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Don't waste
your energy.

Save it with Home Energy Helper and an ING Green Upgrade Loan.

Call 1800 467 415

Creating a more energy efficient home is easier with ING

With Home Energy Helper and an ING Green Upgrade Loan, turning your energy efficient ideas into action is now easier - and potentially more affordable - than ever. So don't waste your energy. Start creating a more energy efficient home today with ING.

Save energy with Home Energy Helper

  • See where you can save quickly and easily

    Created in collaboration with BOOM! Power, Home Energy Helper takes the hard work out of making home energy upgrades.

  • Get expert help sourcing competitive quotes

    With BOOM! Power's new Energy Concierge service, qualified electricians can source quotes for you based on your Home Energy Helper answers.

Save money with an ING Green Upgrade Loan

  • Access a separate loan between $5K and $50K

    Exclusive to ING Home Loan customers, an ING Green Upgrade Loan makes it easier and more affordable to complete eligible energy upgrades.

  • Enjoy a low fixed rate and no upfront fees

    Keep more where it counts with no upfront fees and a discounted 5-year fixed rate, supported by Australia's government-owned green bank.

Are you a home energy star?

Surprisingly, when it comes to energy efficiency the average Aussie home has an estimate rating of less than 3 out of a possible 10 stars1. But a small improvement can make a big difference. In fact, research shows upgrading your home from 3 to 5 stars could reduce the amount of energy needed for heating and cooling by around 40%2.

Estimate and upgrade easily with Home Energy Helper

Home Energy Helper is a free one-stop shop for home electrification that guides you through the entire upgrade process step by step, so you can spend less energy (and stress) creating a more energy efficient home.

  • Complete an initial home energy assessment
  • Get a tailored list of recommended upgrades
  • Find available government rebates
  • Connect with accredited local installers
  • Request, store and access quotes online

Energy Concierge can even get quotes for you

To make becoming energy efficient even easier, BOOM! Power now also offers the option of an Energy Concierge, staffed by qualified electricians who can source competitive quotes for you. To get started, just answer a few simple questions in Home Energy Helper and book a consultation.

Visit Home Energy Helper

Lock in a low 5-year fixed rate

ING Green Upgrade Loan helps make paying for approved home energy upgrades more manageable with a 5-year fixed rate.

Owner-occupier

3.74 %
p.a.

5-year Fixed rate

5.36 %
p.a.

Owner-occupier comparison rate

Investor

3.74 %
p.a.

5-year Fixed rate

5.42 %
p.a.

Investor comparison rate

For owner occupiers and investors making principal and interest repayments. Different comparison rates apply if the applicable variable rate following the expiry of the fixed interest period is an investor and/or interest only rate. Comparison rate: The comparison rate for the home loan 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.

Apply now in 4 easy steps

Remember, install your eligible energy upgrades by 30 September 2026 and you could pocket $500 cashback too.

1

Complete an online energy assessment

Visit Home Energy Helper and input your details. It'll work out what you could save by making eligible upgrades, including:

  • solar photovoltaic panels and inverters
  • batteries
  • hot water heat pumps*
  • non-ducted single-split air conditioners*
  • induction cooktops.*

*Includes removal of gas connections and relevant gas appliances if required.

Check out the full list here.

Get started
2

Get a quote from an eligible installer

Either jump on Home Energy Helper to find, connect with and request quotes from accredited installers in your area in minutes, or if you like, you can choose to use your own eligible BYO installer instead.

Get a quote
3

Apply by phone

Next, call our home loan specialists on 1800 467 415 to check your eligibility and kick off your Green Upgrade Loan application. Once you provide your final quote and we do a preliminary credit assessment, we can proceed to conditional loan approval.

Call 1800 467 415

8am - 8pm, Monday to Friday, 9am - 5pm Saturday (AEST/AEDT).

4

Pay your invoice

Install your upgrades by 30 September 2026 and once we receive your final invoice from the installer, we'll pop your Green Upgrade Loan funds into your Orange Everyday account so you can pay the installers directly.

What you need to be eligible for a Green Upgrade Loan

Only available to existing ING Home Loan (Mortgage Simplifier, Orange Advantage or Fixed Rate Loan) customers when:

  • you have an existing ING Home Loan balance of $150K or more at time of application
  • the security property has value of $2,500,000 or less at the time of application
  • the LVR of your ING Home Loan is 80% or less once the Green Upgrade Loan is settled
  • you hold an active Orange Everyday in the same name as the ING Home Loan at the start of the Green Upgrade Loan application
  • It is for the purpose of funding the purchase and installation of one or more approved eligible energy-efficient home upgrades on the security property for the existing ING Home Loan. Click here to find out more.

