Home loan interest rates

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.

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.

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.

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 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.

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.

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.

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.

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.

Fixed Rate Home Loan

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

1 year fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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

1 year fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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

1 year fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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

1 year fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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 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 fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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 fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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 fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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

1 year fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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.

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

1 year fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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

1 year fixed rate

2 year fixed rate

3 year fixed rate

4 year fixed rate

5 year fixed rate

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.

Important Information

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. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available at ing.com.au or by calling 133 464. All features are not available for every type of loan. WARNING: If you select a fixed rate loan, break costs may be payable if, at any time before the fixed rate expires, you (1) pay out your loan, make an additional payment of $10,000 or more, or you make additional payments totalling $10,000 or more in any one-year period (with the first one-year period starting on the first day of the fixed interest period), or (2) you ask us to make certain changes to your loan including but not limited to your loan type, your repayment type, your loan purpose, your fixed interest period, the security on your property, your approved loan amount, your loan term, the borrowers on your loan or any other change that requires your loan to be re-documented. You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances. Any additional payments or advanced funds are not available for redraw during the fixed interest period. There is no offset facility available on a fixed rate loan. The offset facility is only available on the Orange Advantage home loan account when linked to an Orange Everyday account. With an Orange Advantage home loan, a non-refundable annual fee applies (refer to the Orange Advantage Post-Settlement fees and charges located here for more information); and 100% interest offset when linked to our Orange Everyday transaction account and you make a deposit into this account. For ING Commercial Loans Fees and charges apply and are available on request. 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. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our home loan products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule. To view these documents you may need Adobe Acrobat. Products are issued by ING.

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