Fixed rate loan offer

1.99% p.a.

4 year fixed rate

3.43% p.a.

Comparison Rate

On Owner Occupied Fixed Rate Home Loans (principal & interest) that are combined with a variable rate Orange Advantage home loan. Loan to Value Ratio (LVR) ≤ 80%. Fees and charges, including a $299 annual fee, apply. Must settle by 31 March 2021.
Rate Offer Terms and Conditions and Comparison Rate warning.

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ING Personal Loan

Low fixed rate of % p.a.
(comparison rate % p.a.).

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Financial Support

Need Financial Support with your Home Loan, Personal Loan or Credit Card?

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Business customers

You may be eligible to defer your commercial loan repayments for up to 6 months.

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See how ING can help you

Learn more in this quick and easy guide to banking with ING.

Easy access to everyday banking with great benefits.

Don't overcomplicate your everyday banking. With Orange Everyday and Savings Maximiser the choice is yours on how you want to pay. Here's how ING could help.

EVERYDAY BANKING

Orange Everyday

Get no monthly fees and when you deposit $1,000 or more per month and make 5+ card purchases that are settled (not pending) each month, Orange Everyday gives back the following:

Free ATMs in Australia - and for ATMs around the world, we’ll rebate the ATM fee within 5 days.

Shop online and overseas and pay no ING international transaction fees.

Learn more about Orange Everyday

SAVINGS ACCOUNT

Savings Maximiser

Available when customers deposit $1,000+ per month (such as their pay), make 5+ card purchases that are settled (not pending) Additionally from 1st March 2021, grow their nominated Savings Maximiser balance to get these benefits the following calendar month:

Earn up to % p.a. variable interest on one nominated Savings Maximiser account for balances up to $100,000 (when you also have an Orange Everyday)

Learn more about Savings Maximiser

See all savings products

Life is full of surprises. An ING Personal Loan isn't.

Get a low fixed rate of % p.a. (comparison rate % p.a.), no ongoing monthly or annual fees, and no early repayment fees.

PERSONAL LOANS

ING Personal Loan

We'll waive the $100 personal loan establishment fee when you have an active Orange Everyday at the time of application or request to open an Orange Everyday account with your ING Personal Loan to receive loan funds.

Learn more about ING Personal Loan

EVERYDAY BANKING

Orange Everyday

Get no monthly fees. And when you deposit your pay of $1000+ and make 5+ card purchases that are settled (not pending) each month, Orange Everyday gives back the following:

Free ATMs in Australia - and for ATMs around the world, we'll rebate the ATM fee within 5 days.

Shop online and overseas and pay no ING international transaction fees.

Learn more about Orange Everyday

Reach your savings goals faster.

By taking out our Savings Maximiser and Orange Everyday accounts, you could tap into many benefits.

SAVINGS ACCOUNT

Savings Maximiser

Earn up to % p.a. variable interest on one nominated Savings Maximiser account for balances up to $100,000 (when you also have an Orange Everyday)

Learn more about Savings Maximiser

See all savings products

EVERYDAY BANKING

Orange Everyday

Get no monthly fees and when you deposit $1,000 or more per month and make 5+ card purchases that are settled (not pending) each month, Orange Everyday gives back the following:

Free ATMs in Australia - and for ATMs around the world, we’ll rebate the ATM fee within 5 days.

Shop online and overseas and pay no ING international transaction fees.

Learn more about Orange Everyday

We're here to make your next move easier

Make the process of buying a house or re-financing simpler with a straightforward, easy-to-understand home loan. Then save yourself the insurance run-around and money by keeping everything under one roof. Here's how ING can help.

HOME LOAN

The best place for your home

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

Your own home loan specialist will be there to help you, every step of the way.

Online calculators that help you estimate your borrowing power, repayments and offset savings.

Low variable and fixed interest rates with split loan options.

Compare our home loans

INSURANCE

HOME AND CONTENTS INSURANCE

Protect what you love with Combined Home and Contents Insurance. Save up to 30% on your first year's base premium online.

