ING Orange Advantage (Package)

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $999,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $1,000,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $500,000 and $999,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $1,000,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $149,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $149,999 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $149,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $50,000 and $149,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $500,000 $999,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $1,000,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $499,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $500,000 $999,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $1,000,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $150,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $50,000 $149,999

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $50,000 $149,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $149,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $50,000 $149,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $2,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $2,000,000

3.08% p.a.

3.42% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.08% p.a.

3.42% p.a.

$299.00 yearly

3.08% p.a.

3.42% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.08% p.a.

3.42% p.a.

$299.00 yearly

3.04% p.a.

3.38% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.04% p.a.

3.38% p.a.

$299.00 yearly

3.84% p.a.

4.17% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.84% p.a.

4.17% p.a.

$299.00 yearly

3.84% p.a.

4.17% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.84% p.a.

4.17% p.a.

$299.00 yearly

3.80% p.a.

4.13% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.80% p.a.

4.13% p.a.

$299.00 yearly

3.18% p.a.

3.52% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.18% p.a.

3.52% p.a.

$299.00 yearly

3.38% p.a.

3.71% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.38% p.a.

3.71% p.a.

$299.00 yearly

4.32% p.a.

4.63% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.32% p.a.

4.63% p.a.

$299.00 yearly

4.80% p.a.

5.11% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.80% p.a.

5.11% p.a.

$299.00 yearly

4.45% p.a.

4.77% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.45% p.a.

4.77% p.a.

$299.00 yearly

4.90% p.a.

5.21% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.90% p.a.

5.21% p.a.

$299.00 yearly

3.49% p.a.

3.82% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.49% p.a.

3.82% p.a.

$299.00 yearly

3.89% p.a.

4.22% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.89% p.a.

4.22% p.a.

$299.00 yearly

Mozo Review   ING Orange Advantage (Package) Review

Last updated: 16 October 2019.

What's hot:
  • $0 application fee

  • Round up feature to chip away at your balance

What's not:
  • $299 yearly service fee

Mozo snapshot:

With competitive rates and no application fees, the ING Orange Advantage home loan can rally put you a step ahead. This loan is packed with flexible options such as free extra repayments, a redraw facility, split loan option and an offset to help you save on interest. 

Key features:

There are different rate tiers for the ING Orange Advantage home loan depending on the amount you are borrowing and your loan-to-value ratio. The best rates, starting at 3.04% (3.38% comparison rate*), are reserved for borrowers with an LVR of 80% or lower and loan amount over $1 million.

In terms of features, you can pretty much take your pick. There is a 100% interest offset account on offer, if you link your home loan to the Orange Everyday Transaction Account which can save you a bunch of interest over the life of your loan. Plus, the ING Everyday Round Up feature lets you automatically round purchases made with your Orange Everyday Transaction Account to the nearest $1 or $5 and transfer the difference against your loan balance.

You can also make extra repayments anytime for free and if you find yourself in need of some extra cash down the line you can take advantage of the free redraw facility.

While there are no application fees for the Orange Advantage home loan there are still some upfront costs to be aware of. You'll need to pay a $299 upfront settlement fee and a $299 yearly service fee. There is a property valuation fee to pay but ING will cover up to $225 of this cost on your first property evaluation ($750 for loans over $1 million). There is also a split loan option if you decide that you want to fix some of your loan for a set period if rates start to climb.

Be sure you take advantage of the 'free' options with this account like extra payments, free redraws and split loan options.

Who it's good for:

If you're looking for a full feature loan to help you pay down your mortgage quicker and save on interest, the Orange Everyday home loan could be the pick for you, particularly if you're already an ING customer with an Everyday Transaction account.

Any catches?

You can make payments fortnightly or monthly but loan repayments must be done either via direct debit or salary credit so if you need an alternative payment method you'd need to consider an alternative loan.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.08% p.a.

  • n/a

  • n/a

  • n/a

  • 3.42% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.08% p.a.

  • n/a

  • n/a

  • n/a

  • 3.42% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $500,000

  • $999,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.04% p.a.

  • n/a

  • n/a

  • n/a

  • 3.38% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $1,000,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.84% p.a.

  • n/a

  • n/a

  • n/a

  • 4.17% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.84% p.a.

  • n/a

  • n/a

  • n/a

  • 4.17% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $500,000

  • $999,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.80% p.a.

  • n/a

  • n/a

  • n/a

  • 4.13% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $1,000,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.18% p.a.

  • n/a

  • n/a

  • n/a

  • 3.52% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $2,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.38% p.a.

  • n/a

  • n/a

  • n/a

  • 3.71% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $2,000,000

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.32% p.a.

  • n/a

  • n/a

  • n/a

  • 4.63% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $50,000

  • $149,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.80% p.a.

  • n/a

  • n/a

  • n/a

  • 5.11% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $50,000

  • $149,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.45% p.a.

  • n/a

  • n/a

  • n/a

  • 4.77% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $50,000

  • $149,999

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.90% p.a.

  • n/a

  • n/a

  • n/a

  • 5.21% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $50,000

  • $149,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.49% p.a.

