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Best mortgage?

Find the mortgage that best suits your needs

How do I find the best lender and mortgage for me? Most mortgage lenders in Australia offer the following home loans.

Honeymoon rate mortgage

These mortgages discount the introductory mortgage rates – after a certain time – usually 6 to 12 months – they revert back to the variable rate mortgage. The best advice with these is to look at the mortgage interest rate after the honeymoon is over.

Basic variable rate mortgage

This mortgage gives you a lower rate than the standard variable rate, but some features are not available – or you may need to pay extra for them.

Find out more about ING DIRECT's Mortgage Simplifier

Standard variable rate mortgage

These mortgages generally have a higher rate than the basic variable rate, but with more features with either lower fees or none at all.

Fixed interest mortgage

You can protect yourself from interest rate rises by fixing repayments and know exactly what your repayments will be. If you need certainty in life a fixed rate mortgage may help you get the best night sleep! These mortgages usually revert to a standard variable rate home loan after the nominated fixed term ends.

Find out more about ING DIRECT's Fixed Rate Home Loans

Line of credit

This is a mortgage where you borrow to a ceiling amount, and you can pay down and draw back up to that ceiling amount.

Find out more about our Smart Home Loan or Action Equity Home Loan.

Mortgage offset

This is a mortgage where deposits in your regular transaction account offset the interest of your mortgage. This home loan is useful if you want to pay your home loan sooner.

Find out more about ING DIRECT's Orange Advantage.

Here's a tip, when comparing different home loans and interest rates, using comparison rates to compare different home loans can help you because the comparison rate takes into account fees and other costs associated with the home loan, not just the interest rates. It also takes into account what the home loan will revert to if it has a honeymoon rate or a Fixed Rate Home Loan.

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