ING Home Loans

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ING Australia is owned by ING Group, a multinational bank that is headquartered in Holland. ING has held an Australian banking licence since 1999, and claims to have more than 1,000 staff and 1.5 million customers.

ING’s Australian corporate head office is in Sydney, although the bank doesn’t have any branches. Instead, customers interact with the bank by phone, by email or over the internet.

Borrowers can apply for an ING home loan online or over the phone.

ING home loans

Mortgage Simplifier Home Loan (Principal and Interest) ($150k-$500k, LVR < 80%)
Advertised rate
3.73%
Variable
Upfront fee
$299.00
Comparison rate*
3.76%
Ongoing fee
$0
Compare
Mortgage Simplifier Home Loan (Principal and Interest) ($150k-$500k, LVR 80%-90%)
Advertised rate
3.83%
Variable
Upfront fee
$299.00
Comparison rate*
3.85%
Ongoing fee
$0
Compare
Orange Advantage Home Loan (Principal and Interest) ($150k-$500k, LVR < 80%)
Advertised rate
3.68%
Variable
Upfront fee
$299.00
Comparison rate*
4.00%
Ongoing fee
$299 annually
Compare
Mortgage Simplifier Home Loan (Principal and Interest) ($150k-$500k, LVR 90%-95%)
Advertised rate
4.03%
Variable
Upfront fee
$299.00
Comparison rate*
4.05%
Ongoing fee
$0
Compare
Orange Advantage Home Loan (Principal and Interest) ($150k-$500k, LVR 80%-90%)
Advertised rate
3.78%
Variable
Upfront fee
$299.00
Comparison rate*
4.10%
Ongoing fee
$299 annually
Compare
Mortgage Simplifier Investment Loan (Principal and Interest) ($150k-$500k, LVR < 80%)
Advertised rate
4.14%
Variable
Upfront fee
$299.00
Comparison rate*
4.16%
Ongoing fee
$0
Compare
Orange Advantage Home Loan (Principal and Interest) ($150k-$500k, LVR 90%-95%)
Advertised rate
3.98%
Variable
Upfront fee
$299.00
Comparison rate*
4.30%
Ongoing fee
$299 annually
Compare
Orange Advantage Investment Loan (Principal and Interest) ($150-$500k, LVR<80%)
Advertised rate
4.09%
Variable
Upfront fee
$299.00
Comparison rate*
4.41%
Ongoing fee
$299 annually
Compare
Orange Advantage Home Loan Fixed 5 Years
Advertised rate
3.98%
Fixed - 5 years
Upfront fee
$299.00
Comparison rate*
4.49%
Ongoing fee
$299 annually
Compare
Orange Advantage Home Loan Fixed 4 Years
Advertised rate
3.92%
Fixed - 4 years
Upfront fee
$299.00
Comparison rate*
4.52%
Ongoing fee
$299 annually
Compare
Fixed Rate Home Loan 5 Years
Advertised rate
4.08%
Fixed - 5 years
Upfront fee
$798.00
Comparison rate*
4.53%
Ongoing fee
$0
Compare
Fixed Rate Home Loan 4 Years
Advertised rate
4.02%
Fixed - 4 years
Upfront fee
$798.00
Comparison rate*
4.56%
Ongoing fee
$0
Compare
Orange Advantage Home Loan Fixed 3 Years
Advertised rate
3.83%
Fixed - 3 years
Upfront fee
$299.00
Comparison rate*
4.57%
Ongoing fee
$299 annually
Compare
Fixed Rate Home Loan 3 Years
Advertised rate
3.93%
Fixed - 3 years
Upfront fee
$798.00
Comparison rate*
4.59%
Ongoing fee
$0
Compare
Orange Advantage Home Loan Fixed 2 Years
Advertised rate
3.72%
Fixed - 2 years
Upfront fee
$299.00
Comparison rate*
4.63%
Ongoing fee
$299 annually
Compare
Fixed Rate Home Loan 2 Years
Advertised rate
3.82%
Fixed - 2 years
Upfront fee
$798.00
Comparison rate*
4.64%
Ongoing fee
$0
Compare
Orange Advantage Home Loan Fixed 1 Year
Advertised rate
3.58%
Fixed - 1 year
Upfront fee
$299.00
Comparison rate*
4.71%
Ongoing fee
$299 annually
Compare
Fixed Rate Home Loan 1 Year
Advertised rate
3.68%
Fixed - 1 year
Upfront fee
$798.00
Comparison rate*
4.72%
Ongoing fee
$0
Compare
Fixed Rate Investment Loan 2 Years
Advertised rate
4.37%
Fixed - 2 years
Upfront fee
$798.00
Comparison rate*
5.45%
Ongoing fee
$0
Compare
Fixed Rate Investment Loan 1 Year
Advertised rate
4.32%
Fixed - 1 year
Upfront fee
$798.00
Comparison rate*
5.56%
Ongoing fee
$0
Compare
Pros:
  • Award winning customer service.
  • Opportunity to bundle loans with other ING products.
  • Loans offer additional discounts to owner-occupiers.
  • Flexible loan options.
Cons:
  • This online lender has no branches.
  • Some loans have annual fees.
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 Customer Information Centre for face-to-face support.

✓     Customer service centre (phone)

✓     Mobile app

✓     Online banking

✓     Email

✓     Customer support centre

How to Apply

Borrowers wanting to apply for an ING home loan can either complete an online application form, call an ING Mortgage Specialists for assistance. Before applying for an ING home loan, consider what you can afford to borrow and what other costs you need to factor in. To apply for an ING home loan, you will need to supply the following information:

  • Provide details of your income and employment including your employer's contact details.
  • You will need to show proof of savings and last three bank statements.
  • Proof of identity.
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