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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Orange Advantage

Total borrowings $1,000,000+ and LVR is 80% or less

% p.a.

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Total borrowings $500,000 to $999,999 and LVR is 80% or less

% p.a.

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Total borrowings $150,000 to $499,999 and LVR is 80% or less

% p.a.

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Total borrowings $150,000+ and LVR is 80.01% to 90% (incl. LMI)

% p.a.

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Total borrowings $150,000+ and LVR is 90.01% to 95% (incl. LMI)

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Total borrowings $50,000 to $149,999 and LVR is 80% or less

% p.a.

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Total borrowings $1,000,000+ and LVR is 80% or less

% p.a.

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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

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Total borrowings $50,000 to $149,999 and LVR is 80% or less

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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.

Mortgage Simplifier

Total borrowings $1,000,000+ and LVR is 80% or less

% p.a.

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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.

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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)

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Total borrowings $50,000 to $149,999 and LVR is 80% or less

% p.a.

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Total borrowings $1,000,000+ and LVR is 80% or less

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Total borrowings $500,000 to $999,999 and LVR is 80% or less

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% 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.

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.

Fixed rate loans

Fees and charges, including an Orange Advantage annual fee apply.

1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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Fees and charges, including an Orange Advantage annual fee apply.

1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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Fees and charges, including an Orange Advantage annual fee apply.

1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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Fees and charges, including an Orange Advantage annual fee apply.

1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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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.

rest of the table

Orange Advantage

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.

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.

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.

Mortgage Simplifier

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.

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.

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.

Fixed rate loans

1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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4 Year Fixed Rate

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5 Year Fixed Rate

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1 Year Fixed Rate

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2 Year Fixed Rate

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3 Year Fixed Rate

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% p.a.

4 Year Fixed Rate

% p.a.

% p.a.

5 Year Fixed Rate

% p.a.

% p.a.

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:

- 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 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

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.

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.

Other useful ING Home Loan forms

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

Orange Advantage - Target Market Determination

Target Market Determination

Mortgage Simplifier - Target Market Determination

Target Market Determination

Fixed Rate Home Loan - Target Market Determination

Target Market Determination

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.

Why Choose ING

A flyer outlining the key features of our residential lending product offering

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

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

Credit Guide

Things your customer should know read before they sign on the dotted line

2,500 more reasons to refinance with ING

A flyer outlining our Environmental Rating Cashback for Refinance

1,500 more reasons to buy a home with ING

A flyer outlining our Environmental Rating Cashback for Purchase

Home Loan Environmental Rating Cashback Terms and Conditions

A flyer outlining the terms and conditions of our Environmental Rating Cashback

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.

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