BSB: 923-100

Smart Home Loan

Smart Home Loan

Love a great rate and even greater service?

Apply now

Smart Home Loan

Package your finances into a line of credit linked to a nil interest credit card.

Features

Why apply for a Smart Home Loan?

  • You could reduce your costs

    Consolidate your debts into a single line of credit and you could reduce your interest costs and bank fees.

  • Interest rate discounts

    A Smart Pack life of the loan discount is available for a one-off fee of $499, when you borrow $250,000 or more (waived for new loans formally approved prior to 31 December 2014).

  • Flexible access to your funds

    Access your funds by ATM and EFTPOS with a Visa credit card, linked to your home loan.

  • Low annual fee

    There are no application fees or monthly fees. Just a low annual fee of $180.

  • Use ATMs for free

    Withdraw funds from any ATM in Australia for free when you have both an Orange Everyday transaction account and any ING DIRECT home loan.

  • Tools and dedicated support when neede

    Online tools and home loan specialists that can help you every step of the way.

Call our Australia-based home loan specialists on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Apply for an ING DIRECT Smart Home Loan now.
Rates and fees

Interest rates

You could pay off your home loan sooner with our low rates and life-of-loan discounts.

Interest rate
Comparison rate

If your total borrowings are $250,000 or more, with SmartPack. Discount is 0.50% off the standard rate of 5.82%.

5.32
5.44

If your total borrowings are less than $250,000 or borrowings without SmartPack discount

Fees and charges

Pay no application fee or other monthly fees, with a low annual fee of $180. If you get a SmartPack life of the loan discount, a one-off application fee of $499 applies. This fee will be waived for all new loans formally approved prior to 31 December 2014.

Call our Australia-based home loan specialists on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Apply for an ING DIRECT Smart Home Loan now.
Tools and calculators
FAQs

Got a question about Smart Home Loan?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

Call our Australia-based home loan specialists on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Apply for an ING DIRECT Smart Home Loan now.
How to get started

Simple steps to taking out a home loan

1. Find out how much you could borrow

In only two minutes you could have an obligation-free indication of your borrowing power.

Start now

2. Complete your application

You can call a home loan specialist, download an application form, or apply online.

3. Be supported through to settlement

Your dedicated home loan specialist will provide updates and support all the way through to settlement.

Call our Australia-based home loan specialists on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Apply for an ING DIRECT Smart Home Loan now.