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  1. Home
  2. Home Loans

Home Loans. The latest way to apply and buy.

1.84 % p.a.

2 year fixed rate

3.73 % p.a.

Comparison Rate

ING 2 year Fixed Rate Home Loan

On Owner Occupied Fixed Rate Home Loans (principal & interest) that are combined with an owner occupied variable rate Orange Advantage home loan. Loan to Value Ratio (LVR) ≤ 80%. Rate includes a 0.10% p.a. discount off the stand alone fixed interest rate for owner occupiers. Fees and charges, including a $299 annual fee, apply. Comparison Rate warning.

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Important: Interest Only repayments are not currently available on any of our Owner Occupied fixed rate loans.

The variable rates above include a discount that is applied to the relevant reference rate. These variable and fixed rates are only available for new ING security property and borrowings and are subject to change.

Loan to Value Ratio, commonly referred to as LVR is the amount of money we will lend you in comparison to the property value. The LVR is expressed as a percentage and is determined using ING's credit approval criteria.

How much can I borrow?

In only two minutes you could check your borrowing power.

Calculate now

Get help choosing a home loan

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

Start now

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).

Start application
How to get started

Applying 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.

How much can I borrow?

In only two minutes you could check your borrowing power.

Calculate now

Get help choosing a home loan

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

Start now

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).

Start application
Help when you need it

Help when you need it

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

Your first home

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

Learn more

Investing in property

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

Learn more

Refinancing your home loan

Explore the potential savings and advantages of switching your loan.

Learn more

Buying your next home

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

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Managing your home loan

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

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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.

Learn more
What our customers say

What our customers say

“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 set up house 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’ll get free ATMs across Australia, a rebate on fees from any ATM worldwide within 5 business days, and we’ll also rebate our ING international transaction fees.

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.

Discounts on your Home & Contents insurance

Breathe easier and save 30% on new policies when you combine home with contents insurance online.