Mortgage Simplifier
Owner-occupierVariableP&IRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
ING Bank (Australia) Ltd Home Loan Rates
Active products
28
Lowest variable
5.99%
Lowest fixed
6.19%
Lowest comparison
6.03%
Last updated
28 July 2026
ING is the Australian arm of the Dutch ING Group, an online-first bank serving over a million Australians. Its Orange Advantage variable home loan is the headline product, with 100% offset and redraw bundled, no monthly account fee, and competitive pricing relative to the Big Four. ING typically prices owner-occupier loans more sharply than investor loans.
What is the lowest ING Bank (Australia) Ltd home loan rate?
The lowest ING Bank (Australia) Ltd variable home loan rate Ratesniffers tracks is 5.99% p.a., and the lowest fixed rate is 6.19% p.a. These figures come from the 28 ING Bank (Australia) Ltd products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does ING Bank (Australia) Ltd offer?
Ratesniffers currently tracks 28 ING Bank (Australia) Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
ING Bank (Australia) Ltd home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 100% |
| Variable Owner-occupier P&I | 5.99% p.a. | 6.03% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.14% p.a. | 6.18% p.a. | 100% |
| Variable Investor P&I | 6.14% p.a. | 6.18% p.a. | 100% |
| Variable Owner-occupier interest-only | 6.14% p.a. | 6.18% p.a. | 100% |
| Variable Investor P&I | 6.14% p.a. | 6.18% p.a. | 100% |
| Fixed 2-year Owner-occupier P&I | 6.19% p.a. | 6.23% p.a. | 100% |
| Fixed 1-year Owner-occupier P&I | 6.24% p.a. | 6.28% p.a. | 100% |
| Variable Investor interest-only | 6.34% p.a. | 6.38% p.a. | 100% |
| Variable Investor interest-only | 6.34% p.a. | 6.38% p.a. | 100% |
| Fixed 3-year Owner-occupier P&I | 6.39% p.a. | 6.43% p.a. | 100% |
| Fixed 1-year Investor P&I | 6.39% p.a. | 6.43% p.a. | 100% |
28 ING Bank (Australia) Ltd home loan products
Orange Advantage
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Mortgage Simplifier
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR —
Mortgage Simplifier
InvestorVariableP&IRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR —
Orange Advantage
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR —
Orange Advantage
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR —
Fixed Rate Loan
Owner-occupier2y FixedP&IExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR —
Fixed Rate Loan
Owner-occupier1y FixedP&IExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR —
Mortgage Simplifier
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR —
Orange Advantage
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR —
Fixed Rate Loan
Owner-occupier3y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Fixed Rate Loan
Investor1y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Fixed Rate Loan
Investor2y FixedP&IExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Fixed Rate Loan
Investor2y FixedInterest onlyExtra repayments
Interest
6.39%p.a.
Comparison*
6.43%p.a.
Monthly repayment
$3,124
LVR —
Fixed Rate Loan
Owner-occupier2y FixedInterest onlyExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR —
Fixed Rate Loan
Investor3y FixedP&IExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR —
Fixed Rate Loan
Investor1y FixedInterest onlyExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR —
Fixed Rate Loan
Owner-occupier4y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Fixed Rate Loan
Owner-occupier5y FixedP&IExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Fixed Rate Loan
Owner-occupier1y FixedInterest onlyExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR —
Fixed Rate Loan
Investor3y FixedInterest onlyExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR —
Fixed Rate Loan
Owner-occupier3y FixedInterest onlyExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR —
Fixed Rate Loan
Investor4y FixedP&IExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR —
Fixed Rate Loan
Investor5y FixedP&IExtra repayments
Interest
6.59%p.a.
Comparison*
6.63%p.a.
Monthly repayment
$3,190
LVR —
Fixed Rate Loan
Investor4y FixedInterest onlyExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Fixed Rate Loan
Investor5y FixedInterest onlyExtra repayments
Interest
6.74%p.a.
Comparison*
6.78%p.a.
Monthly repayment
$3,240
LVR —
Fixed Rate Loan
Owner-occupier4y FixedInterest onlyExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Fixed Rate Loan
Owner-occupier5y FixedInterest onlyExtra repayments
Interest
6.79%p.a.
Comparison*
6.83%p.a.
Monthly repayment
$3,256
LVR —
Negotiate ING Bank (Australia) Ltd rates with a broker
Advertised rates aren't always the rate ING Bank (Australia) Ltd actually approves. Our broker negotiates against your specific scenario, no fee.
Who is ING Bank (Australia) Ltd?
ING is Australia's original branchless bank, operating digital-only since it launched here as ING Direct in 1999, and is part of the global Dutch ING Group. It serves more than 2 million Australian customers with no branch network and no ATM fleet of its own.
Because it carries no branch costs, ING has built its reputation on sharp home-loan pricing and simple products, with its Orange Advantage and Mirror fixed loans among the most compared products in the market.
Who suits a ING Bank (Australia) Ltd home loan?
ING tends to suit borrowers comfortable doing everything digitally who want consistently sharp pricing without paying for a branch network they never use. Its variable rates regularly sit near the top of our leaderboard, so check the live table above to see where it prices today.
Background facts checked 19 July 2026. Rates above refresh independently.
ING Bank (Australia) Ltd home loans: frequently asked questions
What is the lowest ING Bank (Australia) Ltd home loan rate?
ING Bank (Australia) Ltd's lowest variable home loan rate is currently 5.99% p.a., and its lowest fixed rate is 6.19% p.a., based on the 28 ING Bank (Australia) Ltd products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate ING Bank (Australia) Ltd approves, a broker can often negotiate a sharper deal on your scenario.
How does ING Bank (Australia) Ltd's home loan rate compare to the market?
ING Bank (Australia) Ltd's lowest variable home loan rate today is 5.99% p.a., which is 10 basis points below the market median of 6.09% p.a., which puts ING Bank (Australia) Ltd among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where ING Bank (Australia) Ltd sits right now rather than a fixed snapshot.
How many home loan products does ING Bank (Australia) Ltd offer?
Ratesniffers currently tracks 28 ING Bank (Australia) Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is ING Bank (Australia) Ltd competitive for refinancing?
It depends on your loan size and LVR. ING Bank (Australia) Ltd's lowest comparison rate is currently 6.03% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing ING Bank (Australia) Ltd against the sharpest available rate usually pays off.
How often are ING Bank (Australia) Ltd's home loan rates updated?
Ratesniffers refreshes ING Bank (Australia) Ltd's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever ING Bank (Australia) Ltd reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
ING Bank (Australia) Ltd rates by borrower and loan type
The same ING Bank (Australia) Ltd panel, filtered to the scenario you're actually shopping for.
- ING Bank (Australia) Ltd owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- ING Bank (Australia) Ltd investor ratesInvestment lending, interest-only where offered.
- ING Bank (Australia) Ltd refinance ratesRefinance-eligible products versus your current rate.
- ING Bank (Australia) Ltd first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- ING Bank (Australia) Ltd fixed rates1 to 5-year terms where available.
- ING Bank (Australia) Ltd variable ratesFlexible repayments, offset-compatible products.
- ING Bank (Australia) Ltd interest-only ratesIO terms, mostly investor products.
- ING Bank (Australia) Ltd offset loans100% offset-account-eligible products.
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