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

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Liz, South Australia, reviewed 8 months 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 10 months 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 11 months 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 over 1 year 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 over 1 year 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 over 1 year 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 1 year 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 almost 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 2 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 over 2 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 over 2 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 over 2 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 over 2 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 over 2 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

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Terence, New South Wales, reviewed over 2 years 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, Tasmania, reviewed over 2 years 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, Queensland, reviewed over 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, South Australia, reviewed over 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, Queensland, reviewed over 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, Queensland, reviewed over 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 , Western Australia, reviewed over 2 years ago

ING

ING Fixed Rate Loan (Owner Occupier, Principal & Interest) 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, South Australia, reviewed over 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, South Australia, reviewed over 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

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Jarrad, Australian Capital Territory, reviewed over 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, New South Wales, reviewed over 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 (Owner Occupier, Principal & Interest)

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

    • A super-low rate available to purchases & refinance
    • 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

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • 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: 3.64% p.a. variable
    • Comparison rate*: 3.66% 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: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    NAB Base Variable Rate Home Loan Special Offer (Owner Occupier, Principal & Interest)

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility

    interest rate

    3.69% p.a. variable

    comparison rate*

    3.73% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Low ongoing rate
    • No annual or monthly fees
    • Free extra repayments and redraw facility
    • Interest rate: 3.69% p.a. variable
    • Comparison rate*: 3.73% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 95.00%
    • Minimum loan amount: $20,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    6.8

    Based on 2769 NAB home loan reviews

    Need more information?
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    More info

  • 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

    Need more information?
    Go to site

    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 - fees apply
    • 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 242 Heritage Bank 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

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $150

    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: 3.64% p.a. variable
    • Comparison rate*: 3.66% 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?
    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 505 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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