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ING home loan reviews

ING
ING's overall rating for home loans

(as rated by the Mozo community)

7.9 / 10

based on 676 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from ING

Recent ING home loan reviews

ING

ING Fixed Rate Loan (Owner Occupier, Principal & Interest) Fixed Rate Loan review

Overall rating   8 / 10

Easy to follow process

I Like that have been able to use any ATM without fees for sometime now, the convenience of access to someone 24/7 and the professionalism of the bank. They are always helpful.

Full review

I Like that have been able to use any ATM without fees for sometime now, the convenience of access to someone 24/7 and the professionalism of the bank. They are always helpful.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   2 / 10

    Trust   8 / 10

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Liz, South Australia, reviewed over 1 year ago

ING

ING Fixed Rate Loan (Owner Occupiers with Orange Advantage, Principal & Interest) Fixed Rate Loan (Owner Occupiers with Orange Advantage) review

Overall rating   10 / 10

Fabulous and easy

Very easy to use, no problem with help.

Full review

Very easy to use, no problem with help.

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Megan, Victoria, reviewed over 1 year ago

ING

ING Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest) (Package) Orange Advantage (Package) review

Overall rating   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 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...

Full review

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

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Andrew, New South Wales, reviewed over 1 year ago

ING

ING Mortgage Simplifier (Owner Occupier, Principal & Interest) Mortgage Simplifier review

Overall rating   8 / 10

Highly recommend ING Direct for mortgages

I've been with ING Direct for many years now, and have been very pleased with them and would also recommend them to my family and friends.

Full review

I've been with ING Direct for many years now, and have been very pleased with them and would also recommend them to my family and friends.

    Price   10 / 10

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Donna, New South Wales, reviewed about 2 years ago

ING

ING Fixed Rate Loan (Owner Occupier, Principal & Interest) Fixed Rate Loan review

Overall rating   10 / 10

Excellent bank

Beat bank ever for me.

Full review

Beat bank ever for me.

    Price   8 / 10

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David, New South Wales, reviewed over 2 years ago

ING

ING Mortgage Simplifier (Owner Occupier, Principal & Interest) Mortgage Simplifier review

Overall rating   7 / 10

Need to improve their application process

Although they promise fast responses, dealing with applications can be tiresome. Once a loan is set up this bank is great but if you want to refinance it is a long drawn out process even for existing customers.

Full review

Although they promise fast responses, dealing with applications can be tiresome. Once a loan is set up this bank is great but if you want to refinance it is a long drawn out process even for existing customers.

    Price   5 / 10

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Anita, Tasmania, reviewed over 2 years ago

ING

ING Mortgage Simplifier (Owner Occupier, Principal & Interest) Mortgage Simplifier review

Overall rating   10 / 10

Great customer service

Staff are friendly and knowledgeable. Internet banking is also easy to use. Their call centre is located in Australia which is very important for me due to convenience.

Full review

Staff are friendly and knowledgeable. Internet banking is also easy to use. Their call centre is located in Australia which is very important for me due to convenience.

    Price   6 / 10

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Charmaine, Queensland, reviewed over 2 years ago

ING

ING Home Loan review

Overall rating   5 / 10

Great customer service

Interest rates are too high but they have good customer service.

Full review

Interest rates are too high but they have good customer service.

    Price   3 / 10

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Kym, South Australia, reviewed over 2 years ago

ING

ING Home Loan review

Overall rating   8 / 10

Great service and products

Great customer service, ING's banking app is very user friendly. Can't fault the bank or it's products. Only negatives, no physical branches.

Full review

Great customer service, ING's banking app is very user friendly. Can't fault the bank or it's products. Only negatives, no physical branches.

    Price   8 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Claire, Victoria, reviewed over 3 years ago

ING

ING Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest) (Package) Orange Advantage (Package) review

Overall rating   9 / 10

Magical

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

Full review

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

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Whitney, Western Australia, reviewed over 3 years ago

ING

ING Mortgage Simplifier (Owner Occupier, Principal & Interest) Mortgage Simplifier review

Overall rating   8 / 10

Easy to use and understand where you are.

Can only be used online. Great redraw system that can be used from a mobile app. Redraw can be used to pay bills or transfer funds. I have found all fund transfers available the next working day.

Full review

Can only be used online. Great redraw system that can be used from a mobile app. Redraw can be used to pay bills or transfer funds. I have found all fund transfers available the next working day.

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Ian, New South Wales, reviewed over 3 years ago

ING

ING Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest) (Package) Orange Advantage (Package) review

Overall rating   10 / 10

A+ and 5* Quality Financial Institution

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

Full review

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

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Joyce, Queensland, reviewed over 3 years ago

ING

ING Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest) (Package) Orange Advantage (Package) review

Overall rating   6 / 10

Average

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

Full review

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

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Angela, Queensland, reviewed over 3 years ago

ING

ING Fixed Rate Loan (Owner Occupier, Principal & Interest) Fixed Rate Loan review

Overall rating   9 / 10

Great

They are great - the best bank I've ever used

Full review

They are great - the best bank I've ever used

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Daniel, Queensland, reviewed over 3 years ago

ING

ING Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest) (Package) Orange Advantage (Package) review

Overall rating   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 ATM use)

Full review

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

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Terence, New South Wales, reviewed over 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    3.03% p.a. variable

    comparison rate*

    3.05% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 3.03% p.a. variable
    • Comparison rate*: 3.05% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.2

    Based on 637 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k

    interest rate

    3.09% p.a. variable

    comparison rate*

    3.09% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k
    • Interest rate: 3.09% p.a. variable
    • Comparison rate*: 3.09% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    3.09% p.a. variable

    comparison rate*

    3.05% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 3.09% p.a. variable
    • Comparison rate*: 3.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Owner Occupier, LVR<80%, Principal & Interest) (Member Package)

    ME Flexible Home Loan (Owner Occupier, LVR<80%, Principal & Interest) (Member Package)

    • 3.69% p.a. / 4.11% p.a. Comp Rate
    • Annual Fee of $395. Loan size $400k-$699k
    • Experts Choice - Australia's Best Bank 2018

    interest rate

    3.39% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $200

    Go to site

    More info

    • 3.69% p.a. / 4.11% p.a. Comp Rate
    • Annual Fee of $395. Loan size $400k-$699k
    • Experts Choice - Australia's Best Bank 2018
    • Interest rate: 3.39% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $200
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $400,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.7

    Based on 902 ME home loan reviews

    Need more information?
    Go to site

    More info

  • Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    Homestar Star Essentials Home Loan (Owner Occupier, Principal & Interest)

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer

    interest rate

    2.99% p.a. variable

    comparison rate*

    3.02% p.a.

    upfront fees

    $596

    Go to site

    More info

    • No annual or monthly fees
    • Unlimited extra repayments & Free online redraw
    • Upfront fees waived – limited time offer
    • Interest rate: 2.99% p.a. variable
    • Comparison rate*: 3.02% p.a.
    • Upfront fees: $596
    • Ongoing fees: $0.00
    • Discharge fee: $535.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount: $850,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    6.3

    Based on 19 Homestar home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 532 home loans in the Mozo comparison engine.

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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.

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