Home Loan Products

Compare Home Loan Accounts

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What do all our home loans have in common?
  • portable and can be moved if you move properties
  • available for investment purposes
  • can be linked to our award winning Orange Everyday transaction account
  • allow for interest only repayments
  • allow for payments by direct debit

 
Ideal for...
Interest
Rate
Comparison Interest
Rate
Monthly
or Annual Fee
Loan Redraw facility
Home loan term
Additional payments
Monthly or fortnightly repayments
Variable Home Loans
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those who want to pay off their home loan as quickly as possible
6.19% p.a.
($500k plus)
6.29% p.a.
($300k to <$500)
6.54% p.a.
(<$300k)
6.37% p.a.
 
6.47% p.a.
 
6.71% p.a.
 
$199 annual fee No Up to
30 years
No Yes
more
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more info

those who want a simple, easy to use home loan, with no ongoing monthly or annual fees 6.42% p.a. 6.42% p.a. Nil No Up to
30 years
No Yes
more
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more info

those who want to build a new home or investment property 6.42% p.a. 6.42% p.a. Nil
Yes
more
Up to
30 years
Yes
Monthly
Fixed Home Loans
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those who want to protect against rising rates and control repayments
1 yr - 5.89% p.a.
2 yr - 5.89% p.a.
3 yr - 5.99% p.a.
4 yr - 6.59% p.a.
5 yr - 6.79% p.a.
1 yr - 6.40% p.a.
2 yr - 6.35% p.a.
3 yr - 6.34% p.a.
4 yr - 6.52% p.a.
5 yr - 6.62% p.a.
Nil
Yes
more
Fixed for
the first
1-5 years
Yes
Less than $10,000 per year*
Yes
more
Line of Credit Home Loans
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those wanting to access equity from their loan for investments 7.02% p.a. 7.02% p.a. Nil
more
Yes Revolving
loan term
Yes Monthly
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those who want multiple ways to access their money and flexibility 7.02% p.a. 7.14% p.a. Yes
more^
Yes Revolving
loan term
Yes Monthly

 
* Per year is defined as from anniversary date of settlement to the day before the following anniversary date. If you select a fixed rate loan, break costs may be payable if at anytime before the fixed term expires, you pay out your loan or you make additional payments of $10,000 or more in an anniversary year, or you change the interest rate applying to your loan to another type of interest rate. Break costs may be substantial.

 
^ ATM Fee Rebate - When using an ATM in Australia, we will rebate the ATM Operator fee. We will not rebate currency exchange fees, ATM Operator fees incurred when you use an ATM overseas or fees imposed by merchants for EFTPOS transactions. Please refer to your Home Loan terms and conditions for further information on how ATM Operator fees are charged.

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Important InformationImportant Information

Information and interest rates are current as at 11 May 2012 and are subject to change.

All applications for credit are subject to ING DIRECT's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available under the Brochures and Forms section of this website. 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.