Variable Rate Loans

Orange Advantage

If you are looking for a home loan that provides you with even more benefits, look no further.

Orange Advantage comes with:

• 100% interest offset - when linked to our Orange Everyday transaction account
• Save up to 0.35% p.a. on the Orange Advantage variable rate
• Access money in your Orange Everyday at any of the 26,000 ATMs in Australia at no cost. We'll refund the ATM owner fee, regardless of the amount you withdraw!
• No application fee, monthly fees or split loan fees
• No ING DIRECT fee when varying your Orange Advantage

All for a low annual fee of $199.

Apply for an Orange Advantage online.

Interest Rate	Variable interest rate with 100% interest offset when linked to your Orange Everyday.
Interest Rate Discount	Life-of-loan discount automatically applies to combined residential borrowings with ING DIRECT of: $300,000 to $499,999: 0.25% p.a. $500,000 or more: 0.35% p.a.
Additional repayments	Yes - any time and free of charge
100% interest offset	Yes - with an Orange Everyday
Interest Only	Up to 5 years
Redraw Facility	Free Redraw
Repayment Frequency	Fortnightly or monthly
Minimum Loan Amount	$50,000
Access	With online and phone banking enjoy access to your available redraw via - BPAY® Pay Anyone Your nominated account And now do your banking on the run with our iPhone App
No ING DIRECT fee when you	Split your loan Increase/decrease your loan amount Request a product switch Request a substitution of security Consent to Subdivision/2nd mortgage Request a removal or change to borrowers or guarantors
Application Fee	$0
Ongoing Fees	$199 Annual fee

• Apply online now
• Compare all our home loan products

Call a home loan specialist on 1800 100 258 or see your broker to find out more.

Important Information

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 on request. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to the Orange Everyday you should read the Orange Everyday Terms and Conditions booklet and Orange Everyday Fees and Charges brochure. To view this document you may need Adobe Acrobat. Products are issued by ING DIRECT, a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.