ANZ vs ING home loans June 2026

ANZ's lowest variable home loan rate is 6.44% p.a. and ING's is 5.99% p.a., a gap of 45 basis points, with ING the lower of the two today. Both figures are ranked by comparison rate and refreshed daily, so check features and fees alongside the headline rate before deciding.

ANZ vs ING at a glance

Feature	ANZ	ING
Lowest variable rate	6.44% p.a.	5.99% p.a.
Lowest 3-year fixed rate	6.49% p.a.	6.49% p.a.
Lowest comparison rate	6.44% p.a.	6.03% p.a.
Products tracked	34	28
Offset available	Yes	Yes
Cashback offer	Yes	—

ANZ or ING: which should you pick?

On the lowest advertised variable rate, ING sits at 5.99% p.a. and ANZ at 6.44% p.a. On a $500,000 loan over 30 years, that gap works out to roughly $146 a month in repayments, so the rate difference is worth weighing carefully.

Both lenders offer an offset account, so if parking savings against your loan matters to you, neither rules itself out on that front.

The cheapest headline rate isn't always the rate a lender approves on your file. Your loan size, deposit and income all move the number, so the right pick between ANZ and ING depends on your scenario, not just the advertised figure.

Not sure which one fits your scenario?

Advertised rates aren’t always the rate a lender approves. Get the sharper of the two negotiated against your specific numbers, at no cost.

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ANZ vs ING — frequently asked questions

Who has the lower home loan rate, ANZ or ING?

As of June 2026, ING has the lower headline variable rate at 5.99% p.a., versus 6.44% p.a. for ANZ. Both are ranked by comparison rate and refreshed daily.

What's the difference between ANZ and ING home loans?

Beyond the rate, ANZ and ING differ on features. ANZ offers an offset account, and ING offers one too. Ratesniffers tracks 34 ANZ and 28 ING products, ranked by comparison rate and refreshed daily.

Is it worth switching from ANZ to ING?

It depends on the gap and your balance. The lowest advertised variable rates differ by 45 basis points today, and on a $500,000 loan even a small gap adds up over the life of the loan. Compare the comparison rate and features, then check the rate each lender would actually approve on your file.

How often are ANZ and ING rates updated?

Ratesniffers refreshes both ANZ and ING home loan rates daily. Rates can change whenever either lender reprices or the RBA moves the cash rate, so the figures on this page reflect the most recent data we hold rather than a static snapshot.

Go deeper on each lender

Full product ranges, refreshed daily and ranked by comparison rate.