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ING Home Loans

Compare ING home loan rates for October 2020.


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On this page you can find information about ING home loans. Skip ahead to the full table of products or read more about the lender.

Compare ING interest rates

Here are rates for three ING mortgages. Hit the "Load more" button to see a bigger selection. Hitting "Go to site" will take you to ING's website, where you can leave your details and get in touch with a lending specialist from ING.

Data indicated here is updated regularly
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
ING Fixed Rate Home Loan - 2 Year Fixed Rate (Owner Occupier with Orange Advantage)
$299 p.a.
Owner-occupiers can enjoy a discounted fixed rate, a rate lock feature and the ability to make additional repayments.
ING Orange Advantage Loan - $150k to $500k (LVR ≤ 80% Investor, P&I)
$299 p.a.
Investors can enjoy a 100% offset account, a redraw facility and flexible repayments.
ING Orange Advantage Loan - $150,000 to $500,000 (LVR ≤ 80% Owner Occupier, P&I)
$299 p.a.
Get a 100% offset account and a competitive, variable interest rate, plus no application fee.

Compare up to 4 providers

ING lender profile

  • ING is the Australian branch of the ING Group, a Dutch multinational bank.
  • ING is an online lender, with no physical branches, meaning fewer costs to pass on to borrowers.
  • The company has held an Australian banking license since 1994 and has financed over 4750,000 mortgages.
  • ING also offers transactions and savings accounts, superannuation options and business products.

ING mortgage features

ING has a range of products that are aimed towards different segments of the market. Whatever your goals as a potential borrower, ING could have a loan to suit your needs. It offers loans for first home buyers, investors, those looking to refinance, and borrowers who want to consolidate their debts.

Deposit sizeYou can borrow up to 95% on some ING mortgages.
Offset accountThe ING Orange Advantage mortgage comes with a 100% offset account.
Split rateMost ING mortgages allow you to split your loan into fixed and variable portions.
Interest onlyThe Mortgage Simplifier and Orange Advantage loans both have interest only rates for investors and owner occupiers.
Additional benefitsING will waive international transaction fees if you also open an Orange Everyday bank account.

How do I apply for an ING mortgage?

You can learn more about a specific ING mortgage by clicking through to that product's review page. Clicking "Go to Site" on ING's comparison table will start your application process and redirect you through to their website.


Each ING home loan product will have its own unique qualifying criteria, however, there are some basics that will apply to all, which include the following.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.


During the application process for any home loans product from ING you will also be asked to provide certain information so it can be handy to have them ready before you apply. You will need to provide the following documents:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

Looking for more mortgage options?

More guides on Finder

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. A competitive variable rate loan from St.George. Refinancers borrowing $250,000 or more can get $4,000 cashback (Other terms, conditions and exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate

Take advantage of a low-fee mortgage with a special interest rate of just 2.49% p.a. and a 2.49% p.a. comparison rate.

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14 Responses

  1. Default Gravatar
    SuzanneJuly 30, 2019

    I would like to talk to someone about refinancing our home loans, how do i go about this?

    • Default Gravatar
      NikkiJuly 30, 2019

      Hi Suzanne,

      Thanks for getting in touch with Finder! It’s great to know you’re interested in a home loan with ING. To quickly know the steps on how to apply for an ING mortgage, please go to the part of the page above saying “How do I apply for an ING mortgage?” To get a quote and directly speak with them, click the GREEN GO TO SITE button that can be found inside the table that lists the types of mortgages ING offers on the first part of the page.

      As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps!


  2. Default Gravatar
    JimApril 4, 2018

    Does Ing have an investment home loan up to 90% LVR??

    • Avatarfinder Customer Care
      JoanneApril 4, 2018Staff

      Hi Jim,

      Thanks for reaching out.

      ING can lend up to 95% of the value of the property you wish to buy with some of their loans that you can find on the table above.
      Alternatively, you can speak with a mortgage broker for you to get specialised advise.


  3. Default Gravatar
    JodiAugust 2, 2014

    I have just renewed my fixed home loan for 2 more years, what is the fee amount for breaking my contract if I sell my house?

    • Avatarfinder Customer Care
      ShirleyAugust 4, 2014Staff

      Hi Jodi,

      Please contact ING Direct for an exact quote regarding your break costs.

      It is generally calculated using the following formula: The amount of principal remaining x the remaining term of the fixed interest period x the movement in ING Direct’s cost of funds.


  4. Default Gravatar
    barbaraJune 16, 2014

    I have been with ING for many years, love the savings account. Just wondering whether I would be eligible for a home loan based on the fact that I own a unit in Sydney ( Naremburn ) which is now valued at approx $600,000. I am currently studying and no longer earning an income as such, but have an allocated pension from my super of $763.00 per fortnight.Also receive a very small amount from Centrelink as Austudy. Would love to hear whether I have any options. Kindest Regards, Barbara

    • Avatarfinder Customer Care
      MarcJune 17, 2014Staff

      Hi Barbara,
      thanks for the question.

      Unfortunately ING DIRECT has their own unique lending criteria which is kept under wraps as is the case with every other bank and lender. I’d suggest contacting ING DIRECT directly to discuss your options with them rather than make an online application on online, as this will give you an opportunity to discuss your options in relation to your assets and income considerations. For more tips consult our guide on pensioners and home loans.

      I hope this helps,

  5. Default Gravatar
    AdamSeptember 17, 2013

    I would like to refinance my loan to make renovations and to have it ready for a head lease for two years at $450 a week?

    • Default Gravatar
      nadhemJune 15, 2014

      Hi dear sir. I have 80,000 cash deposit to buy a house to live in it.

    • Avatarfinder Customer Care
      ShirleyJune 16, 2014Staff

      Hi Nadhem,

      Thanks for your question.

      You compare home loans on this page to find the one that best suits you. Alternatively, you could speak to a mortgage broker.

      Our borrowing power calculator can also help along with our FHB guide.


    • Avatarfinder Customer Care
      ShirleySeptember 18, 2013Staff

      Hi Adam,

      Thanks for your comment.

      Directly enquiring with ING DIRECT will give you a better indication of what your repayments will be; you can do so by choosing the loan you would like to refinance to and click ‘enquire’ to be safely redirected to ING DIRECT.

      You can also use our repayment calculator for a rough estimate.

      Hope this helps,

    • Default Gravatar
      JulieOctober 19, 2013

      is there any account fee? what rate for variable offset account? my current variable rate is 4.98% with nab, but my friend told me that he got better offer from your bank.
      please call me

    • Avatarfinder Customer Care
      ShirleyOctober 21, 2013Staff

      Hi Julie,

      Thanks for your comment.

      The ING DIRECT Action Equity home loan doesn’t have an annual fee and there is no offset account available.

      You may want to compare our featured best home loans for a better interest rate.

      Hope this helps,

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