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ING Home Loans

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Variable rate

5.84% p.a.

Comparison rate

5.86% p.a.

Offer critera and disclaimer

    Mortgage Simplifier
  • Unlimited additional repayments
  • Redraw facility
  • Pay off your home loan and save at the same time with
  • Everyday Round Up
  • Looking for something different? Explore our home loans range below.

How much can I borrow?

In only two minutes you could check your borrowing power.

Get help choosing a home loan

Try our simple home loan selector to find the loan that's best for you.

Ready to apply or want pre-approval?

Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).

How to get started

How to apply for a home loan

1. Starting out

It only takes 10 minutes to get started online, or you can call 1800 100 258 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.

Help when you need it

Home ownership help when you need it

We're here to guide you no matter what stage of home ownership you're at

Buying your first home

Don't know where to start? We can take you through it step by step.


Investing in property

Things you need to know when you're climbing the property investment ladder.


Refinancing your home loan

Explore the potential savings and advantages of switching your loan.


Buying your next home

From finding something bigger, to living somewhere new, these tips will help you plan your next move.

Buying your next home

Managing your home loan

Find out all the ways your home loan could work harder for you.

Managing my loan

Apply for a loan with Australia's most recommended bank

No matter whether you're buying or refinancing, you can apply online or talk to one of our home loan specialists.

How to apply
Our home loan reviews

Our home loan reviews

“Being able to call them and deal with professional people over the phone makes all the difference. My first home loan, second and third investment loans have been with ING.”

Tim B, NSW

“When I got my mortgage with them, my adviser was really responsive and helpful and the process went really smoothly.”

Charlotte H, QLD

Why set up house with ING

Why should I get a home loan with ING?

Australia's most recommended bank

Proudly and continuously ranked as Australia's most recommended bank.

Save on the everyday

Just add Orange Everyday to your home loan, and you could save on fees with 1% cashback on eligible utility bills (T&Cs apply) and $0 ING international transaction fees when you shop online and overseas.

ING Everyday Round Upfor home loans

Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Mortgage Simplifier or Orange Advantage home loan.

Home & Contents insurance

Breathe easier and save 30% on your first year’s premium when you purchase a combined Home and Contents Insurance policy online. T&Cs apply - see disclaimer.