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ING First Home Truths

do your thing

The road to first-home ownership starts here.

You've committed to buying your very first, very own home. That's the first major step done. Brilliant. Now comes the rest. And if we're honest (and we will be honest) there's a long and tricky way to go. But don't sweat it. Everything you need to know to complete the trek like a pro is right here. So, if you really, really want your own place, you've started in the right place. Ready?

  • Saving

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  • Researching

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  • Looking

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  • Buying

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Saving

Home Loan Jargon Busters

Get savvy with the financial terms and phrases you'll encounter.

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Savings strategies to get you your first home

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Want it all (and all at once)? Tips to save for multiple goals

Find out how these people saved for not one but two (or more) goals at once.

7 min read

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My breakup helped me triple my first home deposit savings. Here's how

How a big change forced one millennial to re-wrangle her budget.

8 min read

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Deposit devotion: six tips for getting your home loan savings on track

From opening multiple accounts to taking stock of all those subscriptions.

6 min read

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Seven budget-friendly ways to keep doing your thing (while saving for a deposit)

Life doesn't stop just because you're saving for a home. Here are some ways you can still have fun while your deposit grows.

6 min read

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Successful saving strategies for your dream home

Looking to save for your first home? Canna Campbell tells us how she did it, so you can too.

9 min read

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How, where, when to finally fix your finances

Canna Campbell gives us her tips on getting on top of your finances and fostering financial wellbeing.

9 min read

Essentials to know when starting out saving

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Getting real about home-buying costs

Common first-home money matters worth planning for.

9 min read

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Five tips to boost your first-home savings

From freelancing on the side to planning for success (... and the unexpected).

8 min read

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Our five-step guide to owning your own home

Wondering how to start laying the slab? Here's our guide (featuring more home-related puns).

6 min read

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We're getting on the property ladder unconventionally. Here's how

From joining forces with family to finding freedom in a tiny house.

10 min read

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How I did it: making my first-home dream come true

Young Aussies share their journey from saving for a deposit to opening their own front door.

7 min read

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Buying your first home? Our guide to keeping your eyes on the prize

Buying a home doesn't come with instructions. Here's a checklist of the steps you can take.

9 min read

Get the stories from those who have done it

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Xander, All the single savers

Xander reveals his pay yourself first approach and how it helped speed the home-savings goals that mattered most to him.

1 min view time

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Sang Saving

Sang explains family home buying as a fine balance between what's right for the kids what's left in the bank each month.

1 min view time

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Jen and Ewan Saving

Ewan and Jen talk about drinking the home saver Koolaid and their transformation from money blowers to money growers.

1 min view time

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Meet the Savers: Goal-Setting Sarah

Meet Sarah the goalsetter. Find out how she keeps her eyes on the prize by naming her accounts after her goals.

1 min view time

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Meet the Savers: Auto-Saving Jen

Meet Jen the auto-saver. Hear how Jen uses automatic payments to reach her savings goals (while still treating herself).

1 min view time

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Meet the Savers: Budgeter Jason

Meet Jason the budgeter. He keeps his savings on track by creating a budget that matches his goals.

1 min view time

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Meet the Savers: Round-up Mark

Meet Mark, who saves a little extra each day. Find out how Everyday round up in the ING app helps him save all the time.

1 min view time

Researching

Home Loan Jargon Busters

Get the word on the words to know as you start to look deeper.

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The ins and outs of borrowing and lending

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How to research home loans like a pro

It's all about asking a few key questions - and prepping some key answers.

9 min read

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Before you borrow: here are some of the things you need to know about borrowing power

From savings to expenses, income to credit score, debts to assets, plus more.

8 min read

Your first-home options

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Want to buy a first home fixer-upper? Here are some things you should know

Thinking about a fixer-upper for a first home? Consider these thought starters first.

4 min read

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Got your heart set on a fixer-upper as your first home? Seven expert tips to realise your reno dreams

Renovation and real estate expert Belinda Smith's top tips to make a fixer-upper home.

5 min read

Get a little more from the experts

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Get the low-down on boosting your borrowing power from an ING Home Loan Specialist

An expert's guide to levelling up in the borrowing game.

