ING Home Loans Rates & Fees Comparison 2021 | Finder

ING Home Loans

Compare ING home loan rates for April 2021.

ING

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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 updated regularly
$
years
Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
ING Fixed Rate Home Loan
2.19%
3.79%
$0
$299 p.a.
95%
$569.91
Owner-occupiers can enjoy a discounted fixed rate, a rate lock feature and the ability to make additional repayments.
ING Orange Advantage Loan
2.69%
3.03%
$0
$299 p.a.
80%
$608.71
Investors can enjoy a 100% offset account, a redraw facility and flexible repayments.
ING Fixed Rate Home Loan
2.09%
3.77%
$0
$0 p.a.
80%
$562.33
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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.

FeatureDetails
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.

Eligibility

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.

Documents

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

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14 Responses

    Default Gravatar
    SuzanneJuly 30, 2019

    Hi
    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!

      Best,
      Nikki

    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. You can press the “More info” link to be redirected to our review page and learn more about the loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, simply head to ING’s website to proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions. Alternatively, you can speak to a mortgage broker who can take your personal circumstance into account and offer you a range of borrowing options.

      Cheers,
      Joanne

    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.

      Cheers,
      Shirley

    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.

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

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      I hope this helps,
      Marc.

    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 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 first homebuyers guide.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Cheers,
      Shirley

      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,
      Shirley

      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 does not 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.

      I also recommend getting in touch with a licensed mortgage broker. A broker can help you understand your financial position and they can leverage their panel of networks to find a lender that is more inclined to review your application.

      Hope this helps,
      Shirley

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