Interest
5.99%p.a.
Comparison*
6.02%p.a.
Est. repayment
$2,995
LVR not stated
ING Bank (Australia) Ltd Home Loan Rates
Tracked products
30
Lowest variable
5.99%
Lowest fixed (interest-only)
6.44%
Lowest comparison
6.02%
Last updated
11 Sept 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 are ING Bank (Australia) Ltd home loan rates?
ING Bank (Australia) Ltd home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 5.99% p.a. and the lowest fixed rate currently 6.44% p.a., checked daily (last verified 11 Sept 2026). Compare ING Bank (Australia) Ltd against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
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 6.44% p.a. These figures come from the 28 ING Bank (Australia) Ltd products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does ING Bank (Australia) Ltd offer?
Ratesniffers currently tracks 30 ING Bank (Australia) Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 28 that pass our data-quality checks on this page. 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.
Comparing ING's Orange Advantage and offset options? Check the wider guide to offset home loans before weighing ING's live home loan rates against other lenders.
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. | 6.02% p.a. | n/a |
| Variable Investor P&I | 6.14% p.a. | 6.17% p.a. | n/a |
| Variable Investor P&I | 6.14% p.a. | 6.17% p.a. | n/a |
| Variable Investor interest-only | 6.34% p.a. | 6.25% p.a. | n/a |
| Variable Owner-occupier P&I | 6.14% p.a. | 6.43% p.a. | n/a |
| Fixed 2-year Owner-occupier interest-only | 6.44% p.a. | 6.15% p.a. | n/a |
| Fixed 3-year Investor P&I | 6.44% p.a. | 6.29% p.a. | n/a |
| Fixed 1-year Investor interest-only | 6.44% p.a. | 6.20% p.a. | n/a |
| Variable Owner-occupier interest-only | 6.44% p.a. | 6.21% p.a. | n/a |
| Fixed 1-year Owner-occupier interest-only | 6.49% p.a. | 6.11% p.a. | n/a |
| Fixed 1-year Investor P&I | 6.49% p.a. | 6.52% p.a. | n/a |
| Fixed 2-year Investor P&I | 6.49% p.a. | 6.52% p.a. | n/a |
28 of 30 tracked ING Bank (Australia) Ltd home loan products
Interest
6.14%p.a.
Comparison*
6.17%p.a.
Est. repayment
$3,043
LVR not stated
Interest
6.14%p.a.
Comparison*
6.17%p.a.
Est. repayment
$3,043
LVR not stated
Interest
6.34%p.a.
Comparison*
Not available
Est. repayment
$3,108
LVR not stated
Interest
6.14%p.a.
Comparison*
6.43%p.a.
Est. repayment
$3,043
LVR not stated
Interest
6.44%p.a.
Comparison*
6.15%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.44%p.a.
Comparison*
6.29%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.44%p.a.
Comparison*
6.20%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.44%p.a.
Comparison*
Not available
Est. repayment
$3,141
LVR not stated
Interest
6.49%p.a.
Comparison*
6.11%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.49%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.49%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.49%p.a.
Comparison*
6.52%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.54%p.a.
Comparison*
6.32%p.a.
Est. repayment
$3,174
LVR not stated
Interest
6.59%p.a.
Comparison*
6.18%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.59%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.59%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.44%p.a.
Comparison*
6.62%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.44%p.a.
Comparison*
6.67%p.a.
Est. repayment
$3,141
LVR not stated
Interest
6.59%p.a.
Comparison*
6.69%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.69%p.a.
Comparison*
Not available
Est. repayment
$3,223
LVR not stated
Interest
6.49%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.69%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,223
LVR not stated
Interest
6.69%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,223
LVR not stated
Interest
6.74%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,240
LVR not stated
Interest
6.74%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,240
LVR not stated
Interest
6.79%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.79%p.a.
Comparison*
6.39%p.a.