Choose the cover that's right for you - home, contents, home and contents or optional covers.

Relax with new for old replacement – cover for fire, storm, theft and a $20 million legal liability cover. See the PDS for full details.

Make claims 24/7 online or over the phone.

Learn more about Home and Contents Insurance

Make your money work harder.

Save for the future and grow your wealth with options that could deliver long-term benefits. Here's how ING could help.

SUPERANNUATION

Living Super

Save more over the long term for your retirement lifestyle with our simple super solution.

Learn more about Living Super

SAVINGS ACCOUNT

Savings Maximiser

Earn up to % p.a. variable interest on one nominated Savings Maximiser account for balances up to $100,000 (when you also have an Orange Everyday)

Learn more about Savings Maximiser

See all savings accounts

Specialists in business deposits and commercial lending.

Competitive rates on term deposits, high variable interest savings, and commercial property loans.

Business Savings

Business Optimiser

High variable interest business savings account with 24/7 access.

Learn more about Business Optimiser

See all Business savings account

Commercial Loans

Dedicated support

If you require more than $500,000 for a commercial property, our specialist team can assist you with experience gained over 25 years in the real estate market. Funding options include:

Variable or Fixed term loans

Financing traditional investments in real estate, such as commercial, industrial, retail or multi-unit residential property

Development and construction projects

Learn more about Commercial Loans

Bank & Save

Easy access to everyday banking with great benefits. Savings accounts with competitive interest rates, no ING fees and rewards for saving with us.

Orange Everyday

Orange Everyday Youth

Savings Maximiser

See all savings accounts

Business Optimiser

More business products

Credit cards

Credit cards with practical features like autopay and instalments to help you stay on top of your finances.

Orange One Low Rate

Orange One Rewards Platinum

All credit cards

Personal Loans

ING Personal Loan with a low fixed interest rate gives you certainty in your repayments - plus no early repayment fees, and no ongoing monthly or annual fees.

ING Personal Loan

Home loans

Home Loans

Simple to understand home loans with competitive rates, fee options and special offers.

Orange Advantage

Fixed Rate Loans

See all home loans

Insurance

Protect what you love and save on your first year’s base premium online - up to 30% with ING combined Home and Contents Insurance, plus up to 15% with ING Car Insurance, ING Motorcycle Insurance and ING Travel Insurance.

ING Home and Contents Insurance

ING Car Insurance

ING Travel Insurance

ING Motorcycle Insurance

Superannuation

Great value super and retirement solutions for all life stages.

Living Super

SMSF Cash

SMSF Term Deposits

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Are you struggling financially?

If times are unexpectedly tight, you may qualify for temporary relief. We'll do what we can to help.

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Access your banking where and when you like

Fast, convenient and secure. Whichever way you like to do your banking, we've got you covered. If you have a disability, see how we make banking more accessible for you.

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Banking Code of Practice

The Banking Code of Practice is a set of commitments made to our customers, developed by the banks in collaboration with the Australian Banking Association.

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Financial support

If you are experiencing financial difficulty or difficult personal circumstances, find out how we can help.

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Access your banking where and when you like

Fast, convenient and secure. Whichever way you like to do your banking, we've got you covered. If you have a disability, see how we make banking more accessible for you.

Find out more

Banking Code of Practice

The Banking Code of Practice is a set of commitments made to our customers, developed by the banks in collaboration with the Australian Banking Association.

Find out more

Important Information

Information and interest rates 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. Fees and charges apply. 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 our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133 464. To view these documents you may need Adobe Acrobat. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you 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.

Orange One Rewards Platinum 1% cashback

Where you hold an active Orange One Rewards Platinum Credit Card Account and an active linked Orange Everyday Account (i.e. not been suspended or closed), you can earn 1% cashback up to a maximum cashback entitlement of $30 per month per Account when you make eligible purchases^ on your Orange One Rewards Platinum Credit Card. The cashback entitlement will be calculated monthly and will be paid to your linked ING Orange Everyday Account one calendar day after the date you are required to make your minimum monthly credit card repayment. The cashback does not reduce your minimum monthly credit card repayment obligations.

