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Orange Advantage

Orange Advantage

The 100% offset home loan

Start application

or Call 1800 100 258 now to apply

Orange Advantage

A variable rate home loan with a 100% interest offset facility.

Features

Why apply for an Orange Advantage?

  • You could pay it off faster

    Reduce your interest payable on your home loan with a 100% offset facility when you make a deposit into your linked Orange Everyday bank account.

  • Interest rate discounts

    Available for owner occupier loans when borrowing $150,000 or more. Further discounts may apply if borrowing up to 90% of the property’s value.

  • Split your new loan and save

    Combine your Orange Advantage home loan with a Fixed Rate home loan and we’ll waive the $499 Fixed Rate home loan application fee, and for owner occupier borrowings you’ll receive a fixed interest rate discount of 0.10% p.a. off our advertised fixed rates.

  • Tools and dedicated support when needed

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

  • Low annual fee

    There are no application fees, monthly fees, or split loan fees. Just a low annual fee of $199.

  • 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.

Interest rates and fees

Interest rates

You could pay off your home loan sooner with our low rates.

Total Borrowing $150,000 or less
LVR (including any LMI applicable)
Interest rate
Comparison rate
Special offer

Owner occupiers and Investors

If your total borrowings are less than $150,000

Total Borrowing $150,000 to $500,000
LVR (including any LMI applicable)
Interest rate
Comparison rate
Special offer

Owner occupiers

LVR is 80% or less

LVR is above 80% and less than or equal to 90%

LVR is more than 90%

Investors

LVR is 80% or less

LVR is above 80% and less than or equal to 90%

Interest rate discounts for LVR 90% or less are available only for new borrowing and new to ING DIRECT Security

Total Borrowing $500,000 or more
LVR (including any LMI applicable)
Interest rate
Comparison rate
Special offer

Owner occupiers

LVR is 80% or less

LVR is above 80% and less than or equal to 90%

LVR is more than 90%

Investors

LVR is 80% or less

LVR is above 80% and less than or equal to 90%

Interest rate discounts for LVR 90% or less are available only for new borrowing and new to ING DIRECT Security

Fees and charges

Pay no application fee or other monthly fees, with a low annual fee of $199 .

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Tools and calculators
FAQs

Got a question about Orange Advantage?

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.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
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.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).