The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 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 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 $150,000 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 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
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $150,000 | $999,999 |
| | Owner Occupier | Principal & Interest | < 80% | $1,000,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | 80%-90% | $150,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | 90%-95% | $150,000 | $2,000,000 |
| | Owner Occupier | Principal & Interest | < 95% | $50,000 | $149,999 |
| | Owner Occupier | Interest Only | < 80% | $150,000 | $999,999 |
| | Owner Occupier | Interest Only | < 80% | $1,000,000 | $2,000,000 |
| | Owner Occupier | Interest Only | < 95% | $50,000 | $149,999 |
| | Investor | Principal & Interest | < 80% | $50,000 | $149,999 |
| | Investor | Interest Only | < 80% | $50,000 | $149,999 |
| | Investor | Principal & Interest | < 80% | $150,000 | $2,000,000 |
| | Investor | Interest Only | < 80% | $150,000 | $2,000,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000 $999,999
Owner Occupier (Principal & Interest)
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 < 80%
Loan: $150,000 $999,999
Owner Occupier (Interest Only)
LVR < 80%
Loan: $1,000,000 $2,000,000
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
With competitive rates and flexible options such as free extra repayments, a redraw facility, split loan option and 100% offset account to help you save on interest, the Orange Advantage (Package) home loan from ING could be an option for borrowers wanting the best of both worlds. Little wonder our expert judges awarded ING the 2021 Mozo Experts Choice Award for Home Loan Lender of the Year.
ING's Orange Advantage (Package) comes with different variable rate tiers depending on the amount you are borrowing, your loan-to-value ratio (LVR) and whether you're an owner occupier or investor. Rates currently start at 2.50% (2.85% comparison rate*) for owner occupiers with an LVR of 80% or lower and a loan amount over $1 million, but there are a number of other competitive rates for different borrowing needs as well.
In terms of features, you can pretty much take your pick. There's a 100% offset account on offer if you're willing to link your home loan to the Orange Everyday transaction account which could save you a bunch of interest over the life of your loan. Plus, the ING Everyday Round Up feature lets you automatically round up purchases made with your Orange Everyday Transaction Account to the nearest $1 or $5, with the difference transferred towards 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 online redraw facility. There is also a split loan option if you decide that you want to fix some of your loan for a set period.
While there is no application fee, there are one-off settlement ($299) and discharge ($250) fees which you'll need to pay, plus a $299 yearly service fee.
If you're looking for a low rate, full feature loan to help you pay down your mortgage quicker and save on interest, the Orange Advantage (Package) loan could be the pick for you, particularly if you're already an ING customer with an Everyday Transaction account.
You can choose to make repayments on a fortnightly or monthly basis but these need to be made either via direct debit or salary credit, so if you need an alternative payment method you'll need to consider an alternative loan.
2.54% p.a.
n/a
n/a
n/a
2.89% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$150,000
$999,999
none
80.00%
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.
2.50% p.a.
n/a
n/a
n/a
2.85% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$1,000,000
$2,000,000
none
80.00%
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.
2.64% p.a.
n/a
n/a
n/a
2.98% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$150,000
$2,000,000
80.00%
90.00%
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.
3.05% p.a.
n/a
n/a
n/a
3.39% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$150,000
$2,000,000
90.00%
95.00%
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.
4.07% p.a.
n/a
n/a
n/a
4.39% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$50,000
$149,999
none
95.00%
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.
3.59% p.a.
n/a
n/a
n/a
3.91% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$150,000
$999,999
none
80.00%
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.
3.55% p.a.
n/a
n/a
n/a
3.88% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$1,000,000
$2,000,000
none
80.00%
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.
4.55% p.a.
n/a
n/a
n/a
4.86% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$50,000
$149,999
none
95.00%
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.
4.20% p.a.
n/a
n/a
n/a
4.52% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$50,000
$149,999
none
80.00%
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.
4.65% p.a.
n/a
n/a
n/a
4.96% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$50,000
$149,999
none
80.00%
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.
2.69% p.a.
n/a
n/a
n/a
3.04% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$150,000
$2,000,000
none
80.00%
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.
3.09% 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
$0.00
$0.00
$0.00
$299.00
n/a
$299.00 yearly
$250.00
$150,000
$2,000,000
none
80.00%
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.
ING recently helped us refinance our mortgage, leveraging a lower interest rate, maximising our property worth and putting more money back in our pockets. They were friendly and honest, and handled everything in the transition process from one back to another.
Read full reviewING recently helped us refinance our mortgage, leveraging a lower interest rate, maximising our property worth and putting more money back in our pockets. They were friendly and honest, and handled everything in the transition process from one back to another.
Great for very low to no fees. Rates are fair not fantastic. Customer service is adequate how ever they seem to run off a if you don't ask and we wont tell you anything system. You have to approach them for most things and loyalty doesn't equate to any discounts.
Read full reviewGreat for very low to no fees. Rates are fair not fantastic. Customer service is adequate how ever they seem to run off a if you don't ask and we wont tell you anything system. You have to approach them for most things and loyalty doesn't equate to any discounts.
Great, easy to use online app. Good flexibility. Was good rates at the time we got it (2.5 years ago) but not as competitive now. Offset accounts feature is good and ability to have fixed and variable portions. No ATM fees which is great.
Read full reviewGreat, easy to use online app. Good flexibility. Was good rates at the time we got it (2.5 years ago) but not as competitive now. Offset accounts feature is good and ability to have fixed and variable portions. No ATM fees which is great.
Love dealing with ING in most areas. Online functionality is first class and customer service is usually on point. The issue I have with ING is that they sucker you in with a great upfront rate, but then never reprice it. They only offer great rates to new customers and existing customers don't get the benefit. So if you want a good rate and are happy to refinance in a couple of years ING is the way to go.
Read full reviewLove dealing with ING in most areas. Online functionality is first class and customer service is usually on point. The issue I have with ING is that they sucker you in with a great upfront rate, but then never reprice it. They only offer great rates to new customers and existing customers don't get the benefit. So if you want a good rate and are happy to refinance in a couple of years ING is the way to go.
Always approachable and prepared to negotiate.
Read full reviewAlways approachable and prepared to negotiate.
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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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.
