
If you don't find your answer here, get in touch with our Australia-based customer care specialists.
133 464Get ahead or stay that way with an ING savings account.
High variable interest rate. With competitive ongoing rates, all your money goes towards your savings goals.
High interest rate guaranteed for the term. You choose the timeframe.
Tiered savings account with higher variable interest rates for balances starting at $50,000.
Straightforward banking for your business.
High variable interest business savings account with 24/7 access.
High fixed interest rate for business savings. You choose the timeframe.
Competitive interest rates for a fixed period, that’s tailored to your cash flow needs.
Home loans for buyers, investors and borrowers looking for a better deal.
Includes a 100% interest offset when linked to our Orange Everyday bank account.
Low variable interest rate home loan with no ongoing monthly or annual fees.
Fixed interest rate home loans for terms of one to five years.
cashback offer
$3K cashback offer, on the house
You could get a $3K cashback if you refinance your eligible home loan to ING. Minimum refinance amount $500k. Must apply before 31 May 2022 and settle by 31 August 2022. Click here for Terms & Conditions.
Make extra repayments for free, redraw your money, pay bills with available funds via BPAY® and more.
With no monthly, annual or transaction fees, you could pay off your loan faster.
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.
Just add Orange Everyday to your home loan, and you could save on fees with 1% cashback on eligible utility bills. T&Cs apply, $0 ING international transaction fees when you shop online and overseas, plus up to 5 rebated ATM withdrawal fees a month in Australia and overseas.
You could pay off your home loan sooner with our low rates.
Owner occupiers - Principal + Interest
If your total borrowings are less than $150,000
Owner occupiers - Interest only
If your total borrowings are less than $150,000
Investors - Principal + Interest
If your total borrowings are less than $150,000
Investors - Interest only
If your total borrowings are less than $150,000
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.
Owner occupiers - Principal + Interest
LVR is 80% or less
LVR is above 80% and less than or equal to 90%
LVR is more than 90%
Owner occupiers - Interest only
LVR is 80% or less
Investors - Principal + Interest
LVR is 80% or less
Investors - Interest only
LVR is 80% or less
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.
Owner occupiers - Principal + Interest
LVR is 80% or less
LVR is above 80% and less than or equal to 90%
LVR is more than 90%
Owner occupiers - Interest only
LVR is 80% or less
Investors - Principal + Interest
LVR is 80% or less
Investors - Interest only
LVR is 80% or less
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.
Owner occupiers - Principal + Interest
LVR is 80% or less
LVR is above 80% and less than or equal to 90%
LVR is more than 90%
Owner occupiers - Interest only
LVR is 80% or less
Investors - Principal + Interest
LVR is 80% or less
Investors - Interest only
LVR is 80% or less
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.
Pay no monthly, annual or ongoing transaction fees.
It only takes 10 minutes to get started online, or you can call 1800 100 258 to speak with a home loan specialist.
As your application progresses, we keep you updated via online tracking, SMS and email.
For questions and help, our home loan specialists are here for you from application to settlement.
In planning mode? Use these tools and calculators to help you.
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Home loan terms and conditions
Increasing your loan
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Compare types of mortgages
Deposit and upfront costs for your home loan
Tips for buying at auction
View allChances are, you'll find the answer in our FAQs.
Here are some of the more common questions we get asked:
The comparison rate for the home loan 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.
$3,000 ING Home Loan Refinance Cashback Promotion
Terms and Conditions
1. The Promoter is ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian Credit Licence 229823.
2. This $3,000 ING Home Loan Refinance Cashback Promotion ('Promotion') commences on 1 July 2021 and ends on 31 May 2022 ('Promotional Period'), unless extended.
3. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply.
4. Customers who meet the following eligibility requirements will receive $3,000 cashback subject to the terms and conditions of this Promotion ('Eligible Customers'):
a. Customers must be Australian residents aged 18 years or over;
b. Customers must submit an application for a new ING home loan ('new ING Home Loan') within the Promotional Period (the 'Application');
c. The Application must include the refinance of an existing home loan from another lender and be for a total loan amount of at least $500,000. This refinance amount of $500,000 excludes refinances of existing ING loans.
d. The new ING Home Loan must have a loan to value ratio (LVR) of 80% or less;
e. The new ING Home Loan must settle on or before 31 August 2022; and
f. An active ING Orange Everyday transaction account must be held in the same name(s) as the new ING Home Loan at the time that the cashback is paid (which will occur within 70 days after settlement).
5. The Promotion applies in relation to any available ING Home Loan product including Owner Occupier and Investor loans and loans with Principal and Interest and Interest Only repayments.
6. The Promotion is limited to one $3,000 refinance cashback per Application irrespective of the number of:
a. properties or borrowers included on the Application; or
b. loan accounts that are being opened through the refinance.
7. The Promotion is not available in conjunction with any other promotions.
8. Provided these Terms and Conditions are met, Eligible Customers will receive $3,000 cashback transferred electronically into their ING Orange Everyday transaction account within 70 days of settlement.
9. Where an Eligible Customer has more than one Orange Everyday account held in the same names as the new ING Home Loan, ING will determine which account will receive the cashback. The customer cannot nominate an account. The customer will be notified via email after the cashback has been deposited into their account.
10. The $3,000 cashback will not be considered in ING's assessment of whether you could service the new ING Home Loan.
11. ING accepts no responsibility for any tax implications that may arise from the cashback. Eligible customers may need to seek advice from the Australian Tax Office or their own taxation adviser or independent financial adviser.
12. This Promotion is current as at 29 March 2021. ING reserves the right to change or withdraw the Promotion at any time.