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.
A low variable interest rate home loan with no ongoing monthly or annual fees.
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Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings $1,000,000+ and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $500,000 to $999,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $150,000 to $499,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $150,000+ and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
Total borrowings $150,000+ and LVR is 90.01% to 95% (incl. LMI)
% p.a.
% p.a.
Total borrowings $50,000 to $149,999 and LVR is 80% or less
% p.a.
% p.a.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings $1,000,000+ and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $500,000 to $999,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $150,000 to $499,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $50,000 to $149,999 and LVR is 80% or less
% p.a.
% p.a.
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate helps you estimate the true cost of a home loan. It's a percentage that combines a loan's interest rate with most of the upfront and ongoing fees you can expect to pay so you can compare the costs of home loan products offered by different lenders.
Total borrowings: Includes the total amount borrowed per application.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings $1,000,000+ and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $500,000 to $999,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $150,000 to $499,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $150,000+ and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
Total borrowings $150,000+ and LVR is 90.01% to 95% (incl. LMI)
% p.a.
% p.a.
Total borrowings $50,000 to $149,999 and LVR is 80% or less
% p.a.
% p.a.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings $1,000,000+ and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $500,000 to $999,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $150,000 to $499,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $50,000 to $149,999 and LVR is 80% or less
% p.a.
% p.a.
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate helps you estimate the true cost of a home loan. It's a percentage that combines a loan's interest rate with most of the upfront and ongoing fees you can expect to pay so you can compare the costs of home loan products offered by different lenders.
Total borrowings: Includes the total amount borrowed per application.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
These fixed rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate helps you estimate the true cost of a home loan. It's a percentage that combines a loan's interest rate with most of the upfront and ongoing fees you can expect to pay so you can compare the costs of home loan products offered by different lenders.
Total borrowings: Includes the total amount borrowed per application.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings $150,000+ and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $50,000 to $149,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $149,999 to $500,000 and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
Total borrowings $500,000+ and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings $150,000+ and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $50,000 to $149,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $149,999 to $500,000 and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
Total borrowings $500,000+ and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate helps you estimate the true cost of a home loan. It's a percentage that combines a loan's interest rate with most of the upfront and ongoing fees you can expect to pay so you can compare the costs of home loan products offered by different lenders.
Total borrowings: Includes the total amount borrowed per application.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings $150,000+ and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $50,000 to $149,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $149,999 to $500,000 and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
Total borrowings $500,000+ and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings $150,000+ and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $50,000 to $149,999 and LVR is 80% or less
% p.a.
% p.a.
Total borrowings $149,999 to $500,000 and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
Total borrowings $500,000+ and LVR is 80.01% to 90% (incl. LMI)
% p.a.
% p.a.
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate helps you estimate the true cost of a home loan. It's a percentage that combines a loan's interest rate with most of the upfront and ongoing fees you can expect to pay so you can compare the costs of home loan products offered by different lenders.
Total borrowings: Includes the total amount borrowed per application.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Comparison rate: The comparison rate is based on a home loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different 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.
These fixed rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate helps you estimate the true cost of a home loan. It's a percentage that combines a loan's interest rate with most of the upfront and ongoing fees you can expect to pay so you can compare the costs of home loan products offered by different lenders.
Total borrowings: Includes the total amount borrowed per application.
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:
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:
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
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.
Below you can find a range of forms - these may be necessary throughout the home loan process.
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.
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.
