Refinance

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Refinance your Home Loan with ING

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Refinance with ease: calculators, rate comparison tools, tips and more

Refinancing your home loan can be a great way to pay off your home sooner, lower your repayments or access your equity. But if you've never done it before, it can seem complicated. To make it simpler you'll find tools and information you need here in the one place - from borrowing power and repayment calculators, to our rate comparison tool, tips and more.

Ready to apply?

Start your application online or call us on 1800 464 232, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).

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Why refinance with ING?

Why refinance your home loan with ING?

Canstar's Bank of the Year

Proudly and continuously ranked as Canstar's Bank of the Year.

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.

Tools and calculators

Tools and calculators

Thinking about refinancing? Our simple tools help you estimate savings, compare loan options, and find answers to common questions - so you can make confident, informed financial decisions.

Refinance calculator

Use our refinance calculator to compare rates and find out how much you could save by refinancing your home loan with one of ING's variable rate Home Loans.

Calculate now

Repayments calculator

The ING home loan repayments calculator lets you do the math to see how much you could save on your repayment each month if you were to switch.

Calculate now

Which home loan is right for you?

Use our home loan rate comparison tool to compare different rates and features.

Compare home loans
How to get started

How to get started

Simple Steps to Refinance Your Home Loan. ING makes the home loan refinance process simple and straightforward. Discover how to get started with ING today!

1. Starting out

Check out our loan products and rates, to make sure ING suits you, then apply online or 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. A helping hand

If you have any questions along the way, our home loan specialists are here for you.

4. Approval

Once the paperwork is done and approved, we'll move your home loan across and get you settled in.

Ready to apply or want pre-approval?

Apply now
How to get help

Expert support

Looking for a lower rate? Refinancing your home loan could be the solution. But knowing where to start can be challenging. That's where we come in - offering friendly support with no obligations.

Our home loan specialists are here to answer your questions and guide you through the process, step by step. You can start your application online or by calling 1800 100 258, 8am - 8pm from Mon to Fri and 9am - 5pm on Sat.

Start application