Home loans from ING

Interest Rates

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Owner occupier

Orange Advantage

Principal + Interest Interest Rate Comparison Rate
Aggregate Borrowings $1m + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings $500k to $1m and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings $150k + and:
LVR ≤ 80%
% p.a.
% p.a.
LVR > 80% ≤ 90% (incl. LMI)
% p.a.
% p.a.
LVR is > 90%
% p.a.
% p.a.
Aggregate Borrowings less than $150k
% p.a.
% p.a.
Interest only Interest Rate Comparison Rate
Aggregate Borrowings $1m + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings $500k to $1m and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings $150k + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings less than $150k
% p.a.
% p.a.

Mortgage Simplifier

Principal + Interest Interest Rate Comparison Rate
Aggregate Borrowings $1m + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings $500k to $1m and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings $150k + and:
LVR ≤ 80%
% p.a.
% p.a.
LVR > 80% ≤ 90% (incl. LMI)
% p.a.
% p.a.
LVR is > 90%
% p.a.
% p.a.
Aggregate Borrowings less than $150k
% p.a.
% p.a.
Interest only Interest Rate Comparison Rate
Aggregate Borrowings $1m + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings $500k to $1m and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings $150k + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings less than $150k
% p.a.
% p.a.

Fixed rate loans

Principal + Interest Interest Rate Comparison Rate
Owner occupier with Orange Advantage
1 Year Fixed Rate
% p.a.
% p.a.
2 Year Fixed Rate
% p.a.
% p.a.
3 Year Fixed Rate
% p.a.
% p.a.
4 Year Fixed Rate
% p.a.
% p.a.
5 Year Fixed Rate
% p.a.
% p.a.
Owner occupier
1 Year Fixed Rate
% p.a.
% p.a.
2 Year Fixed Rate
% p.a.
% p.a.
3 Year Fixed Rate
% p.a.
% p.a.
4 Year Fixed Rate
% p.a.
% p.a.
5 Year Fixed Rate
% p.a.
% p.a.

Investor

Orange Advantage

Principal + Interest Interest Rate Comparison Rate
Aggregate Borrowings $150k + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings less than $150k
% p.a.
% p.a.
Interest only Interest Rate Comparison Rate
Aggregate Borrowings $150k + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings less than $150k
% p.a.
% p.a.

Mortgage Simplifier

Principal + Interest Interest Rate Comparison Rate
Aggregate Borrowings $150k + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings less than $150k
% p.a.
% p.a.
Interest only Interest Rate Comparison Rate
Aggregate Borrowings $150k + and:
LVR ≤ 80%
% p.a.
% p.a.
Aggregate Borrowings less than $150k
% p.a.
% p.a.

Fixed rate loans

Principal + Interest/Interest Only Interest Rate Comparison Rate
Investor
1 Year Fixed Rate
% p.a.
% p.a.
2 Year Fixed Rate
% p.a.
% p.a.
3 Year Fixed Rate
% p.a.
% p.a.
4 Year Fixed Rate
% p.a.
% p.a.
5 Year Fixed Rate
% p.a.
% p.a.

For the curious:

Aggregate borrowing refers to total new residential ING borrowings, excluding commercial loans.

To be eligible for Orange Advantage & Mortgage Simplifier LVR Based interest rates, the following conditions apply:

  • Applications must be for a new loan with new security property to ING
  • The interest rate applicable is based on the capitalised LVR including any applicable LMI

Fixed loans

Fixed Rate Loans will revert to the current Mortgage Simplifier variable interest rate at the end of the fixed interest period.

Important points to note:

  • Where applicable LVR Based Interest Rates will apply.
  • The interest rate discount that will apply at the end of the fixed interest period will be outlined in the customer's loan documentation

For this to apply, the original loan amount, loan purpose and LVR must be eligible for LVR based interest rates at the time of application

Important info

Information and interest rates above are current as at the date of publication, and are subject to change. All applications for credit are subject to ING's credit approval criteria. Interest rate discounts for LVR 90% or less are available only for new to ING security property. If you apply to borrow more than 80% of the property value, you will be required to obtain Lenders Mortgage Insurance. This offer may be withdrawn at any time. Fees and charges apply. Details of these and the terms and conditions are available at ing.com.au or by calling 133 464.

The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

WARNING: If you select a fixed rate loan, break costs may be payable if at any time before the fixed term expires, you (1) pay out your loan, or you make an additional payment of $10,000 or more, or you make additional payments totalling $10,000 or more in any one-year period (with the first one-year period starting on the first day of the fixed interest period), or (2) you ask us to make certain changes to your loan including to your loan type, your repayment type, your loan purpose or your fixed interest period.

Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to any of our products you, and your clients, should read the relevant Terms and Conditions booklet, available at our website or by calling 133 464. If you, or your clients, have a complaint, please call 133 464 at any time, as we have procedures in place to help resolve any issues you, or your client may have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.