Why choose ING

Benefits

  • Award winning customer service
  • Opportunity to bundle loans with other ING products
  • Loans offer additional discounts to owner-occupiers
  • Flexible loan options

Drawbacks

  • Online lender has no branches
  • Some loans have annual fees

ING Home Loans

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Australian Credit Licence 229823Fees & charges apply

6.29%

6.18%

$2,318

Fixed Rate Loan (w/Orange Advantage)
  • Owner Occupied
  • Fixed undefined year
  • 20% min deposit
  • P&I

Australian Credit Licence 229823Fees & charges apply

Australian Credit Licence 229823Fees & charges apply

5.99%

6.12%

$2,253

Fixed Rate Loan (w/Orange Advantage)
  • Owner Occupied
  • Fixed undefined year
  • 20% min deposit
  • P&I

Australian Credit Licence 229823Fees & charges apply

Australian Credit Licence 229823Fees & charges apply

6.09%

6.15%

$2,274

Fixed Rate Loan
  • Owner Occupied
  • Fixed undefined year
  • 20% min deposit
  • P&I

Australian Credit Licence 229823Fees & charges apply

Australian Credit Licence 229823Fees & charges apply

6.09%

6.16%

$2,274

Fixed Rate Loan (w/Orange Advantage)
  • Owner Occupied
  • Fixed undefined year
  • 20% min deposit
  • P&I

Australian Credit Licence 229823Fees & charges apply

Australian Credit Licence 229823Fees & charges apply

6.14%

6.17%

$2,285

Mortgage Simplifier
  • Owner Occupied
  • Variable
  • 20% min deposit
  • P&I

Australian Credit Licence 229823Fees & charges apply

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

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at interest rate 5.99%

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Contact a mortgage broker

ING homeloans are vailable through brokers who can help find the right loan and manage your application at no charge.

Azm Khan

NSW, 2150

Customer Representative Number: 463273

Alisa Keattichaidumrong

VIC, 3978

Customer Representative Number: 542499

Matt Mara

NSW, 2027

Customer Representative Number: 530577

ING customer service

While ING is an online-only lender, its support network is far from limited. All general enquiries can be answered by the 24/7 contact centre and each home loan and saving product has its own hotline. Customers who prefer email can contact customer support directly. Sydney-based customers can pop into the ING Lounge in the Sydney CBD for face-to-face support.

✓     Customer service centre (phone)

✓     Mobile app

✓     Online banking

✓     Email

✓     Customer support centre

How to apply for an ING home loan

Borrowers wanting to apply for an ING home loan can either complete an online application form, or call an ING Mortgage Specialist for assistance. 

Before applying for an ING home loan, think about what you can afford to borrow and what other costs you need to consider. 

To apply for an ING home loan, you will need to supply the following information:

  • Details of your income and employment including your employer's contact details.
  • Proof of savings and your last three bank statements.
  • Proof of identity.

About ING home loans

Although ING is an international banking giant, in Australia it competes with the big four banks. While these banks offer large branch networks and brand recognition, ING tries to differentiate itself with simpler products and a more efficient application process.

ING offers a range of mortgage options, including:

  • Home loans for owner-occupiers
  • Home loans for investors
  • Principal and interest mortgages
  • Interest-only mortgages
  • Mortgages with variable interest rates
  • Mortgages with fixed interest rates

ING home loans customers have two options for starting a mortgage application - they can fill in an online form or they can call a customer service rep. Once an application is lodged, customers can track it over the internet; they will also receive updates from ING by text and email.

ING home loan rates

ING is a competitive home loan lender that can often offer customers lower rates than other big-name lenders.

ING home loan rates vary, depending on the status of the borrower and the type of mortgage they want. 

In general, owner-occupiers are charged lower interest rates than investors, while principal and interest borrowers are charged lower interest rates than interest-only borrowers.

Also, borrowers with bigger deposits are often charged lower interest rates than borrowers with smaller deposits.

ING home loans review

ING could be an attractive option to borrowers who not only want the ‘security’ of a big, international bank but also want a lender that will compete with Australia’s big banks.

ING doesn’t offer as many mortgage options as some other banks, though its rates can be more competitive.

ING provides mortgages to owner-occupiers and investors. Borrowers can opt for variable-rate mortgages or fixed-rate mortgages, and can pay principal and interest or interest-only.

Whatever option you choose, you won’t be able to pop into a branch outside of the Sydney CBD, because ING is an online-only lender. So you’d have to be comfortable managing the mortgage application process by phone, text, email and internet.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.