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    • ING DIRECT Fixed Rate Loan (LVR < 80%) (SmartPack)

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    • 5.99%3 years

    • 6.27%

    • $0.00

    • $220

    Rates

    Variable rate
    none
    Intro rate
    none
    Intro rate term
    none
    Intro rate type
    Variable
    Comparison Rate*
    6.27%
    Fixed 1 year rate
    5.79%
    Fixed 2 year rate
    5.79%
    Fixed 3 year rate
    5.99%
    Fixed 4 year rate
    6.49%
    Fixed 5 year rate
    6.79%
    Fixed 7 year rate
    none
    Fixed 10 year rate
    none
    Fixed loan revert rate
    6.36%

    Fees

    Application fee
    $0.00
    Legal fee
    $
    Valuation fee
    $
    Settlement fee
    $220.00
    Other upfront fee (% of loan)
    none
    Service fee
    $0.00
    Discharge fee
    $250.00
    Early Exit Fee after 1 year assuming $300,000 loan
    fixed rate
    break fees

    Features

    Repayment Frequency
    Fortnightly, Monthly
    Extra repayments
    yes - free up to $10,000 pa
    Repayment holidays
    none
    Redraw facility
    no
    Minimum redraw amount
    $
    Split account
    yes
    Offset account
    no
    Other restrictions
    A valuation fee is payable. ING DIRECT will cover up to $215 of the valuation fee (GST inclusive) for the first valuation/property only.
    Other benefits
    Smartpack Fee waiver bonus for low LVR

    Other financial bits

    Minimum loan amount
    $300,000.00
    Maximum loan amount
    $2,000,000.00

    About ING DIRECT

    ING DIRECT is part of the ING Group, one of the world’s largest financial institutions, but it isn’t like other banks. ING DIRECT pioneered branch-less banking in Australia, getting rid of branches and passing on the savings to customers in the form of better rates and lower fees. From high interest savings accounts and term deposits to low rate home loans, ING DIRECT aims to keep your banking simple.

    Mozo People's Choice Awards. As voted by the Australian money public. Our Community of 23,000 reviewers gave this provider the thumbs up.

    How are ING DIRECT home loans rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    ING DIRECT home loans 7.6 Based on 100
    ING DIRECT home loan reviews     		7.6 6.8 7.5 6.7 7.5

    Read ING DIRECT home loan reviews by the Mozo community

    *The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan, based on the loan amount and loan term you entered. Fixed rate loans assume a 3 year fixed term. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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