Smart Home Loan

Smart Home Loan

Smart Home Loan

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


Smart Home Loans are unavailable for new loan applications received from 1 November 2015

  • 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

    Available when borrowing $150,000 or more.

  • 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 needed

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

Tools and calculators

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:

We've made our mobile banking app so easy to use, you won't even have to think. Try it now and change the way you bank.

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.