- ING is passing the February 2025 cash rate cut on to borrowers.
- From 4 March variable rate home loans will drop by 25 basis points.
- From that date the lowest variable rate loan the ING offers will be 5.89%.
ING is an online Australian bank owned by the multinational ING Group. ING offers various fixed and variable home loans online, as well as banking, insurance and superannuation products. Check out the full table of ING products below or read more about the lender and its loans.
Compare ING home loan rates for March 2025
Hit the "Load more" button to see a bigger selection. You can also find more information on each individual product by clicking "More Info".
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ING key facts
- ING's home loan rates are lower than the market average. ING offers fixed and variable rate loans for investors and owner-occupiers, and some loans come with offset accounts.
- ING is an online lender. The bank has phone, email and banking app support.
- You can get certain ING loans with a deposit as low as 5%, including some of its lowest rates.
- In addition to home loans, ING also offers savings accounts, transaction accounts and term deposits.
Review by our senior home loans writer Richard Whitten.
What do Australians think of ING home loans?
Owner Occupier home loans
- 4.3/5 overall for Customer Satisfaction — higher than the average of 3.98, and this was the highest score in the category
- 4.6/5 for Trust — higher than the average of 4.36, and this was the highest score in the category
- 4.15/5 for Customer Service — higher than the average of 3.97
Investor home loans
- 4.15/5 overall for Customer Satisfaction - higher than the average of 3.97
- 4.38/5 for Trust — lower than the average of 4.42
- 4.04/5 for Customer Service — higher than the average of 3.95
Based on ING home loans scores in Finder's 2024 Customer Satisfaction Awards.
ING mortgage features
Here are the key features and details you need to know about ING's mortgage products.
Feature | Details |
---|---|
Deposit size | You can borrow up to 95% on some ING mortgages. |
Offset account | You can get an offset account on ING's Orange Advantage loan. ING loans don't come with offset accounts. |
Repayment options | ING's home loans allow you to make interest-only repayments or principal-and-interest repayments. |
Split rate | Most ING mortgages allow you to split your loan into fixed and variable portions. |
How do I apply for an ING home loan?
When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.
Eligibility
Each ING product has specific eligibility criteria but some will apply to all products. For example:
- Age. You must be over 18 years of age.
- Residency. You should be a resident of Australia.
- Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with ING you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.
📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.
📄 Proof of income documents. Recent payslips can establish your income.
📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
Lenders like ING
If you want to compare loans from similar lenders to ING then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:
- Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
- Tiimely Home. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
- Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
- Loans.com.au. A Brisbane-based online lender, Loans.com.au is backed by Firstmac, Australia's largest non-bank lender.
- ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
- UBank. This online bank is actually owned by NAB.
Looking for more mortgage options?
- Big Four banks. Check out interest rates from Australia's Big Four banks.
- Best home loans. Finder's top loan picks every month.
- Cheapest rates. Compare the lowest home loan rates on the market.
- Investors. Compare more loans for property investors.
- Mortgage brokers. Still confused? Get free, expert guidance from a qualified mortgage broker.
More home loan questions
Compare other products from ING
- ING credit cards
- ING savings accounts
- ING term deposits
- ING superannuation
- ING personal loans
- ING health insurance
- ING car insurance
- ING landlord insurance
What is Finder Score?
The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.
Read the full Finder Score breakdown
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Hi,
One of the requirement states resident of Australia, I am currently on my work visa for the next 3 years however this will be renewed by then or have my permanent residency received.
Can I still go ahead with applying for the mortgage ? or any other way for me to seek mortgage ?
Thank you
Hi Haider,
ING’s page didn’t explicitly state if they have residency requirements. You can check with them directly by phoning them on 1800 100 258, open from 8 am-8 pm Mon-Fri and 9 am-5 pm Sat (AEST/AEDT).
You can also explore other top lenders here.
Kind regards,
Richard
Hi
I would like to talk to someone about refinancing our home loans, how do i go about this?
Hi Suzanne,
Thanks for getting in touch with Finder! It’s great to know you’re interested in a home loan with ING. To quickly know the steps on how to apply for an ING mortgage, please go to the part of the page above saying “How do I apply for an ING mortgage?” To get a quote and directly speak with them, click the GREEN GO TO SITE button that can be found inside the table that lists the types of mortgages ING offers on the first part of the page.
As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.
Hope this helps!
Best,
Nikki
Does Ing have an investment home loan up to 90% LVR??
Hi Jim,
Thanks for reaching out.
ING can lend up to 95% of the value of the property you wish to buy with some of their loans that you can find on the table above. You can press the “More info” link to be redirected to our review page and learn more about the loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, simply head to ING’s website to proceed with the application or get in touch with their representatives for further inquiries you may have.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions. Alternatively, you can speak to a mortgage broker who can take your personal circumstance into account and offer you a range of borrowing options.
Cheers,
Joanne
I have just renewed my fixed home loan for 2 more years, what is the fee amount for breaking my contract if I sell my house?
Hi Jodi,
Please contact ING Direct for an exact quote regarding your break costs.
It is generally calculated using the following formula: The amount of principal remaining x the remaining term of the fixed interest period x the movement in ING Direct’s cost of funds.
Cheers,
Shirley
I have been with ING for many years, love the savings account. Just wondering whether I would be eligible for a home loan based on the fact that I own a unit in Sydney ( Naremburn ) which is now valued at approx $600,000. I am currently studying and no longer earning an income as such, but have an allocated pension from my super of $763.00 per fortnight.Also receive a very small amount from Centrelink as Austudy. Would love to hear whether I have any options. Kindest Regards, Barbara
Hi Barbara,
Thanks for the question.
ING DIRECT has its own unique lending criteria which are kept under wraps as the case with every other bank and lender. I would suggest contacting ING DIRECT directly to discuss your options with them rather than make an online application online, as this will give you an opportunity to discuss your options in relation to your assets and income considerations. For more tips, you may consult our guide on pensioners home loans.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
I hope this helps,
Marc.