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Creating a more energy efficient home is easier with ING

With Home Energy Helper and an ING Green Upgrade Loan, turning your energy efficiency 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 on your energy bills

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

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

To help you make eligible energy upgrades.

Competitive interest rate and no upfront fees

Save more with no upfront or monthly fees and a low 5-year fixed rate.

Get $500 cashback

When you install your approved upgrades by 31 March 2026 - so apply now.

NEW! BYO installer or use Home Energy Helper

We're all about making it easier to create a more energy efficient home. So now you can access our ING Green Upgrade Loan - plus $500 cashback when you install by 31 March 2026 - whether you use an accredited installer through the Home Energy Helper or an eligible BYO installer.

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

4.82 %
p.a.

Owner-occupier comparison rate

Investor

3.74 %
p.a.

5-year Fixed rate

4.91 %
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.

Combine schemes and you could save $7,211 in NSW

Combine Australia's Small-scale Renewable Energy Scheme with the new Cheaper Home Batteries Program, and you could save $7,211 off the cost of a typical rooftop solar and home battery system.

So grab a quote now with Home Energy Helper to see how much you could save on a more energy efficient home.

Get a no obligation quote

Rebate amount based on a 13kWh battery and a 9kw solar system, both at average current market price of $37 per STC.

You could pocket $500 cashback too

Take out an ING Green Upgrade Loan and you could save even more, with $500 cashback - compliments of ING - when you install your eligible upgrades by 31 March 2026.

Just follow the steps below

Apply now in 4 easy steps

Remember, install your eligible energy upgrades by 31 March 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 31 March 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.

Plus, you'll also get $500 cashback, compliments of ING.

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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Information and interest rates are current as at the date of publication and are subject to change.

This information does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Before making any decision in relation to our products, you should read the relevant Terms and Conditions booklet and Fees & Limits Schedule available at ing.com.au issued by ING Bank (Australia) Limited. ING recommends you seek independent financial or taxation advice where appropriate.

The relevant fixed rate that applies to a loan is the one that is available on the date of settlement or the date the fixed rate period commences, unless the customer locks in another fixed interest rate using the fixed rate lock-in feature (fees apply). At the end of the fixed interest period, the interest rate will convert to the Mortgage Simplifier variable rate. To refinance to ING you must have a maximum LVR of 80% or less. Fixed rate break costs are not applicable on the Green Upgrade Loan, however they may apply to other Fixed Rate Loans in certain circumstances such as if you repay or vary your fixed rate loan before the fixed rate term expires. These costs may be substantial. Refer to the ING Home Loan Terms and Conditions for more detail on break costs and when it is payable or contact 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.

Total borrowings: Includes the total amount borrowed per application.

Eligibility and credit criteria apply.

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.

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.

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.

The information contained on this website is for general information purposes only. All information in relation to the Platform is provided by BOOM! Power based on the information about your home that you provide. Estimated energy and emissions savings are calculated by BOOM! Power by estimating how much gas and electricity your home currently uses on an hour-by-hour basis. This is then compared to the amount your home will potentially use after the selected home energy upgrades are installed. BOOM! Power use typical electricity and gas prices for your region to calculate the potential savings. ING makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the Platform on the website or the information, products, services, or related graphics contained on the Platform on the website for any purpose. Please be aware that there is no contractual relationship between you and ING for the installation of the home energy upgrades and you will need to pursue any issues or claims with the installer directly.

The estimates you receive on the Platform are not a quote or binding agreement and are generated by BOOM! Power based on information provided by you. The actual price for the provision of this service will be determined following a visit to your home by an approved installer. ING accepts no responsibility for the accuracy of this estimate.

$500 ING Green Upgrade Loan Cashback Promotion Terms and Conditions

  1. The Promoter is ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian Credit Licence 229823.
  2. This $500 ING Green Upgrade Loan Cashback Promotion ("Promotion") commences on 1 October 2025 and ends on 31 March 2026 ("Promotional Period"), unless extended.
  3. Customers who meet the following eligibility requirements will receive a cashback payment of $500 ("Cashback Payment") subject to the terms and conditions of this Promotion ("Eligible Customers"):
    Customers must;
    1. Be an Australian resident, aged 18 years or over.
    2. Be approved for a new ING Green Upgrade Loan ('new ING Green Upgrade Loan') within the Promotional Period (the 'Application');
    3. Complete the purchase and installation of one or more eligible energy efficient home upgrade(s) by 31 March 2026, by either:
      1. using an installer on the Home Energy Helper platform; or
      2. using an eligible BYO installer.
    4. Hold an active ING Orange Everyday transaction account in the same name(s) as the new ING Green Upgrade Loan at the start of the Green Upgrade Loan application.
  4. Eligible Customers will receive the Cashback Payment as a deposit into an ING Orange Everyday transaction account held in the same names as the ING Home Loan. This payment will be made within 70 calendar days of settlement of the ING Green Upgrade Loan. Where an Eligible Customer has more than one ING Orange Everyday account held in the same names as the ING Home Loan, ING will determine which account will receive the Cashback Payment. The Eligible Customer cannot nominate an account for this purpose. If the customer has not received payment of the cashback after 70 calendar days, they are to contact ING.
  5. Promotion is limited to one $500 cashback per ING Home Loan customer irrespective of the number of:
    1. properties or borrowers included on the ING Home Loan; or
    2. energy upgrade(s) completed on the property(ies).
  6. The Promotion is not available in conjunction with any other promotions.
  7. The Promotion is not available to customers who have not provided their consent, or have withdrawn their consent, to receive promotional communications from ING at any stage during or before the Promotional Period.
  8. Any potential Cashback Payment will not form part of ING's credit assessment of whether a customer could service the ING Home Loan and any ING Green Upgrade Loan.
  9. ING accepts no responsibility for any tax implications that may arise from the cashback. Eligible customers may need to seek advice from the Australian Tax Office or their own taxation adviser or independent financial adviser.
  10. ING may, acting reasonably, change or withdraw the Promotion at any time with notice to customers via campaigns.ing.com.au/green-homeloans. Any application submitted after the withdrawal date will not be eligible for this Promotion.
  11. These Terms and Conditions are current as at 1 October 2025.

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