How can we help?
Popular searches

Compare ING home loans

Compare our home loan rates and features to find the package that works for you. Call us on 1800 100 258 to speak with one of our Home Loan Specialists. We can help you find the right home loan to suit your needs.

For those who want 100% offset to pay off their home loan as quickly as possible.

For those who want a simple, easy to use home loan, with no ongoing monthly or annual fees.

For those who want to protect against rising rates and control repayment.


Rate type

Variable interest rate

Variable interest rate

Fixed interest rate

Split Loan

Plus access to our reduced owner occupied Fixed Rate home loans when combined with an owner occupied Orange Advantage.

Principal and Interest and Interest Only options

Available for Owner Occupiers and Investors

Ongoing monthly or annual fees

For details of other fees that may apply, see here.

$299 annual fee

Unlimited additional repayments at no cost

Up to $10,000 per anniversary year can be paid into the account without incurring break cost fees (see below for details)

100% offset facility

Unlimited redraws

Access features like top ups

No switch fees or variation fees

Discharge and other fees may still apply

Maximum Loan Term

30 years

30 years

1-5 year fixed rate options available at a time for up to 30 years.

* Per year is defined as from anniversary date of settlement to the day before the following anniversary date. 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.

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.