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Fixed Rate Home Loan

Fixed Rate Loan

Love a great rate and even greater service?

Start application

or Call 1800 100 258 now to apply

Fixed Rate Home Loan

Fixed interest rate home loans for terms of one to five years.

Features

Why apply for a Fixed Rate Home Loan?

  • Repayment certainty

    Know exactly what your repayments will be, and you can fix your rate for up to five years.

  • Fixed interest rate discount

    Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan, a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates.

  • Pay no ongoing fees

    There are no monthly, annual or transaction fees, and it's free to make additional repayments (less than $10,000 per settlement anniversary).

  • Interest rate discounts

    Interest rate discounts may be available when your loan reverts to our variable rate Mortgage Simplifier home loan.

  • Use ATMs for free

    Withdraw funds from any ATM in Australia for free when you have both an Orange Everyday transaction account and any ING home loan.

  • Fixed rate lock in

    You can protect yourself from the possibility of rising interest rates by locking in the advertised rate for up to 90 days prior to settlement. A one-off fee applies.

  • Tools and dedicated support when needed

    Online tools and home loan specialists that can help you every step of the way.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Rates and fees

Interest rates

Take advantage of our competitive fixed rates.

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

Owner Occupiers
LVR (including any LMI applicable)
Interest rate
Comparison rate

1 year

2 year

3 year

4 year

5 year

Owner Occupiers with Orange Advantage
LVR (including any LMI applicable)
Interest rate
Comparison rate

1 year

2 year

3 year

4 year

5 year

Investors
LVR (including any LMI applicable)
Interest rate
Comparison rate

1 year

2 year

3 year

4 year

5 year

Fees and charges

When you split Orange Advantage Home loan with a fixed rate loan, the $499 application fee is waived

If you choose the fixed rate lock-in feature to lock in the rate a fee of $749 applies.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Tools and calculators
FAQs

Got a question about our Fixed Rate Home Loan?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

We've made our mobile banking app so easy to use, you won't even have to think. Try it now and change the way you bank.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
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

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.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).