8.7/10

Based on 4867 ING product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

ING home loans

ING is the world’s leading direct savings bank and is wholly owned by ING Group. It has held an Australian banking license since 1999 and in that time has become Australia’s most recommended bank with over 1.5 million customers and counting.

ING has financed more than 475,000 home loans Australia-wide so you can sleep easy knowing that you’re getting expert assistance that’s suited to your borrowing needs, whether you’re a first home buyer, investor or refinancer. 

What home loans do ING offer?

Rates and fees verified as correct at 29 May 2024. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

If you’re in the market for a fixed rate home loan that doesn’t skimp on flexibility, the offers from ING could be what you’re after. The Fixed Rate Loan lets you lock in a rate from 1 to 5 years and make repayments on a fortnightly or monthly basis. Loans are available from $50,000 and you’ll be able to borrow up to 95% LVR, meaning you can take out a loan with only a 5% deposit.

There are no application or ongoing monthly fees and you can make up to $10,000 a year in additional repayments without penalty. And if you combine your Fixed Rate Loan with ING's Orange Advantage home loan, you’ll receive a discount on the advertised fixed interest rates. There is also a rate lock feature available which can safeguard you against rising interest rates for up to 90 days prior to the settlement of the loan, but you’ll be charged a one off fee.

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments  

6.69% p.a.

6.35% p.a.

$0.00

$798

6.09% p.a.

6.15% p.a.

$0.00

$798

6.19% p.a.

6.36% p.a.

$0.00

$798

6.64% p.a.

6.70% p.a.

$0.00

$798

6.29% p.a.

6.31% p.a.

$0.00

$798

6.14% p.a.

6.27% p.a.

$0.00

$798

Variable Rate Home Loans

ING’s variable options have everything you’re looking for in a full featured variable home loan. There are two variable home loans on offer that are available from a starting amount of $50,000, and you’ll be able to make unlimited extra repayments and redraw as you please.

While you’ll be charged an annual fee for the Orange Advantage loan, you can make up for the cost by taking advantage of its money saving features including a 100% offset account and a split loan facility that rewards you with interest rate discounts.

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments  

6.39% p.a.

6.42% p.a.

$0.00

$299

6.54% p.a.

6.33% p.a.

$0.00

$299

6.54% p.a.

6.33% p.a.

$0.00

$299

6.14% p.a.

6.17% p.a.

$0.00

$299

6.14% p.a.

6.17% p.a.

$0.00

$299

6.69% p.a.

6.72% p.a.

$0.00

$299

8.00% p.a.

8.22% p.a.

$0.00

$299

8.35% p.a.

8.38% p.a.

$0.00

$299

6.54% p.a.

6.42% p.a.

$0.00

$299

8.55% p.a.

8.44% p.a.

$0.00

$299

6.29% p.a.

6.32% p.a.

$0.00

$299

8.30% p.a.

8.33% p.a.

$0.00

$299

6.89% p.a.

6.74% p.a.

$0.00

$299

6.59% p.a.

6.62% p.a.

$0.00

$299

Fixed Package Home Loan

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate Service fee Upfront fee Monthly repayments

6.59% p.a.

6.29% p.a.

$0.00

$299

5.99% p.a.

6.12% p.a.

$0.00

$299

6.09% p.a.

6.33% p.a.

$0.00

$299

6.54% p.a.

6.67% p.a.

$0.00

$299

Variable Package Home Loan

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

6.39% p.a.

6.67% p.a.

$299.00 yearly

$299

6.69% p.a.

6.64% p.a.

$299.00 yearly

$299

6.69% p.a.

6.64% p.a.

$299.00 yearly

$299

6.14% p.a.

6.43% p.a.

$299.00 yearly

$299

6.14% p.a.

6.43% p.a.

$299.00 yearly

$299

8.40% p.a.

8.66% p.a.

$299.00 yearly

$299

6.69% p.a.

6.97% p.a.

$299.00 yearly

$299

8.20% p.a.

8.56% p.a.

$299.00 yearly

$299

6.54% p.a.

6.66% p.a.

$299.00 yearly

$299

8.70% p.a.

8.81% p.a.

$299.00 yearly

$299

8.45% p.a.

8.72% p.a.

$299.00 yearly

$299

6.29% p.a.

6.58% p.a.

$299.00 yearly

$299

6.89% p.a.

6.98% p.a.

$299.00 yearly

$299

6.59% p.a.

6.88% p.a.

