ING Home Loans

Read on to compare some of ING’s key home loan interest rates and the key features they have.

ING Australia is the Australian division of Dutch multinational bank, ING Group. The lender obtained its banking license in Australia in 1994 and has since served 1.5 million customers. It’s also considered to be one of the largest mortgage lenders in Australia, financing more than 475,000 home loans and counting.

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Compare ING home loans

Considering other lenders? Compare home loans with these low-rate offers for owner occupiers:

What mortgages does ING offer?

ING has home loan options for home buyersrefinancers, and investors. These loans come with variable and fixed interest rates as well as principal and interest and interest-only mortgages.

ING home loan interest rates

ING offers many mortgage options to suit a variety of different types of home buyers. You can find a complete list of its interest rates here.

Some of ING’s key home loans include:

  • Mortgage Simplifier: A mortgage with a low variable rate and no ongoing or annual fees
  • Orange Advantage: A flexible, variable rate home loan with 100% interest offset facility
  • Fixed-rate Loan: A fixed mortgage with a term of one to five years

    ING mortgage features

    ING offers a number of home loan features to suit a variety of needs for owner-occupiers to investors.

    • Offset account: Some ING home loans come with an offset account, which could help you save.
    • Unlimited additional repayments: A number of its variable mortgages allow unlimited additional repayments.
    • Redraw facility: Variable loans with the lender allow access to extra repayments via a redraw facility.
    • Orange Everyday Roundup: ING home loan customers with linked Orange Everyday transaction accounts can choose to make a small additional repayment towards an eligible home loan with every purchase they make via their Orange Everyday account.

      How to apply for an ING home loan

      Eligibility criteria

      To apply for an ING home loan, you need to make sure that you meet their eligibility criteria:

      • You must be 18 years of age or over
      • You must be an Australian citizen or permanent resident
      • You must have a regular source of income

        If you meet the lender’s eligibility criteria, you can start your mortgage application in two ways:

        • Fill in an online application form
        • Call an ING home loan specialist

          Documents needed

          Applying for an ING mortgage will require you to submit certain documents such as:

          • Proof of identity validating your name, address and birth date. This can be your passport, Medicare card, or driver’s license.
          • Details of your ongoing monthly expenses such as food expenses, childcare, clothing, transport, and many more.
          • If you are an employee, ING will typically require two recent payslips, and the most recent payment summary or tax return.
          • If you are self-employed, ING will typically require the last two years of tax returns.
          • Saving accounts statements.
          • Proof of ongoing rent or board.
          • Assets and liability documents.

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