From 15/10/2025, all Orange Everyday customers will automatically get access to 1% cashback on eligible utility bills (T&Cs apply), $0 ING international transaction fees, and $0 ING international ATM withdrawal fees - all without needing to meet any monthly eligibility requirements. For domestic ATM withdrawals, there will continue to be no fees charged by ING, but third party operator fees will no longer be rebated.

Existing Orange Everyday benefits will continue to apply up until 14 October 2025 for customers that met the eligibility criteria in September 2025, as well as eligible home loan customers.

A great rate's just
the tip of the perksberg

Refinance now Call 1800 267 809
Variable rate
Comparison rate
Link to comparison rate warning

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

Refinance and you could pocket $1,500 cashback

A great rate isn't the only perk that comes with an ING Home Loan. Look below the surface and you'll discover a whole lot more, including:

  • 1% cashback on eligible utility bills (up to $100 per financial year) and $0 ING international transaction fees on online and overseas purchases with your Orange Everyday linked account
  • Access to our Green Upgrade Loan, a low 5 year fixed rate loan with no upfront fees or break fees

Plus, when you refinance and install eligible energy upgrades by 31 December 2025, you could pocket $1,500 cashback too.

So if you want to be sitting pretty on a perksberg, refinance with ING Home Loans today.

Refinance now Call 1800 267 809

How to pocket $1,500 cashback

Just follow these 3 simple steps

Here's how

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, proceed ahead to install your eligible energy upgrades by 31 December 2025.

Once done, you'll get $1,500 cashback to spend how you like.

Refinance now

Save on energy with Home Energy Helper

Created in collaboration with BOOM! Power, Home Energy Helper shows what you could save and takes the hassle out of finding trusted tradies and getting quotes.

In minutes you can:

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.

Home Energy Helper

Which home loan option fits you?

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

Purpose:

Total borrowings:

Min total borrowings amount is $150,000

LVR:

Repayment type:

Frequency:

Loan term:

  • Purpose:
  • Total Borrowings:
  • LVR:
  • To live in
  • $500K - $1Million
  • 60% or less

Mortgage Simplifier

No ongoing fees & variable rate

Variable rate

Comparison rate

/Monthly repayments 

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

Orange Advantage

100% interest offset facility & variable rate

Variable rate

Comparison rate

/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%.

Special Offer Special Offer Special Offer

4YR fixed rate

Comparison rate

/Monthly repayments 

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

Important information

How much can I borrow?

In only two minutes you could check your borrowing power.

Calculate now

Calculate how much you could save

Use our refinance calculator to get an idea of how much you could save on your home loan.

Please note: This calculator is only relevant if you currently have a variable rate, Principal and Interest loan with a Loan to value ratio (LVR) of 80% or less and a remaining term of 30 years or less. To refinance to ING you must have a LVR of 80% or less.

  • MSOO60% or less
  • MSOO60.01% - 70%
  • MSOO70.01% - 80%
  • MSOO80.01% - 90%
  • MSOO90.01% - 95%
  • OAOO60% or less
  • OAOO60.01% - 70%
  • OAOO70.01% - 80%
  • OAOO80.01% - 90%
  • OAOO90.01% - 95%
  • MSINV60% or less
  • MSINV60.01% - 70%
  • MSINV70.01% - 80%
  • MSINV80.01% - 90%
  • OAINV60% or less
  • OAINV60.01% - 70%
  • OAINV70.01% - 80%
  • OAINV80.01% - 90%
About your current loan

Loan balance:

Min borrowing amount is $150,000

Term remaining (years):

Current interest rate:

Repayment frequency:

Choose an ING variable rate home loan to compare

Purpose:

Product:

LVR:

Principal & Interest rate:

Comparison rate:

How much could I save?
Option 1: Extra savings in your pocket

By switching your loan to ING and paying your new minimum repayment amount you could save:

Interest savings

$0

Each fortnight

Option 2: Pay down your home loan faster

By moving to ING and keeping your repayments the same as they are now (with your current lender) you could save:

Interest savings

$0

Over the life of your loan

0 month(s)

Off the term of your loan

Based on the information you input about your current loan it seems you may be better off staying with your current lender.

What about fees? Even if your repayments or interest charges could be lower if you switch to ING, it is important to note that it may take some time to recoup the costs of switching. This calculator does not take into consideration discharge fees, legal fees or any applicable break cost fees which you may incur when leaving your current lender ,nor does it take into account the cost of any settlement fees or charges that apply to a new ING home loan. Please consider your personal situation and the impact of any fees and charges that might apply to a switch or on an ongoing basis.

Important: Results of the refinance calculator are not an offer of credit. Any application for credit is subject to ING's credit approval criteria. The amounts above are indicative only. For more information please refer to the 'How this calculator works' section below.

  • The results provided are estimates based on the interest rate entered by the customer and the current applicable ING interest rate, and do not account for changes that may occur over the life of the loan e.g. changes to the interest rate.
  • The customer is making the minimum P&I repayments on the current loan, based on the entered remaining loan balance, interest rate and term remaining.
  • The term remaining entered is in whole years.
  • The ING loan balance will be same as the current loan balance, based on LVR of up to 80%.
  • The ING loan term will be same as the term remaining on the current loan.
  • Each year has 12 equally sized months, 26 fortnights and 52 weeks. In reality, many loans accrue on a daily basis leading to a varying number of days' interest dependent on the number of days in the particular month.
  • The customer will make the same repayment amount for the entire loan duration, even though minimum repayment amounts will likely change for a variety of reasons, including to reflect interest rate changes and changes to repayment type (e.g. to interest only).
  • Repayments are payable, and interest is charged, monthly and on the same day.
  • The calculation assumes you are only making the minimum repayment calculated for your current loan, and not a different amount.
  • The results in Option 2 assume the customer will set repayments for the example ING loan at the amount estimated by this calculator as being the minimum repayment amount their current loan, instead of the default minimum repayment setting for the example ING loan.
  • The minimum repayment of the current loan is calculated based on amortisation of the loan balance entered, the interest rate entered and the remaining term in whole years. Minimum repayments are calculated so that the loan is paid off at the end of the specified term remaining.
  • Where monthly repayments are noted, the calculator assumes 12 equal payments each year. Where fortnightly repayments are noted, the calculator assumes 26 equal payments each year.
  • Estimated repayments are rounded to at least the nearest cent.
  • The Principal and Interest rates displayed are for ING's variable rate products with a maximum LVR of 80%.
  • The current loan is a variable rate facility and no break costs are applicable.
  • Whole months for interest and repayments.
  • The savings estimated in this calculator do not take into consideration any fees incurred in the switching process (e.g. discharge fees, legal fees and other switching costs including application and settlement fees), nor the cost of any ongoing fees.
  • The savings estimated in this calculator do not take into consideration a difference you may pay in your current annual fee and the selected ING product annual fee.
  • The results in Option 2 provides an estimate of the difference in the total interest payable of each loan, between the term remaining of the current loan and the reduced term based on the continued payment of the minimum repayment amount of the current loan.
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.

1. 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.

2. Staying informed

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

3. A helping hand

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

4. Approval

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

Helpful reading to grow your knowledge

House & Home

Refinancing explained

8 min read

House & Home

Should you refinance?

11 min read

House & Home

Getting the most out of refinancing your home loan

7 min read

House & Home

When to refinance your home loan

9 min read

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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 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.

Orange Everyday account Benefits for ING Home Loan Customers prior to the 15/10/2025.

Please refer to the ING website for more information about the updates to benefits for Orange Everyday 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.

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.

$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.

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.

Questions? Call: 1800 267 809

Refinance now