Home Loan Products

Fixed rate loans

Our fixed rate home loans provide you with the certainty of knowing what your repayments will be for a fixed period of up to 5 years.

Our Fixed Rate Home Loans could be suitable for you if you are:

• A first home buyer, a home owner or investor wanting security from interest rate rises
• A home owner or investor seeking to combine a fixed and variable loan together
• Wanting to plan your finances and enjoy the security of knowing what your repayments will be for a fixed period

Check out our Fixed Rate Loans Made Easy brochure if you would like to find out more!

Fixed interest rate	Fixed interest rates for terms of 1 to 5 years
Home loan term	Up to 30 years. Automatically converts to Mortgage Simplifier at the end of the fixed rate term or you have the option to refix for another term.
Home loan repayment	Principal and Interest, Interest Only or Interest in Advance repayments
Paid by	Direct Debit
Additional payments	Yes, less than $10,000 per year*
Monthly fee	No monthly, annual or transaction fees
Ongoing fees	No
Home loan redraw	At the end of the fixed term period only
Transaction Account	Combine your ING DIRECT home loan with an Orange Everyday and use any ATM in Australia for FREE!

*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, in some circumstances tens of thousands of dollars. Not available for Interest In Advance.

• Apply online now

Call a home loan specialist on 1800 100 258 or see your broker to lock in a low rate for the next 5 years.