Est. repayment
$3,256
LVR not stated
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
ING Bank (Australia) Ltd home loan repayment calculator
Pre-filled with ING Bank (Australia) Ltd's lowest advertised variable rate in the table above, 5.99% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
ING Bank (Australia) Ltd's lowest variable today: 5.99%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$2,995
Fortnightly repayment
$1,382
Total interest
$578,034
30 years at 5.99% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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, and specifically owner-occupiers paying principal and interest with a deposit of 20% or more, which is the gate on its no-annual-fee Mortgage Simplifier. Borrowers who want an offset take the Orange Advantage instead and pay an annual fee for it. 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 5 September 2026. Rates above refresh independently.
ING Bank (Australia) Ltd home loan products explained
The line-up as published by ING Bank (Australia) Ltd, checked 5 September 2026. Today's rate for each product is in the table above.
| Product | Who it is for | What to know |
|---|---|---|
| Mortgage Simplifier | Owner-occupiers paying principal and interest, borrowing $150,000 or more with a deposit of 20% or more. | No ongoing monthly or annual account-keeping fee, unlimited additional repayments and redraw. No offset account. ING advertises it against a loan-to-value ratio of 80% or less. |
| Orange Advantage | Borrowers who want a 100% offset facility and will use an ING everyday account. | 100% interest offset, but only when the loan is linked to an ING Orange Everyday transaction account. Non-refundable $299 annual fee, no ongoing monthly fee and no variation fee, minimum total borrowing $150,000. ING lends to 95% of property value for owner-occupiers and 90% for investors, with lenders mortgage insurance where applicable. |
| Fixed Rate Loan | Borrowers who want repayment certainty for one to five years. | Fixed terms of one to five years. ING warns that break costs can apply on early repayment and on additional payments above $10,000 in a year. |
| Green Upgrade Loan | Existing borrowers financing energy-efficiency improvements. | ING publishes it with no upfront fees and no break fees. It funds eligible upgrades rather than the property purchase itself, so it sits alongside a home loan rather than replacing one. |
ING Bank (Australia) Ltd fees, offset and limits at a glance
- Application or establishment fee
- Nil Application Fee for all products
- Discharge fee
- $250
- Settlement fee
- $350
- Additional valuation fee
- $225
- Rate lock fee
- Rate Lock In at Application for 90 days. A fee of $749 applies per Fixed Rate Loan account where an interest…
- Loan portability
- $250
- Offset account
- 100%
- Lenders mortgage insurer
- Helia
- Capitalising LMI
- Max LVR is 95% for O/O (inc LMI) P&I only. Max LVR for Investment 90% (inc LMI).
- Maximum total lending
- Preferred max total exposure is $5M
- Extra repayments on fixed
- Yes, up to $10k pa
- When the fixed rate is locked
- Clients can request to lock-in the interest rate that is applicable at the time their Fixed Rate Loan is…
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
ING Bank (Australia) Ltd home loan fees and policy
- The Orange Advantage carries a non-refundable annual fee of $299. The Mortgage Simplifier has no ongoing monthly or annual account-keeping fee, which is the main trade for giving up the offset account.
- The Orange Advantage offset works only while the loan is linked to an ING Orange Everyday transaction account, so the offset benefit is gated on holding and funding that account.
- ING advertises the Mortgage Simplifier for owner-occupiers paying principal and interest, borrowing $150,000 or more at 80% of property value or less. Minimum total borrowing on the Orange Advantage is also $150,000.
- ING states that lenders mortgage insurance is normally required when the loan is more than 80% of the property's valuation. It lends up to 95% for owner-occupiers and 90% for investors, with insurance where applicable.
- On its fixed rate loan, break costs can apply on early repayment and on additional payments above $10,000 in a year.
- ING does not appear on the Australian Government 5% Deposit Scheme participating lender list as at 3 September 2026.
Sources checked 5 September 2026: www.ing.com.au, www.ing.com.au, www.ing.com.au, ING home loans, ING Orange Advantage, Australian Government 5% Deposit Scheme participating lenders.
ING Bank (Australia) Ltd home loans: frequently asked questions
What are ING Bank (Australia) Ltd home loan rates?