  • n/a

  • n/a

  • n/a

  • 3.82% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 12 November 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.89% p.a.

  • n/a

  • n/a

  • n/a

  • 4.22% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $299.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • yes

  • Can only be paid by Direct Debit or Salary Credit.

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are ING home loans rated by the Mozo community?

Overall customer rating
7.9/10

Based on 685 ING home loan reviews

Price
7.7/10
Features
7.1/10
Customer service
7.7/10
Convenience
7.2/10
Trust
7.8/10

Latest reviews of ING Orange Advantage (Package)

  • Overall
    8/10
    Great bank. Honest, loyal and compassionate.

    I have already recommended ING to many of my friends and family especially in regards to their...

    I have already recommended ING to many of my friends and family especially in regards to their home loans. They have accommodated our needs over the years and have done so with compassion. Highly recommend.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    5/10
    Trust
    10/10

    Ashleigh | New South Wales

    reviewed 6 days ago

  • Overall
    9/10
    Handy, trusty, reliable

    Great service when needed, love the no fee redraw facility.

    Great service when needed, love the no fee redraw facility.

    Price
    8/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Rachel | Victoria

    reviewed 20 days ago

  • Overall
    7/10
    Best bank home loan

    Easy to manage and lots to offer with better rates than others

    Easy to manage and lots to offer with better rates than others

    Price
    8/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10

    Lingaraj | New South Wales

    reviewed 27 days ago

  • Overall
    8/10
    Good rates, outstanding focus on customers

    I went with ING because they had a good mix of low variable rate with an offset and a low fixed...

    I went with ING because they had a good mix of low variable rate with an offset and a low fixed rate. I liked how the Orange Everyday offset account had free ATM withdrawals and was impressed that when the big 4 banks killed ATM fees that ING went out of its way to add free overseas ATM access - not that I'll use it much, but I think that says something very positive about the way ING treats their customers.

    Price
    8/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Andrew | New South Wales

    reviewed almost 2 years ago

  • Overall
    9/10
    Magical

    I love all the extra features of the ING orange advantage card which is linked to my homeloan...

    I love all the extra features of the ING orange advantage card which is linked to my homeloan account.

    Price
    10/10
    Features
    10/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    7/10

    Whitney | Western Australia

    reviewed over 3 years ago

ING

About ING

ING is part of the ING Group, one of the world's largest financial institutions, but it isn't like other banks. ING 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 aims to keep your banking simple.

See ING home loans

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Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

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UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

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ANZ

ANZ

Simplicity PLUS

3.24% p.a. variable

3.28% p.a.

$0

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Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.89% p.a.
fixed 3 years

3.70% p.a.

$0

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Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a. variable

3.23% p.a.

$0

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Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a. variable

2.78% p.a.

$0

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Bank of Queensland

Bank of Queensland

Fixed Rate

2.99% p.a.
fixed 3 years

3.72% p.a.

$450

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

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loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Promoted

ANZ

ANZ

Simplicity PLUS

3.24% p.a. variable

3.28% p.a.

$0

Promoted

Suncorp

Suncorp

Back to Basics

3.03% p.a. variable

3.04% p.a.

$0

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a. variable

2.78% p.a.

$0

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a. variable

3.23% p.a.

$0

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

CUA

CUA

Achieve Variable Home Loan

3.20% p.a. variable

3.25% p.a.

$835

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a. variable

2.78% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

3.03% p.a. variable

3.04% p.a.

Promoted

ANZ

ANZ

Simplicity PLUS

3.24% p.a. variable

3.28% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

Promoted

ANZ

ANZ

Simplicity PLUS

3.24% p.a.

3.28% p.a.

$0

Promoted

Suncorp

Suncorp

Back to Basics

3.03% p.a.

3.04% p.a.

$0

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a.

3.23% p.a.

$0

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a.

2.78% p.a.

$0

Promoted

CUA

CUA

Achieve Variable Home Loan

3.20% p.a.

3.25% p.a.

$835

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.84% p.a.

2.85% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.69% p.a.
fixed 3 years

3.19% p.a.

$395

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.89% p.a.
fixed 3 years

3.70% p.a.

$0

Promoted

ANZ

ANZ

Fixed Rate (Breakfree Package)

2.98% p.a.
fixed 3 years

4.06% p.a.

$0

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.44% p.a.

$799

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

$395

Promoted

CUA

CUA

Fixed Rate Loan

2.98% p.a.
fixed 3 years

4.29% p.a.

$835

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0.00

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Buster High Lend Variable

2.77% p.a.

2.78% p.a.

$0.00

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.84% p.a.

2.85% p.a.

$0.00

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.07% p.a.

3.09% p.a.

$0.00

Promoted

Suncorp

Suncorp

Back to Basics

3.03% p.a.

3.04% p.a.

$0.00

Promoted

Bank of Sydney

Bank of Sydney

BOSBasic Home Loan

2.96% p.a.

3.01% p.a.

$0.00

Promoted

loans.com.au

loans.com.au

Essentials Variable

3.04% p.a.

3.06% p.a.

$0.00

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.