Online bank with competitive rates and one of the best offset accounts in Australia. Low fees, strong features, no branches.
Variable Rate from
5.74%
Fixed Rate from
5.84%
Comparison Rate
5.79%
ING is a global bank headquartered in the Netherlands, operating in Australia as a fully licensed APRA-regulated bank since 1999. With no physical branches, ING keeps costs low and passes those savings on through competitive home loan rates and fee-free banking.
ING has earned a loyal following among Australian borrowers for its combination of low rates, excellent offset accounts, and straightforward products. Their Orange Everyday transaction account pairs seamlessly with home loans, giving borrowers fee-free ATM access at any ATM in Australia. ING strikes a balance between big bank reliability and online lender pricing.
ING is one of the few lenders offering genuinely competitive rates AND a full 100% offset account. Most ultra-low rate lenders sacrifice offset - ING keeps both.
Unlike some online lenders that only do owner-occupied loans, ING also caters to investors. Competitive rates on both, with interest-only options available.
Switch from a Big 4 bank and immediately save on rates and fees. ING's no-fee structure means more of your money goes to paying off your loan.
ING's app and online banking are well-regarded. Pair with their Orange Everyday account for a complete, fee-free banking ecosystem.
ING's core variable home loan. Includes 100% offset, unlimited extra repayments, and free redraw. No annual or monthly fees.
Rate: 5.74% p.a. (owner-occupied, P&I, LVR <80%)
Lock in your rate for 1 to 5 years. No offset during fixed period. Reverts to competitive variable rate at expiry.
Rate: 5.84% p.a. (2-year fixed, owner-occupied, P&I)
Premium variable home loan paired with the Orange Advantage transaction account. Multiple offset accounts, credit card options, and savings integration.
Rate: 5.79% p.a. (with Orange Advantage conditions met)
Variable and fixed options for property investors. Interest-only available. Offset account included on variable loans.
Rate: 6.09% p.a. (investment, variable, P&I)
Every dollar in your offset reduces the interest on your home loan. Multiple offset accounts available for separate savings goals.
Use any ATM in Australia for free when you meet the Orange Everyday conditions. No need to find a specific bank's ATM.
Unlimited extra repayments on variable loans. No penalties. Redraw available if you need the money back.
Combine fixed and variable portions. Keep the offset on the variable part while locking in certainty on the fixed portion.
We'll compare ING against 31 other lenders to ensure you're getting the best deal for your situation.
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