^Eligible purchases include card purchases made in store or online, EFTPOS purchases, payWave and Apple Pay transactions made with Orange One Rewards Platinum Visa card, but excludes:

- Cash transactions (including cash withdrawals from an ATM or over the counter at a bank or cash provider, pseudo cash transactions e.g. gambling, mobile phone top ups and foreign currency and travellers cheques), interest, default charges, insurance premiums and other fees and charges debited to your Orange One Rewards Platinum Account.
- Amounts re-credited or refunded. Any purchases refunded will be removed from the calculation for the cashback;
- Any transactions made which result in spending that exceeds the credit limit in any one month; and
- BPay transactions.

We may vary any of these terms and conditions or withdraw this cashback offer at any time.
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of 74 High Street, Toowong QLD 4066 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW2000 has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) of 60 Margaret Street, Sydney, NSW 2000 which allows eligible ING cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Excesses may apply. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. ING does not guarantee this insurance.

Home loans

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new ING security property and borrowings. All rates and information are correct at time of publication and are subject to change. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available at ing.com.au or by calling 133 464. All features are not available for every type of loan. 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. With an Orange Advantage home loan, a non-refundable annual fee applies (refer to the Orange Advantage Post-Settlement fees and charges located here for more information); and 100% interest offset when linked to our Orange Everyday transaction account and you make a deposit into this account. 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. 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 our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133 464. 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. ING recommends you seek independent financial or taxation advice where appropriate.

ING Property Reports

Property reports are prepared by Core Logic. The statements, information and opinions contained in those reports are those of Core Logic only, and ING does not endorse or accept any liability for them. The ING Property Report is available to customers who provide their contact details for ING to contact them about products and services.

Personal loans

The comparison rate for the ING Personal Loan is based on an unsecured loan of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Rebate Offers for Orange Everyday Customers

The Global ATM Rebate Offer and the International Transaction Fee Rebate Offer will apply for the next calendar month when you perform the following during the current calendar month:
- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
- also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.

If eligible:
- for ATMs in Australia – any ATM fee charged by the ATM operator is rebated immediately following the transaction,
- for ATMs outside Australia – ING will rebate the International ATM withdrawal fee of $2.50 immediately after it is charged and rebate any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Australia can take up to 5 business days to finalise, and
- for ING international transaction fees – ING will rebate the International Transaction fee of 2.5% of the amount of the international transaction immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

If eligible, the offer applies to all accounts held in your name (either single or joint account).

This offer may be changed or withdrawn at any time at ING's sole discretion.

Orange Everyday Youth

All Orange Everyday Youth accounts will receive the Global ATM Rebate Offer and the International Transaction Fee Rebate Offer. This means that:

- for ATMs in Australia – any ATM fee charged by the ATM operator is paid back to you immediately following the transaction,
- for ATMs outside Australia:
- ING will pay back the International ATM withdrawal fee of $2.50 immediately after it is charged, and

- ING will pay back any ATM fee charged by the ATM operator when your transaction is finalised (settled). While a transaction is pending, the amount of ATM operator fee will be deducted from your available balance and will be paid back to you after the transaction is finalised (settled). ATM transactions made outside Australia can take up to 5 business days to finalise, so that means it can take up to 5 business days for us to pay back overseas ATM fees to you, and
- for ING international transaction fees – ING will pay back the International Transaction fee of 2.5% of the amount of the international transaction immediately after it is charged. The person you're buying things from may charge you a separate fee for their services (which we will not pay back to you under this offer).

This offer may be changed or withdrawn at any time at ING's sole discretion.

