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  1. Home
  2. Rates and fees
  3. Home loan interest rates

Home loan interest rates

Mortgage Simplifier
Total Borrowing $150,000 or less
LVR (including any LMI applicable)
Interest rate
Comparison rate

Owner occupiers - Principal + Interest

All

Owner occupiers - Interest only

All

LVR (including any LMI applicable)
Interest rate
Comparison rate

Investors - Principal + Interest

All

Investors - Interest only

All

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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).

Borrowing power calculator Learn more about Mortgage Simplifier
Total Borrowing $150,000 to $499,999
LVR (including any LMI applicable)
Interest rate
Comparison rate

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

LVR (including any LMI applicable)
Interest rate
Comparison rate

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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).

Borrowing power calculator Learn more about Mortgage Simplifier
Total Borrowing $500,000 or more
LVR (including any LMI applicable)
Interest rate
Comparison rate

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

LVR (including any LMI applicable)
Interest rate
Comparison rate

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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).

Borrowing power calculator Learn more about Mortgage Simplifier
Total Borrowing $1,000,000 or more
LVR (including any LMI applicable)
Interest rate
Comparison rate

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

LVR (including any LMI applicable)
Interest rate
Comparison rate

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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).

Borrowing power calculator Learn more about Mortgage Simplifier
Orange Advantage
Total Borrowing $150,000 or less
LVR (including any LMI applicable)
Interest rate
Comparison rate

Owner occupiers - Principal + Interest

All

Owner occupiers - Interest only

All

LVR (including any LMI applicable)
Interest rate
Comparison rate

Investors- Principal + Interest

All

Investors - Interest only

All

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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).

Compare all our home loans
Total Borrowing $150,000 to $499,999
LVR (including any LMI applicable)
Interest rate
Comparison rate

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

LVR (including any LMI applicable)
Interest rate
Comparison rate

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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).

Borrowing power calculator Learn more about Orange Advantage
Total Borrowing $500,000 to $999,999
LVR (including any LMI applicable)
Interest rate
Comparison rate

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 occupier - Interest only

LVR is 80% or less

LVR (including any LMI applicable)
Interest rate
Comparison rate

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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).

Borrowing power calculator Learn more about Orange Advantage
Total Borrowing $1,000,000 or more
LVR (including any LMI applicable)
Interest rate
Comparison rate

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 occupier - Interest only

LVR is 80% or less

LVR (including any LMI applicable)
Interest rate
Comparison rate

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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).

Borrowing power calculator Learn more about Orange Advantage

Fixed Rate Home Loan

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

Owner Occupiers
Term
Interest rate
Comparison rate
Owner Occupiers - Principal + Interest - LVR is less than or equal to 80%

1 year

4.89
3.83

2 year

5.19
3.98

3 year

5.49
4.19

4 year

5.59
4.37

5 year

5.69
4.55
Owner Occupiers - Principal + Interest - LVR is above 80% and less than or equal to 90%

1 year

4.99
4.11

2 year

5.29
4.25

3 year

5.59
4.44

4 year

5.69
4.60

5 year

5.79
4.77
Owner Occupiers - Principal + Interest - LVR is greater than 90%

1 year

5.44
4.20

2 year

5.74
4.38

3 year

6.04
4.60

4 year

6.14
4.80

5 year

6.24
5.00

These fixed 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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).
LVR means Loan to Value Ratio. It is the value of a loan compared to the value of the property that is intended to secure the loan. The LVR is expressed as a percentage and is determined using ING's credit approval criteria.

Owner Occupiers with Orange Advantage
Term
Interest rate
Comparison rate
Owner Occupiers when combined with a variable Orange Advantage home loan - Principal + Interest - LVR is less than or equal to 80%

1 year

4.79
4.11

2 year

5.09
4.26

3 year

5.39
4.46

4 year

5.49
4.63

5 year

5.59
4.80
Owner Occupiers when combined with a variable Orange Advantage home loan - Principal + Interest - LVR is above 80% and less than or equal to 90%

1 year

4.89
4.39

2 year

5.19
4.53

3 year

5.49
4.71

4 year

5.59
4.86

5 year

5.69
5.02
Owner Occupiers when combined with a variable Orange Advantage home loan - Principal + Interest - LVR is greater than 90%

1 year

5.34
4.48

2 year

5.64
4.65

3 year

5.94
4.86

4 year

6.04
5.05

5 year

6.14
5.24

These fixed 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. If you're an existing customer and want to check your current interest rate please login to the ING app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).
LVR means Loan to Value Ratio. It is the value of a loan compared to the value of the property that is intended to secure the loan. The LVR is expressed as a percentage and is determined using ING's credit approval criteria.

Investors
Term
Interest rate
Comparison rate
Investors - Principal + Interest - LVR is less than or equal to 80%

1 year

4.99
4.36

2 year

5.29
4.50

3 year

5.59
4.70

4 year

5.69
4.86

5 year

5.79
5.03
Investors - Interest Only - LVR is less than or equal to 80%

1 year

5.19
4.51

2 year

5.49
4.61

3 year

5.79
4.75

4 year

5.89
4.87

5 year

5.99
4.99
Compare all our home loans