Home Loan Products

Which home loan would best suit me?

The table below helps you compare all ING DIRECT home loans to help you choose which home loan is best suited to your needs.

Apply for a Home loan
What do all our home loans have in common?
  • All home loans are portable and can be moved if you move properties
  • All home loans are available for investment purposes
  • All home loans allow for additional repayments*
  • All home loans allow for interest only repayments
  • All home loans allow for payments by direct debit
 
Monthly or fortnightly repayments
Interest Rate p.a.
Comparison Interest Rate
Loan Redraw facility
Total home loan term
Ongoing fees and charges
Cheque book
ATM / EFTPOS
BPAY
Combined with other ING Loans
Apply Now Monthly 6.79% 6.79% Yes Revolving
loan term
No
more
Yes No Yes Yes
Apply Now Monthly 6.90% 6.33% No
more
Up to
30 years
No No No No
more
No
more
Apply Now Yes
more
1 yr - 5.79%
2 yr - 5.79%
3 yr - 6.49%
4 yr - 7.29%
5 yr - 7.29%
1 yr - 6.19%
2 yr - 6.15%
3 yr - 6.31%
4 yr - 6.64%
5 yr - 6.72%
No
more
Fixed for
the first
1-5 years
No No No No Yes
Apply Now Yes
more
6.19% 6.19% Yes Up to
30 years
No No No Yes Yes
Apply Now Monthly 6.79% 6.91% Yes Revolving
loan term
Yes
more
Yes Yes Yes Yes
Apply Now Monthly 7.04% 7.19% Yes Revolving
loan term
Yes
more
Yes Yes Yes Yes
more
Apply Now Yes
more
7.04% 7.08% Yes Up to
30 years
No No No Yes
Yes
more

Home loan interest rates as at 19 December 2008.

* Fixed rate loans only allow additional repayments up to $10,000 p.a. Additional repayments over $10,000 p.a. may incur break costs. On a Construction loan additional repayments can only be made after 12 months or when construction is complete, whichever is the earlier.

Warning:

This comparison rate applies only to the example or examples given. Comparison rate based on $150,000 loan amount over 25 year term. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. To view a comparison rate schedule, please click on one of the below links.

Terms and Conditions apply, all rates are indicative.

I want to apply for a home loan

I need more info...

Have a question or ready to apply? Arrange for a Mortgage Specialist to call at a time that suits you.

SMS 'home loan' to 133 464 and a Mortgage Specialist will call you back. Standard SMS rates apply. Not available on Vodafone or 3 networks.