$299.00 yearly

$299

ING home loan features in a glance

Image of coins

Everyday round up feature

If you have an Orange Everyday account, you’ll be able to take advantage of the round up feature. This rounds up your card purchases to the nearest $1 or $5 and directs the difference towards paying off your Mortgage Simplifier or Orange Advantage loan balance.

Award icon

Split and save

If you can combine your Orange Advantage home loan with a Fixed Rate loan, you’ll receive a discount of 0.10% on the advertised fixed rate. Plus, the fixed rate home loan application fee will be automatically waived.

Free icon

Free ATMs

You can withdraw funds from any ATM in Australia for free when you have any ING home loan and an Orange Everyday transaction account. You’ll also receive a rebate on fees from international ATMs (within 5 business days), as well as international transaction fees.

How are ING home loans rated?

Mozo users have rated ING home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
ING home loans customer reviews
Overall
7.8/10
Price
7.6/10
Features
7.1/10
Customer service
7.7/10
Convenience
7.2/10
Trust
7.7/10
Based on 768 ING product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent ING home loan reviews

ING Fixed Rate Loan (with Orange Advantage)
Overall 7/10
Not bad unless borrowing less than 100k

Only bad point is when you have less than 100k owing on a home loan the interest rates amalgamation are higher. That's unfair to loyal customers

Read full review

Only bad point is when you have less than 100k owing on a home loan the interest rates amalgamation are higher. That's unfair to loyal customers

Price
5/10
Features
7/10
Customer service
10/10
Convenience
9/10
Trust
7/10
Less
Von, Tasmania, reviewed 2 months ago
ING Home Loan
Overall 9/10
online safety

Great online security, easy log in, offset account. I get my wages paid directly to this account and I therefore avoid account keeping fees. Only thing I dont like that there are no branches near to me.

Read full review

Great online security, easy log in, offset account. I get my wages paid directly to this account and I therefore avoid account keeping fees. Only thing I dont like that there are no branches near to me.

Price
10/10
Features
8/10
Customer service
9/10
Convenience
8/10
Trust
10/10
Less
Sandra, New South Wales, reviewed 2 months ago
ING Orange Advantage (Package)
Overall 10/10
ING is a fantastic home loan provider!

We switched our home loan from CBA to ING a few years ago when they offered us a competitive rate and we haven't looked back! ING continue to deliver a great rate, are easy to deal with, and the loan offers all the features we need (including an offset and redraw facility). We do pay an annual fee of $395 but also find this to be competitive with other banks. Highly recommend ING for your home loan!

Read full review

We switched our home loan from CBA to ING a few years ago when they offered us a competitive rate and we haven't looked back! ING continue to deliver a great rate, are easy to deal with, and the loan offers all the features we need (including an offset and redraw facility). We do pay an annual fee of $395 but also find this to be competitive with other banks. Highly recommend ING for your home loan!

Price
10/10
Features
10/10
Customer service
10/10
Convenience
7/10
Trust
10/10
Less
Mel, New South Wales, reviewed about 2 months ago
ING Home Loan
Overall 7/10
Great app

I'd like if they proactively offer rate reduction on my home loan rather than needing me to ask for one. The ING App is really responsive and easy to use

Read full review

I'd like if they proactively offer rate reduction on my home loan rather than needing me to ask for one. The ING App is really responsive and easy to use

Price
7/10
Features
8/10
Customer service
8/10
Convenience
9/10
Trust
10/10
Less
Kate, Queensland, reviewed about 2 months ago
ING Mortgage Simplifier
Overall 9/10
Easy to use

Easily the best bank I have ever dealt with. They explain everything very well and are great and understanding needs. I started with just a home loan account but now use them for all my banking. Sometimes it would be handy to have a branch to pop into to talk to someone face to face but I’ve never hung up from a phone call still needing answers.

Read full review

Easily the best bank I have ever dealt with. They explain everything very well and are great and understanding needs. I started with just a home loan account but now use them for all my banking. Sometimes it would be handy to have a branch to pop into to talk to someone face to face but I’ve never hung up from a phone call still needing answers.

Price
6/10
Features
6/10
Customer service
10/10
Convenience
8/10
Trust
8/10
Less
Kathleen, Queensland, reviewed 7 months ago

What do you need to apply for a ING home loan?

When you are confident ING is the right lender for you, signing up for one of their home loans is relatively easy and can be done online or offline. Before you get started, ensure you familiarise yourself with the details ING may require by scouring through our handy guide:

Income details

The purpose of the loan (i.e. new purchase, investment property or refinance) will generally determine what additional documents you may require. Some of these may include:

Home loan quick links