Looking for an interest rate discount?

Sometimes all it takes is a call.

What you need from your home loan can change over time. So give us a ring and we can sort it out together.

Tell us what you need.

We know what you need from your home loan can change over time. So let us know when that happens. A quick chat with one of our home loan specialists is the easy way to see if we can offer you a reduced rate on your home loan.

As Australia's most recommended bank, our Australian based customer care team is here to support you with your home loan needs. Call us today at 1800 763 066, 9am-6pm Mon-Fri.

Why ING?

We've got products with flexible features, offering great value and we love supporting you with your home loan needs.

Are you looking for something specific for your home loan?

Fixed Rate Loan

For those who want to protect against rising rates and better control repayment amounts for a fixed period

Learn more

Features

What you'll get

A fixed rate with no ongoing monthly or annual account keeping fees for the fixed rate period
Certainty on your repayments each month (for principal and interest loans)
Free to make additional repayments of up to $10,000 per settlement anniversary year without incurring break costs
Option to fix your loan for one to five years

Things to consider

Break costs may apply if you make changes to your loan during the fixed interest period
No offset or redraw facility
Top ups not available during the fixed interest period

Mortgage Simplifier

For those who want a simple, easy-to-use home loan, with no ongoing monthly or annual fees

Learn more

Features

What you'll get

A competitive low variable rate loan with no monthly or annual fees (other fees may apply)
Unlimited additional repayments
Unlimited redraws
Top ups available (subject to credit assessment)
Option to split your loan into a fixed and variable loan (fees apply)

Things to consider

No offset account
Fees may apply for any variations or switches
No rate discount on a fixed rate home loan when split with a Mortgage Simplifier

Orange Advantage

For those who want 100% interest offset to pay off their home loan faster

Learn more

Features

What you'll get

A competitive variable rate
Option to link an ING interest offset account to help reduce the interest you pay
Unlimited additional repayments
Unlimited redraws
No switch fees or valuation fees (Discharge and other fees may still apply)
Top ups available (subject to credit assessment)
Option to split your loan into a fixed and variable loan without incurring a variation fee
Rate discount available on owner occupied Fixed Rate home loans when combined with an owner occupied Orange Advantage

Things to consider

Paying a low annual fee of $299

Or if you want more flexibility, we can do that too - fix part of your loan while keeping a portion variable.

Call us at 1800 763 066 to talk about your home loan needs, 9am-6pm Mon-Fri.

Enjoy some light reading

Some extra information to get the most out of your home loan.

How to get help when you need financial support

Learn more

3 ways to make your home loan part of your daily routine

Learn more