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ING

Fixed Rate Loan (w/Orange Advantage)

Advertised Rate

2.19

% p.a

Fixed - 2 years

Comparison Rate*

3.79

% p.a

Maximum LVR
80%
Real Time Rating™

1.60

/ 5
Monthly Repayment

$1,300

based on $300,000 loan amount for 25 years at 2.19%

Advertised Rate

2.19

% p.a

Fixed - 2 years

Comparison Rate*

3.79

% p.a

Maximum LVR
80%
Real Time Rating™

1.60

/ 5
Monthly Repayment

$1,300

based on $300,000 loan amount for 25 years at 2.19%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,300

based on $300,000 loan amount for 25 years at 2.19%

ING home loans are available through brokers who can help find the right loan and manage your application at no charge.

Bernard Desmond

5.0
156 Reviews

Get expert advice from a home loans specialist.

Bernard Desmond OPPORTUNITY BROKER They say there are two guarantees in life, but Bernard securing your mortgage is now unofficially the third. His confidence comes from 14 years of experience and an unequivocal desire to provide you with the most opportunity from your mortgage. But don’t just take our word for it; Bernard’s strike rate from application to approval is awarded as the best in the industry: Winner 2020 Best Customer Service of the year at the Australian Broking Awards, 2020 Best Customer Service of the year at the Better Business Awards, 2019 Residential Broker of the Year and 2018 Australian broker of the Year. Supportive yet honest, Bernard has your best interest at heart and a blank piece of paper in hand, ready to fill it with plans and possibilities. Bernard sees opportunity getting to understand you and your financial goals better than the rest. He’s personable and tenacious, giving you the ability to take your money further — like that ocean villa in Hawaii.

VIC3930

CRN: 493595

Quick home loan review

For Fixed Rate Loan (w/Orange Advantage)

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%
  • 100% full offset account
  • Parents can sign as guarantor
  • Split account option

These are the drawbacks of this home loan.

  • No extra repayments
  • No redraw facility
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays

Home loan overview

For Fixed Rate Loan (w/Orange Advantage)

TMD

Details

Maximum LVR

80%

Total Repayments

Interest rate type

Fixed - 2 years

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly

Features

Extra repayments

Not Allowed

Redraw facility

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

299

Application fee

0

Valuation fee

$0

Settlement fee

299

Other upfront fee

0

Ongoing fee

$299 annually

Discharge fee

250

Application method

Online

Phone

In branch

Specials
  • Cashback $3000 refinance cashback
    The Application must include the refinance of an existing home loan from another lender and be for a total loan amount of at least $500,000. This refinance amount of $500,000 excludes refinances of existing ING loans. The new ING Home Loan must have a loan to value ratio (LVR) of 80% or less; The new ING Home Loan must settle on or before 31 March 2022; and An active ING Orange Everyday transaction account must be held in the same name(s) as the new ING Home Loan at the time that the cashback is paid (which will occur within 70 days after settlement). T&Cs apply.

Target Market Determination

Visit ING to view Target Market Determination.

Other Benefits

$499 application fee waived when loan is split

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FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $150k to $2,000,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

What's the maximum length for this loan?

ING allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

ING allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $299 worth of upfront fees.

Does this loan come with a redraw facility?

No, this loan doesn't come with a redraw facility.

Where can you apply for this loan?

ING makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this ING loan is available through a broker. Find a broker to help you with your needs.