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ING

Fixed Rate Loan

Interest rate

2.99

% p.a

Fixed - 3 years

Comparison Rate*

3.84

% p.a

Maximum LVR
80%
Real Time Rating™

1.68

/ 5
Monthly Repayment

$1,421

based on $300,000 loan amount for 25 years at 2.99%

Interest rate

2.99

% p.a

Fixed - 3 years

Comparison Rate*

3.84

% p.a

Maximum LVR
80%
Real Time Rating™

1.68

/ 5
Monthly Repayment

$1,421

based on $300,000 loan amount for 25 years at 2.99%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,421

based on $300,000 loan amount for 25 years at 2.99%

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

Joel Flanagan

5.0
11 Reviews

Get expert advice from a home loans specialist.

I'm a loan specialist providing an outstanding professional service for each one of my clients. More than 15 years of experience and seven years as Director of Oak Financial Group, have given me the absolute knowledge about residential & commercial mortgage brokering to help, advise and guide my clients through their loan journey in the most effective way, always aiming to get the most favourable results. I'm available seven days a week, willing to answer my client's enquiries in the most transparent and comprehensive way.

Response time: in an hour | Our brokers call during business hours between 9.00am to 6.00pm.

Mahesh Perera

5.0
23 Reviews

Get expert advice from a home loans specialist.

In 1994, Mahesh bought a property at a highly inflated price. Shortly after, he lost most of his superannuation when the company he was working for was declared bankrupt. This misfortune encouraged him to learn as much as he could about good financial management so that he would avoid making the same mistakes again. Mahesh worked has to educate himself and gain valuable qualifications in the finance industry. While doing so, he recognised an opportunity to help other migrants steer clear of the pitfalls that he encountered. After studying to become a qualified Financial Advisor, Mahesh then went on to build his own financial planning firm, working under AXA, AON, and Patron licensees. Since 1996 Mahesh has had the privilege to assist more than 1500 clients to achieve their financial goals using various wealth strategies going to help you immensely. You will be glad you become an Equity Advice client.

Response time: in an hour | Our brokers call during business hours between 9.00am to 6.00pm.

Quick home loan review

For Fixed Rate Home Loan 3 Years (LVR < 80%)

These are the benefits of this home loan.

  • Lower than average interest rate
  • No ongoing fees
  • Parents can sign as guarantor
  • Split account option

These are the drawbacks of this home loan.

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

Home loan overview

For Fixed Rate Home Loan 3 Years (LVR < 80%)

TMD

Details

Maximum LVR

80%

Total Repayments

Interest rate type

Fixed - 3 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

Yes - limited to $9999

Redraw facility

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

798

Application fee

499

Valuation fee

$0

Settlement fee

299

Other upfront fee

0

Ongoing fee

$0

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.

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ING is available through brokers

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $50k 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 $798 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.