ING Bank (Australia) Ltd home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 5.99% p.a., and the lowest fixed rate is 6.44% p.a., checked daily (last verified 11 Sept 2026). Compare ING Bank (Australia) Ltd against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a ING Bank (Australia) Ltd balance, use /calculators/extra-repayment.
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 6.44% p.a., based on the 28 ING Bank (Australia) Ltd products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 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.
What is the monthly repayment on a $600,000 ING Bank (Australia) Ltd home loan?
At ING Bank (Australia) Ltd's lowest variable rate of 5.99% p.a., a $600,000 principal and interest loan over 30 years repays about $3,593 a month, and $500,000 about $2,995. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 ING Bank (Australia) Ltd home loan?
There is no single salary. Like every Australian lender, ING Bank (Australia) Ltd must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 5.99% p.a. is assessed at about 8.99% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
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 25 basis points below the market median of 6.24% 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 30 ING Bank (Australia) Ltd home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 28 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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 6.02% 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 11 Sept 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.
Does ING charge a discharge fee or exit fee on its home loans?
Yes. ING charges $250 for a full or partial discharge on all its home loan products. A $300 variation fee applies when you increase or reduce the loan, switch products or change borrowers, except on Orange Advantage where variations are nil. Other charges include $7 for extra statements, $30 for a late payment and $9 for a rejected direct debit.
What is the minimum deposit for an ING home loan, and when is LMI payable?
ING says a 20% deposit is generally needed, but it may lend up to 95% of the purchase price. Borrowers need genuine savings of at least 5% of the price, and anyone borrowing more than 80% must show bank statements covering at least three months of savings history. Lenders mortgage insurance applies when borrowing above 80% of the property value.
Who owns ING in Australia, and is it a licensed bank?
ING in Australia is ING Bank (Australia) Limited, which trades as ING and is wholly owned by the ING Group. It has held an Australian banking licence since 1994 and is regulated by APRA. It operates under ABN 24 000 893 292 and AFSL and Australian Credit Licence 229823, is headquartered in Sydney and has more than 2 million customers.
Is the ING Orange Advantage worth it?
It depends on how much you keep in offset. The Orange Advantage carries a non-refundable $299 annual fee and its 100% offset works only while the loan is linked to an ING Orange Everyday account. The Mortgage Simplifier has no annual fee but no offset. Model both at /calculators/offset-savings before choosing, and compare ING head to head at /vs/macquarie-vs-ing.
What is the difference between ING Mortgage Simplifier and Orange Advantage?
Mortgage Simplifier is the no-annual-fee variable loan with redraw and unlimited extra repayments, advertised for owner-occupiers paying principal and interest at 80% of property value or less. Orange Advantage adds a 100% offset, gated on linking an ING Orange Everyday account, for a non-refundable $299 a year. Both require total borrowing of at least $150,000.
What are ING's home loan rates in September 2026?
ING's current home loan rates are in the live table above, ranked by comparison rate. Ratesniffers does not freeze a number into this answer because ING prices Mortgage Simplifier, Orange Advantage and each fixed term separately, and varies them by deposit size and loan purpose. The comparison rate is where the Orange Advantage annual fee shows up.
Does ING have branches in Australia?
No. ING has run branchless in Australia since it launched here as ING Direct in 1999, with no branch network and no ATM fleet of its own. Applications, servicing and redraw all happen online or by phone, which is the cost base behind its pricing. Borrowers who want counter service look elsewhere.
Can first home buyers use ING for the 5% Deposit Scheme?
ING does not appear on the Australian Government 5% Deposit Scheme participating lender list as at 3 September 2026, so the government guarantee is not available through ING. ING does lend to owner-occupiers up to 95% of property value in its own right, with lenders mortgage insurance payable above 80%.
Is ING a good home loan lender?
ING is Australia's original branchless bank, serving more than 2 million customers with a short product range and no branch costs to fund. Whether it fits comes down to whether you want the offset and will pay for it, so read the full write-up at /reviews/ing-bank-ltd and the head to head at /vs/macquarie-vs-ing.