Supported by Australia's Clean Energy Finance Corporation

The ING Green Upgrade Loan is supported by the Clean Energy Finance Corporation (CEFC), an Australian Government-owned green bank set up to help finance Australia's clean energy transition to net zero emissions by 2050. The CEFC's $1 billion Household Energy Upgrades Fund provides discounted finance to consumers through a range of co-financiers to help increase housing sector sustainability.

We're always just a call away

Any questions about borrowing to reno, our home loan specialists are always here to help. Just call 1800 467 415, 8am - 8pm, Monday to Friday, 9am - 5pm Saturday (AEST/AEDT).

Society is transitioning to a low-carbon economy. So are our clients, and so is ING. We finance a lot of sustainable activities, but we still finance more that's not. See how we're progressing on ing.com/climate.

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All applications for credit are subject to ING's credit approval criteria. Fees and charges apply.

You should always consider what's right for you based on your personal needs, objectives and financial situation. Always read the relevant terms and conditions, and the Target Market Determinations, available at ing.com.au before deciding what product's right for you.

Source 1: Rajagopalan, P. et al. (2023), Enhancing Home Thermal Efficiency: Final Report of Opportunity Assessment for Research Theme H2, RACE for 2030 CRC, p.81 indicates an average of 2.17 stars for houses and 2.47 averaged across houses and apartments. Available at: RACE for 2030 H2 Opportunity Assessment Final Report

Source 2: Australian Government, Nationwide House Energy Rating Scheme (NatHERS) (2023), Impact Update: Climate Files on NatHERS 2022 Star Bands. Available at: TIC Report Impact Update Climate Files on NatHERS 2022 Star Bands

ING Green Upgrade Loan

We understand that the term 'green' may be new to you, so when we say 'green' we mean that the purpose of this loan is to finance eligible energy efficient upgrades to a property to improve its energy efficiency and support decarbonisation efforts. Eligible energy efficient upgrades for the Green Upgrade Loan align to the Household Energy Upgrade Fund Technology criteria as defined by the Clean Energy Finance Corporation.

Eligibility and credit approval criteria apply. You may be eligible to increase your existing ING Home Loan with the Green Upgrade Loan provided your existing ING Home Loan meets the conditions below:

  • it has a total balance of $150,000 or more at the time of application
  • the total loan-to-value (LVR) of the existing ING Home Loan and the new Green Upgrade Loan is 80% or less once the Green Upgrade Loan is settled
  • It is for the purpose of funding the purchase and installation of one or more home energy upgrades on the security property for the existing ING home loan
  • the security property of your existing ING Home doesn't exceed $2.5million in value at the time of application
  • you hold an active ING Orange Everyday account in the same names as your ING Home Loan at the time the Green Upgrade Loan is settled.

All applications for credit are subject to ING's credit approval criteria.

The relevant fixed rate that applies to a loan is the one that's available on the date of settlement or the date the fixed rate period commences, unless the fixed rate lock-in feature has been selected (fees apply).

At the end of the fixed rate interest period, the interest rate will convert to the Mortgage Simplifier variable rate.

Fixed rate break costs don't apply to the Green Upgrade Loan but may apply to other Fixed Rate Loans in certain circumstances. e.g., if you repay or vary a fixed rate loan before the fixed rate term expires. As these costs may be substantial you should refer to the ING Home Loan Terms and Conditions for more detail on break costs and when they're payable. You can also call us on 133 464 for an estimate of the break costs that may be payable.

Any additional payments or advanced funds are not available for redraw during the fixed interest period.

ING uses your personal information (including transactional data) for data analytics and to communicate with you regarding products, services and promotions that we think would be of interest to you. See our Privacy Policy at ing.com.au for more information on how ING handles your personal information.

Home Energy Helper

ING Bank (Australia) Limited (ABN 24 000 893 292) (ING) AFSL and Australian Credit Licence 229823, has partnered with BOOM! Power Pty Ltd (ABN 17 616 801 024) (BOOM! Power) to give you access to the Home Energy Helper Platform (Platform). The Platform is intended to help you understand your potential home energy bill savings and emissions reductions, which could result from making home energy upgrades.

If you arrange a home energy upgrade using the Platform, ING and BOOM! Power will receive a commission from the service provider that supplies and installs the home energy upgrade (installer). Installers have commercial arrangements in place with BOOM! Power for the referral of customer enquiries to the installers.

BOOM! Power will not provide any credit assistance to ING customers.

Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.