changing Accounts Form
Change your Direct Debit Account or Nominated Accounts. To be signed by all borrowers and/or account holders
Company & Trust Appendix
To be completed when application involves a Company or a Trust
Director Guarantor Waiver Form
List of documents not to be sent to a Director Guarantor
Gift Policy Statutory Declaration
To be completed when evidencing a gift
Variation Cover Sheet
To be used when submitting supporting documents for variation applications
Loan Account Instructions Form (Company)
Operating instructions and authorised signatories for loan accounts
Loan Account Instructions Form (Personal)
Operating instructions and authorised persons for loan accounts
Principal Reduction Request Form
To reduce monthly payments following a principal repayment
Verifying your Identity Form
Australia Post land title identification form to be used if you are unable to identify a customer face to face
Loan Purpose Declaration form
To be used where customer wants to request a change to their loan purpose
Interest In Advance
ING provides you with option to pay Interest In Advanced for a 12 month period

Brochures

Here you can find a range of brochures, designed to help you and your clients gain a better understanding of the more complicated intricacies of the home loan process.

Home Loans Made Easy
A booklet for customers that outlines all our loans
Orange Advantage Flyer
A one page flyer outlining the key features of our 100% interest offset product, Orange Advantage
Pre Settlement Fees and Charges
Lists our fees pre settlement fees and charges
Post Settlement Fees and Charges
Lists our fees post settlement fees and charges
ING Terms and Conditions
ING Home Loans Terms and Conditions brochure, as at 1 November 2018.
Choose the loan that's right for you
Handy tips to help customers understand Interest only and Principal & Interest repayment options
Home and Contents Insurance
Offer your customers a better Home and Contents Insurance deal
Who Can Help Me?
ING contact points
Why Choose ING
A flyer outlining the key features of our residential lending product offering
First Home Buyer Guide
A handy guide outlining the basics and not-so-basic about home buying. Ideal for broker customers who are purchasing property for the first time
Upgraders Guide
Need help buying your next home?
Credit Guide
Things your customer should know read before they sign on the dotted line

Request a Key Facts Sheet

A Key Facts Sheet (KFS) is a fact sheet for standard home loan products, which is in a standard format.

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SM
MD
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