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

Home loan interest rates

Mortgage Simplifier
Total Borrowings from $50,000 to $149,999
Total Borrowings from $150,000 to $499,999
Total Borrowings from $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 80.01% to 90%

LVR is 90.01% to 95%

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

LVR is 80.01% to 90%

Investors - Interest only

LVR is 80% or less

LVR is 80.01% to 90%

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate 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.
Total borrowings: Includes the total amount borrowed per application.

Borrowing power calculator Learn more about Mortgage Simplifier
Total Borrowings from $1,000,000 or more
Orange Advantage
Total Borrowings from $50,000 to $149,999
LVR (including any LMI applicable)
Interest rate
Comparison rate

Owner occupiers - Principal + Interest

LVR is 80% or less

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 property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate 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.
Total borrowings: Includes the total amount borrowed per application.

Borrowing power calculator Learn more about Orange Advantage
Total Borrowings from $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 80.01% to 90%

LVR is 90.01% to 95%

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

LVR is 80.01% to 90%

Investors - Interest only

LVR is 80% or less

LVR is 80.01% to 90%

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate 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.
Total borrowings: Includes the total amount borrowed per application.

Borrowing power calculator Learn more about Orange Advantage
Total Borrowings from $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 80.01% to 90%

LVR is 90.01% to 95%

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

LVR is 80.01% to 90%

Investors - Interest only

LVR is 80% or less

LVR is 80.01% to 90%

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate 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.
Total borrowings: Includes the total amount borrowed per application.

Borrowing power calculator Learn more about Orange Advantage
Total Borrowings from $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 80.01% to 90%

LVR is 90.01% to 95%

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

LVR is 80.01% to 90%

Investors - Interest only

LVR is 80% or less

LVR is 80.01% to 90%

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate 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.
Total borrowings: Includes the total amount borrowed per application.

Borrowing power calculator Learn more about Orange Advantage

Fixed Rate Home Loan

Owner Occupiers
Term
Interest rate
Comparison rate
Owner Occupiers - Principal & Interest - LVR is 80% or less - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

Owner Occupiers - Principal & Interest - LVR is 80.01% to 90% - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

Owner Occupiers - Principal & Interest - LVR is 90.01% to 95% - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

Owner Occupiers - Interest Only - LVR is less than 80% - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

These fixed rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate 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.
Total borrowings: Includes the total amount borrowed per application.

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 80% or less - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

Owner Occupiers when combined with a variable Orange Advantage home loan - Principal & Interest - LVR is 80.01% to 90% - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

Owner Occupiers when combined with a variable Orange Advantage home loan - Principal & Interest - LVR is 90.01% to 95% - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

Owner Occupiers with Orange Advantage - Interest Only - LVR is less than 80% - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

These fixed rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate 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.
Total borrowings: Includes the total amount borrowed per application.

Investors
Term
Interest rate
Comparison rate
Investors - Principal & Interest - LVR is 80% or less - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

Investors - Interest Only - LVR is 80% or less - min total borrowings $50,000

1 year

2 year

3 year

4 year

5 year

These fixed rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate 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.
Total borrowings: Includes the total amount borrowed per application.