ING home loan reviews

ING
ING's overall rating for home loans

(as rated by the Mozo community)

8.1 / 10

based on 185 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from ING

Recent ING home loan reviews

ING

ING Fixed Rate Loan (Owner Occupiers with Orange Advantage) 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 (VIC), reviewed 3 days 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Andrew (NSW), reviewed 17 days 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Donna (NSW), reviewed 6 months 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Anita (TAS), reviewed 10 months 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Charmaine (QLD), reviewed 11 months 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Kym (SA), reviewed 11 months 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 (VIC), reviewed over 1 year 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 (WA), reviewed over 1 year 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 (NSW), reviewed over 1 year 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 (QLD), reviewed over 1 year 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 (QLD), reviewed over 1 year ago

ING

ING Fixed Rate Loan (Owner Occupier) 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 (QLD), reviewed over 1 year 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

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Terence (NSW), reviewed over 1 year ago

ING

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

Overall rating   9 / 10

Simple, Easy to deal with & great customer service

Got a competitive rate with ING for home loan. Dealt with them over the phone a few times and everytime they have been really helpful and easy to deal with. No frustrations.

Full review

Got a competitive rate with ING for home loan. Dealt with them over the phone a few times and everytime they have been really helpful and easy to deal with. No frustrations.

    Price   9 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   4 / 10

    Trust   9 / 10

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Jason (TAS), reviewed over 1 year ago

ING

ING home loan review

Overall rating   9 / 10

Love this bank

We have been with them for years never any issues

Full review

We have been with them for years never any issues

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Rachell (QLD), reviewed almost 2 years ago

ING

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

Overall rating   6 / 10

Great customer service

Happy with them always helpful anytime. Only con is yhey don't have any branches where you can draw out money only ATM's but they do pay the fees involved.

Full review

Happy with them always helpful anytime. Only con is yhey don't have any branches where you can draw out money only ATM's but they do pay the fees involved.

    Price   6 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   3 / 10

    Trust   7 / 10

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Jennifer (SA), reviewed almost 2 years ago

ING

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

Overall rating   7 / 10

Excellent simple loan and great customer service.

ING have very helpful staff that take time to ensure all of my queries are met each time I have contacted them on the phone. This gives me confidence that ING have staff knows what they are doing. Their mortgage simplifier is indeed simple to...

Full review

ING have very helpful staff that take time to ensure all of my queries are met each time I have contacted them on the phone. This gives me confidence that ING have staff knows what they are doing. Their mortgage simplifier is indeed simple to understand, a no frills loan that allows me to view and manage it online as well as receive 6 monthly statements. As they don't have branches in my town I do everything online and this is very adequate for my needs, however this may be something people need to be aware of if they need to speak to someone face to face. Their rates are competitive to other lenders and if they increase the rates it is done prior to giving written notice (only by 2-3 weeks usually).

    Price   5 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Darran (QLD), reviewed almost 2 years ago

ING

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

Overall rating   10 / 10

Innovative bank of our time

ING is the best bank for products, customer service and innovation with new ideas to improve services and benefits.

Full review

ING is the best bank for products, customer service and innovation with new ideas to improve services and benefits.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Catherine (QLD), reviewed almost 2 years ago

ING

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

Overall rating   10 / 10

Awesome product, awesome service. Simply the best.

I switched to ING three years ago and I've never looked back.

Full review

I switched to ING three years ago and I've never looked back.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Anne (WA), reviewed almost 2 years ago

ING

ING Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   7 / 10

Very competitive rates

Very helpful staff. Always happy to review interest rate to keep business.

Full review

Very helpful staff. Always happy to review interest rate to keep business.

    Price   7 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Leesa (SA), reviewed almost 2 years ago

ING

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

Overall rating   8 / 10

Fantastic customer service and don't need branches

Never had a hassle but on the odd times I have called for info or assistance they fix and are great with their customer service .. I am a happy customer.

Full review

Never had a hassle but on the odd times I have called for info or assistance they fix and are great with their customer service .. I am a happy customer.

    Price   3 / 10

    Features   3 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Matt (SA), reviewed almost 2 years ago

ING

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

Overall rating   7 / 10

Zero fees, higher interest rate

Great having no fees and ability to redraw any amount at any time, but interest rate isn't as competitive as it used to be.

Full review

Great having no fees and ability to redraw any amount at any time, but interest rate isn't as competitive as it used to be.

    Price   7 / 10

    Features   10 / 10

    Customer service   6 / 10

    Convenience   8 / 10

    Trust   6 / 10

Less

Jarrad (ACT), reviewed almost 2 years ago

ING

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

Overall rating   8 / 10

Generally happy!

I have been very happy with ING in general, but I have seen the interest rates start to creep up compared to other offer financial institutions, which is not great!

Full review

I have been very happy with ING in general, but I have seen the interest rates start to creep up compared to other offer financial institutions, which is not great!

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Leola (NSW), reviewed almost 2 years ago

ING

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

Overall rating   10 / 10

Fantastic products and service

Have had my mortgage with ING for 7 years and would not consider any other company.

Full review

Have had my mortgage with ING for 7 years and would not consider any other company.

    Price   10 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Tristan (TAS), reviewed almost 2 years ago

ING

ING Fixed Rate Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Great service

Have been with ING since 2005, nothing but positive comments! Great customer service, even though there is no office in SA!

Full review

Have been with ING since 2005, nothing but positive comments! Great customer service, even though there is no office in SA!

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Martin (SA), reviewed almost 2 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.54% p.a. variable
    • Comparison rate*: 3.56% 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
    Overall rating

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

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

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

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required

    interest rate

    3.74% p.a. variable

    comparison rate*

    3.74% 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
    • Interest rate: 3.74% p.a. variable
    • Comparison rate*: 3.74% 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: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

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

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

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • 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

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

Want more? Compare all 527 home loans in the Mozo comparison engine.

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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