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) home 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

Less

Liz, South Australia, reviewed about 1 year ago

ING

ING Fixed Rate Loan (Owner Occupiers with Orange Advantage, Principal & Interest) home loan 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) home loan 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) home loan 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 almost 2 years ago

ING

ING Fixed Rate Loan (Owner Occupier, Principal & Interest) home 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 almost 2 years ago

ING

ING Mortgage Simplifier (Owner Occupier, Principal & Interest) home loan 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 about 2 years ago

ING

ING Mortgage Simplifier (Owner Occupier, Principal & Interest) home loan 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 almost 3 years ago

ING

ING Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest) (Package) home loan 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 about 3 years ago

ING

ING Mortgage Simplifier (Owner Occupier, Principal & Interest) home loan 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 about 3 years ago

ING

ING Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest) (Package) home loan 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 about 3 years ago

ING

ING Orange Advantage (LVR<80%, Owner Occupier, Principal & Interest) (Package) home loan 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 about 3 years ago

ING

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

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Daniel, Queensland, reviewed about 3 years ago

ING

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

Less

Terence, New South Wales, reviewed about 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

  • MOZO EXPERTS CHOICE AWARDS 2019

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

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

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.59% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A Low rate Home Loan with $0 application fees for variable rate, $0 ongoing fees, $0 annual fees
    • Choose between weekly, fortnightly or monthly repayments and make extra repayments for free on a variable rate home loan
    • 20% minimum deposit required
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.59% 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: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2019

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available on new borrowings from $50,000
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
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    More info

  • Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    Virgin Money Reward Me Variable Rate Home Loan (Owner Occupier, Principal & Interest, LVR<80%)

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Competitive rates from 3.69% p.a.
    • No application fees
    • Receive 20,000 Velocity Points for every $100,000 drawn at settlement.
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $150
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $750,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 7 Virgin Money home loan reviews

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    More info

  • Featured product

     

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

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

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you

    interest rate

    3.89% p.a.
    fixed 2 years

    comparison rate*

    4.90% p.a.

    upfront fees

    $400

    Go to site

    More info

    • Option to split your loan into fixed and variable
    • Offset available on the variable rate facility
    • Meet a mobile banker at a time or place that suits you
    • Interest rate: 3.89% p.a.
      fixed 2 years
    • Comparison rate*: 4.90% p.a.
    • Upfront fees: $400
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free up to $30,000 during fixed rate period
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $40,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.7

    Based on 901 ME home loan reviews

    Need more information?
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    More info

  • Featured product

     

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%)

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist

    interest rate

    3.67% p.a. variable

    comparison rate*

    3.69% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Heritage’s current lowest variable interest rate
    • Unlimited extra repayments and unlimited redraw
    • People First service from your own dedicated lending specialist
    • Interest rate: 3.67% p.a. variable
    • Comparison rate*: 3.69% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • 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:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.3

    Based on 243 Heritage Bank 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 522 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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