First home buyer? Let's make it happen

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Variable rate
Comparison rate
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Mortgage Simplifier

  • Unlimited additional repayments
  • Redraw facility
  • Pay off your home loan and save at the same time with Everyday Round Up

Looking for something different? Explore our home loans range below.

do your thing

Your home buyer story starts here

Whether you've saved a deposit, are dreaming big or somewhere in between, we can help you do your thing buying your first home.

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Saving

Find the best tips and tactics to help you build your homeowning habits.

Read more

Researching

Knowledge is power, and we've laid it all out for you in easy-to-digest chunks.

Read more

Looking

Consider what to look for and where to look for it.

Read more

Buying

Achieving your ultimate keys and bubbly moment is what it's all about.

Read more

Starting your first home story

Our free guide is packed with tips, tools and examples to start your story on the front foot.

Download free guide

Borrowing power calculator

Get an estimate of how much you could borrow.

Calculate now

Repayment calculator

Work out how much your home loan repayments might be.

Calculate now

Your ING Home Loan journey

We've got the know-how and resources to help you do your thing.

1
Starting out

It only takes 10 minutes to get started online.

Apply online or call 1800 267 809 to speak with a home loan specialist.

2
Staying informed

(5 minutes)

One of our friendly home loan specialists will review your application, get in touch to answer any questions and guide you through the next steps.

FAQs

Where can I find more information on becoming a first home buyer with ING?

What is redraw?

What is an offset account?

Helpful articles for first home buyers

Boost your understanding of everything from loan jargon to finding your dream property.

The low-down on lenders' mortgage insurance

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Getting the home buying costs on the table

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On that deposit, how much do you really need?

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From ball parks to borrowing power

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From saving to settlement

12 min read

Bidding to win: Top tips for auction day

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How to speak home buying

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Could your home deposit be helped by your super?

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Hack your house research in a day

8 min read

do your thing

More from ING

  • Everyday Banking
  • Savings
  • Credit Cards
  • Home Loans
  • Insurance
  • Super

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). ING recommends you seek independent financial or taxation advice where appropriate.

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.

Orange Everyday Benefits for ING Home Loan Customers

If you hold an ING home loan, you'll automatically be eligible for the following benefits on all Orange Everyday accounts held in your name (either single or joint account) held in your name:

Orange Everyday account benefits:

  • 1% cashback on eligible utility bill payments (up to $100 per financial year);
  • Unlimited rebates on the ING International Transaction Fee; and
  • Rebates on ATM fees for the first 5 fee incurring ATM withdrawals (excludes international ATM operator fees).

Merchants may charge you a separate fee for their services (which is not rebated under these offers).

An eligible utility bill payment is a payment made by BPAY or direct debit (BSB and account number) from your Orange Everyday account for a water, gas or electricity bill from an agreed supplier for the Australian residential address of the account holder.

For more information see the: Orange Everyday Terms and Conditions, Everyday Fees and Limits Schedule, Orange Everyday Benefits Schedule and agreed utility supplier list; and Orange One Fees and Limits Schedule.

ING may change or cancel these benefits at any time, with notice.

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