Orange Everyday Youth is an account for individuals who are 15 to 17 years old. Joint accounts and overdrafts are not available for Orange Everyday Youth. This information has been prepared without taking account your personal circumstances, financial situation or needs. Read the Orange Everyday Terms and Conditions and Fees & Limits Schedule, and the Savings Maximiser Terms and Conditions, available at ing.com.au, and consider if it is right for you. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Orange Everyday Youth and Savings Maximiser is issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823

Savings Maximiser

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

The additional variable rate currently % p.a. (that is added to the Savings Maximiser standard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following:

- Current Eligibility Criteria:

- deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and
- also make at least 5 card purchases^ that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions).

- Eligibility Criteria Effective 1 March 2021:

- in addition to the Current Eligibility Criteria, from 1 March 2021 you must also ensure that the balance of your nominated Savings Maximiser account at the end of the month (excluding interest) is higher than it was at the end of the previous month.

Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking or by calling us on 133 464. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by ING at its sole discretion.

Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING can change or withdraw the additional variable rate at any time. The additional variable rate is not payable in conjunction with any other promotional rate.

^Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month.

When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders.

Rebate Offers for ING Home Loan Customers

For as long as you hold an ING home loan, you'll receive the following benefits on your Orange Everyday and Orange One accounts:
- for ATMs in Australia - any ATM fee charged by the ATM operator is rebated immediately following the transaction,
- for ATMs outside Australia - ING will rebate the International ATM withdrawal fee of $2.50 immediately after it is charged and rebate any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Australia can take up to 5 business days to finalise, and
- for ING international transaction fees – ING will rebate the International Transaction fee (Orange Everyday) and Foreign Currency Conversion fee (Orange One) of 2.5% of the amount of the international transaction immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer).

If eligible, the benefits apply to:
- all Orange Everyday accounts held in your name (either single or joint account), and
- all Orange One accounts held in your name (including in respect of any additional cardholder).

This offer may be changed or withdrawn at any time at ING's sole discretion. The ING cash advance fee for Orange One customers is not rebated under this offer.

Insurance

ING Insurance (Home & Contents, Car, Motorcycle and Travel) 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). An ING Insurance 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. ING will receive a commission from AGS for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.

ING Insurance is 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. For Car Insurance, vehicle details are checked against information available on Red Book. For Motorcycle Insurance, vehicle details are checked against information available on Glass' Guide .

This is general information only, and does not take into account your particular objectives, financial situation or needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Product Disclosure Statement, Financial Services Guide, Key Fact Sheets (Home and Contents Insurance Only), Premium Excess & Discount Guideline (PED) (Car Insurance Only), Roadside Assistance Terms and Conditions (Car Insurance Only) and the ING Customer Eligibility and Name-Screening document available at ing.com.au, and consider if an ING Insurance product is right for you before deciding to purchase or continue to hold the product.

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 premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

DISCOUNTS: Discount applies to the first year’s base premium paid for an ING Insurance policy purchased online for approved applicants only. Discounts do not apply to any renewal offer of insurance. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted. We reserve the right to change the offer without notice. The discount applies accordingly:

ING Home and Contents Insurance: : up to 30% discount on combined Home & Contents Insurance, up to 15% for Home only or Contents only policies.

ING Car Insurance: up to 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car Insurance policies.

ING Motorcycle Insurance: up to 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Motorcycle Insurance policies.

ING Travel Insurance: up to 15% discount on Annual Multi-Trip, Comprehensive, Essential, Last Minute and Domestic travel insurance policies.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. The Apple Pay Terms and Conditions for ING customers are available to consider when setting up Apple Pay on your eligible device.

32,000 ATMs according to Australian Payment Networks transaction statistics on ATM Terminals June 2017.

ING is Australia's most recommended bank according to RFi XPRT Survey, June - November 20 (n = 31,509) when compared to customers of 20 other banks operating in Australia.

Source: Galaxy research (January 2018) commissioned for ING suggests Aussies who purchased something from international online retailers in 2017 have collectively paid as much as $166M in bankcard transaction fees (n=1,001).

ING Bank Australia Limited ABN 24 000 893 292.

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Life is full of surprises. An ING Personal Loan isn't.

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Reach your savings goals faster.

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We're here to make your next move easier

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