10 min read

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Here's how a buyer's agent can help you buy (or find) your first home

Thinking buyer's agent? Here's a closer look at how they can guide you on your home-buying journey.

5 min read

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Buyer's agent

Rich lays out how a good buyer's agent can help smooth every step when you get to the all-important purchasing part.

1 min view time

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Loan specialist

Meet ING Home Loan Specialist, Belinda. Get the 101 on borrowing power, figuring a deposit, and sorting pre-approval.

1 min view time

Here's how to find the one

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Selecting your suburb

Schools to shops, bars to bus routes, there's lots to consider when choosing your suburb. Here's some things to consider.

1 min view time

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Home research hacks

Research is work, but doesn't need to be hard. Find out how to smooth out the search with the right resources and tools.

1 min view time

Looking

Home Loan Jargon Busters

Let's turn real estate-speak into real language as you hunt for your home.

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The things to do before you buy

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Getting ready to bid

Auction time is a whirlwind, but preparation pays. Here are four steps you can take to keep your cool so you can rule.

9 min read

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First home buyer cheat sheet

Track your progress along the path to home ownership by ticking off key steps as you complete them and see at a glance what's still to come.

10 min read

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Real Estate agents

Kelly proves that agents are human and that asking them the right questions can help you be a better property player.

1 min view time

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What's the difference? Private treaties versus auctions

Auction or private treaty? Find out the differences of these two key selling styles.

7 min read

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New places, new faces: meet the who's who of the home-buying process

Who they are, what they do and how you can make the most of their expertise.

10 min read

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In it to win it: here's how to tackle buying at auction

From research to tactics, handy tips to handle the auction action.

10 min read

The next steps after your bid or offer

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The final checks

Before you sign on the dotted line, know exactly what you need to cross off your pre-purchase checklist.

1 view time

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You've made the winning bid or offer! What happens now?

Seven steps to go from win to moving in.

8 min read

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So you've found the perfect place: find out from an expert what happens next

From finding the one to deciding to buy - real estate agent Kelly Santos zooms in on this stage in the home-buying journey.

7 min read

Buying

Home Loan Jargon Busters

All set to settle? Let's find out what they mean when they say 'settlement'.

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Top tips to get those keys in your hands

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New house, new budget: how I managed my money after I moved into my first home

How Sophie's budget and lifestyle changed (a little or a lot) when she bought her first home.

6 min read

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So you bought a house! Here are some tips for moving in

Ready to move? From one month out to moving day, here are the things to think about.

6 min read

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How to reduce your mortgage along with your anxiety

Canna Campbell tells us her simple tricks to get on top of your home loan worries.

4 min read

Get the stories from those who have done it

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'Plan and then go for it': how Sang found her family a home

Sang took a townhouse and made it a home. Get her tips on finding the right place for a growing family.

6 min read

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'If you want it, go for it': how Sophie and Tim bought their first home together

Young couple Sophie and Tim went in on a home together. Get their tips on finding the right place for two.

5 min read

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'I'm ready': how Alysha bought her first property with the help of a buyer's agent

Looking to buy and thinking buyer's agent? Find out how Alysha used one to smooth out her home-buying journey.

4 min read

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'Use the 8/10 rule': how Xander bought his first home on his own

Xander went solo to buy his first home. Here's how he went from 'I'll never get there' to 'I'm home'.

7 min read

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Xander, Buying solo

Solo buyer Xander explains how a less than 20% deposit is doable and gives a heads-up on the circling flock of fees.

1 min view time

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Sang Buying

Sang, the sage family home buyer, says know your grants, think first home before dream home and choose the right suburb.

1 min view time

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Jen and Ewan Buying

Jen and Ewan share the philosophy that helped them pace themselves and minimise emotion on their path to home ownership.

1 min view time

Truth translator

Use this to remove excess gloss from the glossary of real estate words, phrases and cliches designed to lure and excite you.

Hidden gem

All About The Views

Renovator's Delight

Quaint

Extremely Motivated Seller

Cosy

Charming

Great Neighbourhood

One-Of-A-Kind

Gourmet Kitchen

Plus Study

Minimalist

Close To Shops

Heritage

Exclusive

The truth

Gem? Yes. Hidden? Absolutely not. Everybody from the greater metropolitan area and beyond knows about it and they're all coming to check this puppy out.

