ING Orange Advantage (Package)

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 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

3.68% p.a.

4.00% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.68% p.a.

4.00% p.a.

$299.00 yearly

3.68% p.a.

4.00% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.68% p.a.

4.00% p.a.

$299.00 yearly

3.64% p.a.

3.69% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.64% p.a.

3.69% p.a.

$299.00 yearly

4.08% p.a.

4.40% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.08% p.a.

4.40% p.a.

$299.00 yearly

4.08% p.a.

4.40% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.08% p.a.

4.40% p.a.

$299.00 yearly

4.04% p.a.

4.36% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.04% p.a.

4.36% p.a.

$299.00 yearly

3.78% p.a.

4.11% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.78% p.a.

4.11% p.a.

$299.00 yearly

3.98% p.a.

5.05% p.a.

$299.00 yearly

ING Orange Advantage (Package)

3.98% p.a.

5.05% p.a.

$299.00 yearly

4.75% p.a.

5.05% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.75% p.a.

5.05% p.a.

$299.00 yearly

5.15% p.a.

5.46% p.a.

$299.00 yearly

ING Orange Advantage (Package)

5.15% p.a.

5.46% p.a.

$299.00 yearly

5.05% p.a.

5.36% p.a.

$299.00 yearly

ING Orange Advantage (Package)

5.05% p.a.

5.36% p.a.

$299.00 yearly

5.40% p.a.

5.70% p.a.

$299.00 yearly

ING Orange Advantage (Package)

5.40% p.a.

5.70% p.a.

$299.00 yearly

4.09% p.a.

4.41% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.09% p.a.

4.41% p.a.

$299.00 yearly

4.39% p.a.

4.71% p.a.

$299.00 yearly

ING Orange Advantage (Package)

4.39% p.a.

4.71% p.a.

$299.00 yearly

Mozo Review   ING Orange Advantage (Package) Review

Last updated: 7 August 2018.

What's hot:
  • $0 application fee

  • Low variable rate

What's not:
  • $299 yearly service fee

Mozo snapshot:

It's the low rates and great customer service that make the ING Orange Advantage home loan a winner. It has no application fees and is packed with flexible options such as redraw, split loan options and offset to help you save on interest payments. 

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 rates are most favourable if you've already paid off a large sum of your mortgage, but even if you're just starting out all loans over $150,000 will get a 3.68% variable rate.

Here's how the rate tiers work. If you're purchasing an investment property and if you're looking for a loan between $150,000 - $2,000,000, you would be looking at a variable rate of 4.09%.

For owner occupier loans between $150,000 and $1,000,000 with an LVR under 80% the rate is 3.68%. If you're borrowing above that, you'll snag a 3.64% rate.

For borrowers with an LVR between 80 - 90%, the rate is 3.78% no matter how much you're borrowing, and if your LVR is above 90%, you'll get a 3.98% rate. The maximum LVR available is 95%.

There is an 100% interest offset option 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. 

You can 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 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:

Anyone looking for competitive rates and loan flexibility.

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 20 September 2018.

Rates
  • 3.68% p.a.

  • n/a

  • 0 Months

  • none

  • 4.00% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 3.68% p.a.

  • n/a

  • 0 Months

  • none

  • 4.00% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 3.64% p.a.

  • n/a

  • 0 Months

  • none

  • 3.69% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 4.08% p.a.

  • n/a

  • 0 Months

  • none

  • 4.40% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 4.08% p.a.

  • n/a

  • 0 Months

  • none

  • 4.40% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 4.04% p.a.

  • n/a

  • 0 Months

  • none

  • 4.36% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 3.78% p.a.

  • n/a

  • 0 Months

  • none

  • 4.11% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 3.98% p.a.

  • n/a

  • 0 Months

  • none

  • 5.05% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 4.75% p.a.

  • n/a

  • 0 Months

  • none

  • 5.05% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 5.15% p.a.

  • n/a

  • 0 Months

  • none

  • 5.46% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 5.05% p.a.

  • n/a

  • 0 Months

  • none

  • 5.36% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 5.40% p.a.

  • n/a

  • 0 Months

  • none

  • 5.70% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 4.09% p.a.

  • n/a

  • 0 Months

  • none

  • 4.41% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Details

Rates and fees information correct as at 20 September 2018.

Rates
  • 4.39% p.a.

  • n/a

  • 0 Months

  • none

  • 4.71% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $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.

  • none

Customer Reviews

How are ING home loans rated by the Mozo community?

Overall customer rating
7.9/10

Based on 676 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
    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 10 months 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 2 years ago

  • Overall
    10/10
    A+ and 5* Quality Financial Institution

    Great customer service. Excellent customer rebates and rewards. Great interest rates.

    Great customer service. Excellent customer rebates and rewards. Great interest rates.

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

    Joyce | Queensland

    reviewed over 2 years ago

  • Overall
    6/10
    Average

    Typical bank. I would change but I'm sure they are all the same.

    Typical bank. I would change but I'm sure they are all the same.

    Price
    3/10
    Features
    4/10
    Customer service
    6/10
    Convenience
    5/10
    Trust
    7/10

    Angela | Queensland

    reviewed over 2 years ago

  • Overall
    9/10
    Excellent customer service and low H/L Interest

    Pros - Low interest rates for home loans Great phone service Cons No branches (free non-ING...

    Pros - Low interest rates for home loans Great phone service Cons No branches (free non-ING ATM use)

    Price
    10/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    7/10
    Trust
    9/10

    Terence | New South Wales

    reviewed over 2 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

*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.