Interest Rates
 Click here for a printer friendly version.
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 
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 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.

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 relevant 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
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new ING security property and borrowings. All rates and information are correct at time of publication and are subject to change. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply.
WARNING:If you select a fixed rate loan, break costs may be payable if, at any time before the fixed rate expires, you (1) pay out your loan, make an additional payment of $10,000 or more, or you make additional payments totalling $10,000 or more in any oneyear period (with the first oneyear period starting on the first day of the fixed interest period), or (2) you ask us to make certain changes to your loan including but not limited to your loan type, your repayment type, your loan purpose, your fixed interest period, the security on your property, your approved loan amount, your loan term, the borrowers on your loan or any other change that requires your loan to be redocumented. You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances. Any additional payments or advanced funds are not available for redraw during the fixed interest period. With an Orange Advantage home loan, a nonrefundable annual fee applies (refer to the Orange Advantage PostSettlement fees and charges located here for more information); and 100% interest offset when linked to our Orange Everyday transaction account and you make a deposit into this account. 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. 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 our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133 464. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.
ING recommends you seek independent financial or taxation advice where appropriate.