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do your thing

Don't waste your energy.

Turn your ideas into action with Home Energy Helper

Created in partnership with BOOM! Power, Home Energy Helper is the one-stop planning platform that takes the hard work out of making home energy upgrades.

Trusted tradies

Connect with trusted tradies to help with your home energy upgrades.

Smart calculator

Upgrade your home and see what you could save on energy bills

Complete a home energy assessment

See the potential savings eligible energy efficient upgrades could have on your energy bills and emissions.

Get a list of recommended upgrades

Based on your assessment, you'll receive a personalised list of eligible energy efficient upgrades tailored to your home.

Ballpark costs and rebates

Get an understanding of the potential costs of eligible energy efficient home upgrades and what government rebates may be available to subsidise them.

Connect with accredited installers

Find accredited suppliers in your area and connect with them directly through Home Energy Helper so they can provide a quote.

Refinance now and you could pocket $1,500 cashback

Just follow these 3 simple steps

1

Refinance

First, apply for a great rate ING Home Loan that suits your refinance needs.

2

Assess

Next, use Home Energy Helper platform to get a customised list of recommended upgrades that could save you money off your energy bills. You can also choose your own upgrades and installers, just make sure they meet our eligibility criteria.

3

Install

Once we verify your quotes, make sure you install your eligible energy upgrades by 31 December 2025.

Which home loan option fits you?

Add your basic info to learn which ING refinancing option could best fit you.

Purpose:
Repayment type:
Frequency:

Mortgage Simplifier

No ongoing fees & variable rate

0.00 %
p.a.

Variable rate

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p.a.

Comparison rate

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Monthly repayments 

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

Orange Advantage

100% interest offset facility & variable rate

0.00 %
p.a.

Variable rate

0.00 %
p.a.

Comparison rate

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Monthly repayments 

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

Fixed Rate Loan

Repayment certainty & fixed rate

Important: Fixed Rate loans are not currently available for investment purposes where the deposit is less than 20%.

0.00 %
p.a.
0.00 %
p.a.

Comparison rate

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Monthly repayments 

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

How much can I borrow?

In only two minutes you could check your borrowing power

CANSTAR - Bank of the Year 2020 - 2025

Canstar Bank of the Year, after year, after year...

ING has been awarded Canstar Bank of the Year six years running (2020 - 2025) for outstanding value across our suite of products and services.

Australia's most recommended bank is here to help

When you decide to make the switch to a new home loan, here's how it happens with ING.

01

Starting out

Check out our loan products and rates, to make sure ING suits you, then apply online or call 1800 267 809 to speak with a home loan specialist.

02

Staying informed

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

03

A helping hand

If you have any questions along the way, our home loan specialists are here for you.

04

Approval

Once the paperwork is done and approved, we'll move your home loan across and get you settled in.

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 a decision in relation to our products, you should read the relevant terms and conditions, and the Target Market Determinations, available at ing.com.au. ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

Canstar Bank of the Year 2020 - 2025: Canstar has awarded ING Bank of the Year 2025 for the sixth year in a row, recognising the outstanding value ING offers across all our products and services.

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.

Comparison rate: 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.

Total borrowings: Includes the total amount borrowed per application.

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, August 2024 - January 2025 (n = 29,182) when compared to customers of the 10 largest ADIs operating in Australia. ING is Australia's fifth largest main financial institution (MFI) with 5% of market share according to RFI Global's Consumer Atlas Survey, August 2024 - January 2025 (n = 29,182). MFI is defined as the bank that the consumer says is their main financial institution.

NB: 10 Largest ADI's are CBA, Westpac, NAB, ANZ, Macquarie, ING, Bendigo, Suncorp, BOQ, HSBC

*Competitor set for AFR NPS position excludes Up bank and Ubank

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.

$1,500 ING Home Loan Refinance and home energy upgrade 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 $1,500 ING Home Loan Refinance and home energy upgrade cashback promotion ('Promotion') commences on 17 June 2025 and ends on 31 December 2025 ('Promotional Period'), unless extended.
  3. Customers who meet the following eligibility requirements will receive a cashback payment of $1,500 ('Cashback Payment') subject to the terms and conditions of this Promotion ('Eligible Customers'):
    1. Customers must be Australian residents aged 18 years or over;
    2. Customers must be approved for a new ING Home Loan (Mortgage Simplifier, Orange Advantage or Fixed Rate Loan) ('new ING Home Loan') within the Promotional Period (the 'Application');
    3. The Application must include the refinance of an existing home loan from another lender and be for a total loan amount of at least $350,000. The total loan amount must exclude refinances of existing ING loans;
    4. Customers must:
      1. use the Home Energy Helper platform to purchase and install one or more eligible home energy upgrades; or
      2. purchase and install one or more eligible home energy upgrades through an installer that has been approved by ING, on the security property for the new ING Home Loan during the Promotional Period;
    5. The new ING Home Loan must have a loan to value ratio (LVR) of 80% or less;
    6. The new ING Home Loan must settle on or before 31 December 2025;
    7. An active ING Orange Everyday transaction account must be held in the same name(s) as the new ING Home Loan at the time that the Cashback Payment is made (which will occur within 70 days after settlement).
    8. Customers must provide ING with evidence of the installation of their selected home energy upgrade(s) by submitting a final invoice by 31 December 2025.
  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 new ING Home Loan. This payment will be made within 70 calendar days of receipt of the final invoice evidencing the installation of the selected home energy upgrades. Where an Eligible Customer has more than one ING Orange Everyday account held in the same names as the new 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 Eligible Customer has not received the Cashback Payment after 70 calendar days, they are to contact ING.
  5. The Promotion is limited to one Cashback Payment per Application irrespective of the number of:
    1. properties or borrowers included on the Application;
    2. loan accounts that are being opened through the refinance or
    3. energy upgrade(s) installed on the property(ies)
  6. The Promotion is not available in conjunction with any other promotions.
  7. Any potential Cashback Payment will not form part of ING's credit assessment of whether a customer could service the new ING Home Loan.
  8. ING accepts no responsibility for any tax implications that may arise from the Cashback Payment. Eligible customers may need to seek advice from the Australian Tax Office or their own taxation adviser or independent financial adviser.
  9. ING may, acting reasonably, change or withdraw the Promotion at any time with notice to customers via https://campaigns.ing.com.au/homeloans. Any application submitted after the withdrawal date will not be eligible for this Promotion.
  10. These Terms and Conditions are current as at 25 August 2025.