Interest
6.34%p.a.
Comparison*
6.37%p.a.
Est. repayment
$3,108
LVR not stated
ING Bank (Australia) Ltd · Offset · Updated November 2026
ING Bank (Australia) Ltd Offset Account Home Loans, November 2026
ING Bank (Australia) Ltd lists 24 offset home loans in the Ratesniffers index today. The lowest is 6.34% p.a. (comparison rate 6.37% p.a.), on Orange Advantage. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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ING Bank (Australia) Ltd offset home loan rates, November 2026
Interest
6.39%p.a.
Comparison*
6.42%p.a.
Est. repayment
$3,124
LVR not stated
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 60 to 70%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.69%p.a.
Comparison*
Not available
Est. interest only / month
$2,788
LVR 70 to 80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.44%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,141
LVR ≤60%
ING Bank (Australia) LtdOrange Advantage $150k+ 60% - 70% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,141
LVR 60 to 70%
ING Bank (Australia) LtdOrange Advantage $150k+ 70% - 80% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.44%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,141
LVR ≤60%
ING Bank (Australia) LtdOrange Advantage $150k+ 60% - 70% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,141
LVR 60 to 70%
ING Bank (Australia) LtdOrange Advantage $150k+ 70% - 80% LVR Owner Occupied P&I
VariableOffsetRedraw
Interest
6.44%p.a.
Comparison*
6.71%p.a.
Est. repayment
$3,141
LVR 70 to 80%
Interest
6.59%p.a.
Comparison*
6.74%p.a.
Est. interest only / month
$2,746
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
ING Bank (Australia) Ltd2 Year Fixed >$150k <70% LVR Owner Occupied split with Orange Advantage P&I
2y FixedOffsetRedraw
Interest
6.59%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,190
LVR ≤70%
ING Bank (Australia) Ltd2 Year Fixed >$150k 70% - 80% LVR Owner Occupied split with Orange Advantage P&I
2y FixedOffsetRedraw
Interest
6.59%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,190
LVR 70 to 80%
ING Bank (Australia) Ltd2 Year Fixed >$150k <70% LVR Owner Occupied split with Orange Advantage P&I
2y FixedOffsetRedraw
Interest
6.59%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,190
LVR ≤70%
ING Bank (Australia) Ltd2 Year Fixed >$150k 70% - 80% LVR Owner Occupied split with Orange Advantage P&I
2y FixedOffsetRedraw
Interest
6.59%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,190
LVR 70 to 80%
ING Bank (Australia) Ltd1 Year Fixed >$150k <70% LVR Owner Occupied split with Orange Advantage P&I
1y FixedOffsetRedraw
Interest
6.64%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,207
LVR ≤70%
ING Bank (Australia) Ltd1 Year Fixed >$150k 70% - 80% LVR Owner Occupied split with Orange Advantage P&I
1y FixedOffsetRedraw
Interest
6.64%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,207
LVR 70 to 80%
ING Bank (Australia) Ltd1 Year Fixed >$150k <70% LVR Owner Occupied split with Orange Advantage P&I
1y FixedOffsetRedraw
Interest
6.64%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,207
LVR ≤70%
ING Bank (Australia) Ltd1 Year Fixed >$150k 70% - 80% LVR Owner Occupied split with Orange Advantage P&I
1y FixedOffsetRedraw
Interest
6.64%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,207
LVR 70 to 80%
ING Bank (Australia) Ltd3 Year Fixed >$150k <70% LVR Owner Occupied split with Orange Advantage P&I
3y FixedOffsetRedraw
Interest
6.74%p.a.
Comparison*
6.80%p.a.
Est. repayment
$3,240
LVR ≤70%
*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 · Offset
ING Bank (Australia) Ltd offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also ING Bank (Australia) Ltd's full product range, repayment calculator, and offset savings calculator.