Get help choosing a home loan
Try our simple home loan selector to find the loan that's best for you.
Ready to apply or want pre-approval?
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
If you don't find your answer here, get in touch with our Australia-based customer care specialists.
133 464Get ahead or stay that way with an ING savings account.
High variable interest rate. With competitive ongoing rates, all your money goes towards your savings goals.
High interest rate guaranteed for the term. You choose the timeframe.
Tiered savings account with higher variable interest rates for balances starting at $50,000.
Straightforward banking for your business.
Variable interest business savings account with 24/7 access.
Fixed interest rate for business savings. You choose the timeframe.
Competitive interest rates for a fixed period, that's tailored to your cash flow needs.
Unsecured personal loan with a low fixed rate, no ongoing monthly fees and no early repayment fees.
Hit the road sooner
Make your renovation dream a reality
Plan your perfect day
Tick off your bucket list destinations
Show your bills who's boss
Home loans for buyers, investors and borrowers looking for a better deal.
Low variable interest rate home loan with no ongoing monthly or annual fees.
Includes a 100% interest offset when linked to our Orange Everyday bank account.
Fixed interest rate home loans for terms of one to five years.
Save 15% on your first year's premium when you purchase a policy online. T&Cs apply - see disclaimer below.
Covers loss or damage to your car plus the damage it causes to other people's vehicles and property for which you are liable.
Covers your liability for $20 million worth of accidental damage your car causes to other people's vehicles and property.
15% off
ING Car Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
Get up to $400 off
ING Health Insurance
Take out a combined Hospital and Extras cover by 30 June 2024, and you could get up to $400 off. Offer ends 30 June 2024.
T&Cs apply. See full terms and conditions.
30% off ING Home &
Contents Insurance
On your first year's premium when you purchase a combined policy online. T&Cs apply - see disclaimer below.
15% off ING
Motorcycle Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
15% off
ING Pet Insurance
On your first year's premium when you purchase a policy online.
T&Cs apply - see disclaimer below.
Variable rate
Comparison rate
Mortgage Simplifier rates:
Variable rate
Comparison rate
On owner Occupied Variable Home loans (principal & interest) borrowing $150k or more. Loan to value (LVR) ratio is less than or equal to 80%
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Variable rate
Comparison rate
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Important: Fixed Rate loans are not currently available for investment purposes where the deposit is less than 20%.
Important: Fixed Rate loans are not currently available for investment purposes where the deposit is less than 20%.
Try our simple home loan selector to find the loan that's best for you.
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
It only takes 10 minutes to get started online, or you can call 1800 100 258 to speak with a home loan specialist.
As your application progresses, we keep you updated via online tracking, SMS and email.
For questions and help, our home loan specialists are here for you from application to settlement.
We're here to guide you no matter what stage of home ownership you're at
Don't know where to start? We can take you through it step by step.
Things you need to know when you're climbing the property investment ladder.
Explore the potential savings and advantages of switching your loan.
From finding something bigger, to living somewhere new, these tips will help you plan your next move.
Find out all the ways your home loan could work harder for you.
No matter whether you're buying or refinancing, you can apply online or talk to one of our home loan specialists.
“Being able to call them and deal with professional people over the phone makes all the difference. My first home loan, second and third investment loans have been with ING.”
Tim B, NSW
“When I got my mortgage with them, my adviser was really responsive and helpful and the process went really smoothly.”
Charlotte H, QLD
Proudly and continuously ranked as Australia's most recommended bank.
Just add Orange Everyday to your home loan, and you could save on fees with 1% cashback on eligible utility bills (T&Cs apply) and $0 ING international transaction fees when you shop online and overseas.
Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Mortgage Simplifier or Orange Advantage home loan.
Breathe easier and save 30% on your first year’s premium when you purchase a combined Home and Contents Insurance policy online. T&Cs apply - see disclaimer.
The variable rates above include a discount that is applied to the relevant reference rate. These variable and fixed rates are only available for new ING property and borrowings. All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Loan-to-value ratio (LVR): LVR is the ratio of the value of a property to the relevant loan amount, as a percentage. LVR is used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.
Lenders Mortgage Insurance (LMI): LMI is designed to protect the lender (not the borrower) if the borrower can't repay their loan. It's normally required when a loan amount is more than 80 per cent of the property's valuation.
Total borrowings: Includes the total amount borrowed per application.
Variable rate: Important: Available on new Owner Occupier loans with a minimum 20% deposit when borrowing $150k or over and making Principal and Interest repayments. For a limited time only and subject to change
Comparison rate: The comparison rate for the home loan is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS. ING is a business name of ING Bank (Australia) Ltd (ING). An ING Insurance policy issued does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or its related bodies corporate. ING will receive a commission from AGS for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.
ING Home & Contents Insurance is subject to AGS' underwriting and ING’s Customer Eligibility and Name-Screening Assessment. Home & Contents Insurance is not available in NT, North QLD or Northern WA.
This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the relevant Product Disclosure Statement, Target Market Determination, Key Fact Sheets, Financial Services Guide and the ING Customer Eligibility and Name-Screening document available at ing.com.au and consider if an ING Home & Contents Insurance product is right for you before deciding to purchase or continue to hold the product.
The price quoted is at the insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. Discounts are applied by the insurer. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached. If the policy renews, the price may exceed the price paid for the previous policy. Premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.
DISCOUNTS: Discount applies to the first year's premium paid for a new ING Home & Contents Insurance policy obtained online for approved applicants only. Discounts do not apply to any renewal offer of insurance. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted. All rights are reserved to change the offer without notice. The discount applies accordingly:
ING Home and Contents Insurance: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only policies.
ING Home and Contents Insurance was awarded the 2021 Mozo Experts Choice Award 'Exceptional Value' by Mozo Pty Ltd recognising an insurance policy that's among the best-priced when compared to other similar products.