Buying Cost Calculator

Do the math on what you may need to borrow to buy, right here

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Property details

Amount will be calculated based on your property value

See your cost breakdown

This is the approximate breakdown of all your buying and upfront costs

Your upfront costs could be

$0.00

Government Fees

Stamp duty $0.00
Mortgage registration fee $0.00
Title transfer fee $0.00
Total Government Fees $0.00

ING Fees and Charges

Annual fee $0.00
Settlement fee $299.00
Estimated Lenders Mortgage Insurance (LMI) $0.00
Total ING fees and charges $0.00

Additional fees and charges may apply depending on your individual circumstances and the loan products you choose.

Other Costs

Valuation fee
Conveyancer / Solicitor fee
Building inspection report
Pest inspection report
Home insurance
Other
Total Other Costs $0.00

Your upfront costs could be

$0.00
Your deposit $0.00
Government fees +$0.00
ING fees and charges +$0.00
Other costs +$0.00
Total $0.00

Applying for a home loan

1

Starting out

It only takes 10 minutes to get started online, or you can call 1800 100 253 to speak with a home loan specialist.

2

Staying informed

As your application progresses, we keep you updated via online tracking, SMS and email.

3

Getting a hand

For questions and help, our home loan specialists are here for you from application to settlement.

Find out your borrowing power

Work out how much you may be able to borrow based on your income and expenses.

Calculate now

Home loan repayments calculator

Work out the minimum fortnightly or monthly repayments for any proposed loan amount.

Calculate now

We are here to help

Call 133 464 8am-8pm Mon-Fri or 9am-5pm Sat (AEST/AEDT)

ING buying costs calculator:
The buying costs calculator is an approximate guide only. The output of the calculator is subject to the accuracy of the inputs and the assumptions of the calculator. The results do not take into account your personal circumstances and should not be relied upon for the purposes of making a decision in relation to a credit or financial product. Any advice given is general advice only and does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. ING recommends you seek independent financial and/or legal advice. The buying costs calculator gives an indication of the amount of costs you could incur, based on the parameters entered, namely property value for stamp duty purposes and purchase type. The calculator does not include outgoings after the date of purchase and assumes the purchase price will include all relevant adjustments for outgoings, such as rates, land tax, home and contents insurance etc. Speak to your solicitor or conveyancer for more information. Reports are to be used as a guide only. The formulae used within this calculator may change at any time without notice. Any application for credit is subject to ING's eligibility and credit approval criteria. Fees and charges apply. The calculators are provided by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

Join Australia's Most Recommended Bank.

From first timers to veteran buyers, we can help you achieve your property goals.

Purpose:

Borrowing:

Deposit:

Repayment type:

Frequency:

Loan term:

  • Purpose:
  • Borrowing:
  • Deposit:
  • To live in
  • $500K - $1Million
  • ≥ 20%

Mortgage Simplifier

No ongoing fees & variable rate

Variable rate

Comparison rate

/Monthly repayments 

Based on a 30 year $500,000 loan paying P&I.

Orange Advantage

100% interest offset facility & variable rate

Variable rate

Comparison rate

/Monthly repayments 

Based on a 30 year $500,000 loan paying P&I.

Fixed Rate Loan

Repayment certainty & fixed rate

Important: Interest Only repayments are not currently available on any of our Owner Occupied fixed rate loans.

Special Offer Special Offer Special Offer

4YR fixed rate

Comparison rate

/Monthly repayments 

For the fixed interest period 30 year $500,000 loan paying P&I.

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 should read the relevant Terms and Conditions booklet and Fees and Limits Schedule available under our Documents & Forms page. To view these documents you may need Adobe Acrobat. Eligibility and credit criteria apply. 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 is Australia's most recommended bank according to RFi XPRT Survey, December 2021 - May 2022 (n = 32,026) when compared to customers of 20 other banks operating in Australia. It is also Australia's fifth largest main financial institution (MFI) with 6% of the market share according to RFi XPRT Survey, December 2021 - May 2022 (n = 32,026). MFI is defined as the bank that the consumer says is their main financial institution.