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Competitive rates

are just the tip

of the perksberg!

Get started online

Mortgage Simplifier

Variable rate
X.XX
Comparison rate
X.XX
  • 1% cashback on eligible utility bills with your Orange Everyday linked account.
  • No Ongoing monthly fees (other fees may apply)
  • Four years running as Canstar Bank of the Year
do your thing

Your ING Home Loan journey.

1
Starting out

It only takes 10 minutes to get started online, or you can call 1800 267 809 to speak with a home loan specialist.

2
Staying informed

As your application progresses, we keep you updated via online tracking, SMS and email.

3
Getting a hand

For questions and help, our home loan specialists are here for you from application to settlement.

Get started Call our Home Loan Specialists today

Or call our Home Loan Specialists today on 1800 267 809

Join Australia's Most Recommended Bank.

From first timers to veteran buyers, we can help you achieve your property goals.

Purpose:

Total borrowings:

Min borrowing amount is $50,000

Deposit:

Repayment type:

Frequency:

Loan term:

  • Purpose:
  • Total Borrowings:
  • Deposit:
  • To live in
  • $500K - $1Million
  • 20% or more

Mortgage Simplifier

No ongoing fees & variable rate

Variable rate

Comparison rate

/Monthly repayments 

Based on a 30 year $500,000 loan paying P&I.

Orange Advantage

100% interest offset facility & variable rate

Variable rate

Comparison rate

/Monthly repayments 

Based on a 30 year $500,000 loan paying P&I.

Fixed Rate Loan

Repayment certainty & fixed rate

Important: Fixed Rate loans are not currently available for investment purposes where the deposit is less than 20%.

Special Offer Special Offer Special Offer

4YR fixed rate

Comparison rate

/Monthly repayments 

For the fixed interest period 30 year $500,000 loan paying P&I.

CANSTAR - Bank of the Year 2023

Awarded Canstar Bank of the Year. Again.

Canstar has awarded ING Bank of the Year 2023 for the fourth year running, recognising the outstanding value ING offers across all our products and services.

Ready to apply or want pre approval?

Start your application online or call us on 1800 267 809, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).

Get started

How to guides, hints, tips and tricks!

First Home Buyers

Find out more

Investors

Find out more

Refinancing

Find out more

Information and interest rates are current as at the date of publication and are subject to change.

This information does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Before making any decision in relation to our products, you should read the relevant Terms and Conditions booklet and Fees & Limits Schedule available at ing.com.au issued by ING Bank (Australia). ING recommends you seek independent financial or taxation advice where appropriate.

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.

Orange Everyday and Orange One Account Benefits for ING Home Loan Customers

If you hold an ING home loan, you'll automatically be eligible for the following benefits on all Orange Everyday accounts held in your name (either single or joint account) and Orange One accounts held in your name:

Orange Everyday account benefits:

  • 1% cashback on eligible utility bill payments (up to $100 per financial year);
  • Unlimited rebates on the ING International Transaction Fee; and
  • Rebates on the ATM withdrawal fees for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

Orange One account benefits:

  • Unlimited rebates on the ING International Transaction Fee; and
  • Rebates on the ATM withdrawal fees for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

Merchants may charge you a separate fee for their services (which is not rebated under these offers).

The ING cash advance fee for Orange One customers is not rebated under this offer.

An eligible utility bill payment is a payment made by BPAY or direct debit (BSB and account number) or PayTo (when available) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.

ING may change or cancel these benefits at any time with notice.

For more information see the:

ING is Australia's most recommended bank according to RFI Global's XPRT Survey, December 2022 - July 2023 (n = 31,805) when compared to customers of 20 other banks operating in Australia.

Home and Contents Insurance

ING Home & Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS. ING is a business name of ING Bank (Australia) Ltd (ING).

Any policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or its related bodies corporate. Subject to AGS' underwriting and ING's Customer Eligibility and Name-Screening Assessment. Home & Contents Insurance is not available in NT, North QLD or Northern WA.

This is general information only, and does not take into account your particular objectives, financial situation or needs. You should read the Key Facts Sheets (Home and Contents), Target Market Determination, Product Disclosure Statement (Part A and Part B), ING Customer Eligibility and Name-Screening document and ING's Financial Services Guide available at ing.com.au and consider if it's right for you before deciding to purchase or continue to hold this product.

ING will receive a commission from AGS for each policy purchased which is a percentage of your premium. For further details see our Financial Services Guide.

The price we quote is at the insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base rate premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS: Discounts apply to the premium paid for a new ING Insurance policy initiated online on or after 30 March 2017 for approved applicants only. The discount applies accordingly: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only policies. We reserve the right to change the offer without notice. The discount does not apply to any renewal offer of insurance. The discount offer applies only to the premium for an insurance product. It does not apply to the fees that we may charge you (these are described in our Financial Services Guide).

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 should read the relevant Terms and Conditions booklet and Fees and Limits Schedule available under our Documents & Forms page. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

Questions? Call: 1800 267 809