INGFixed Rate Loan
Fixed interest rate home loans for terms of one to five years.
Home loansBank updated 29 Sept 2026
At a glance
- Fixed
- 1 yr 6.64%, 2 yrs 6.59%, 3 yrs 6.74%, 4 yrs 6.84%, 5 yrs 6.84%
- Max LVR
- 95%
- Annual fee
- $0
- Features
- extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 1-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.64% | 5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M | 6.59%of 82 institutions | 43rd lowest of 82, level with 2 others |
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.59% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 36th lowest of 84, level with 6 others |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.74% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 43rd lowest of 80, level with 2 others |
| 5-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.84% | 6.49%AMB Bank Product's 5 Year Fixed Rate Home Loan | 6.89%of 63 institutions | 31st lowest of 63 |
Rates
Every rate ING publishes for this home loan, 90 in all.
Variable and fixed, at 80% LVR
Owner occupier, principal and interest, the lowest rate for each
- 1 yr fixedtypical 6.59%6.64%
- 2 yrs fixedtypical 6.62%6.59%
- 3 yrs fixedtypical 6.69%6.74%
- 4 yrs fixed6.84%
- 5 yrs fixedtypical 6.89%6.84%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInvestor - Interest only. | Investment, Interest only | 1 yr fixed | 1–70% LVR | 6.84% | 6.46% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 1 yr fixed | 71–80% LVR | 6.84% | 6.51% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 1 yr fixed | 81–90% LVR | 6.94% | 6.79% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 2 yrs fixed | 1–70% LVR | 6.79% | 6.50% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 2 yrs fixed | 71–80% LVR | 6.79% | 6.54% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 2 yrs fixed | 81–90% LVR | 6.89% | 6.80% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 3 yrs fixed | 1–70% LVR | 6.94% | 6.57% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 3 yrs fixed | 71–80% LVR | 6.94% | 6.61% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 3 yrs fixed | 81–90% LVR | 7.04% | 6.85% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 4 yrs fixed | 1–70% LVR | 7.14% | 6.69% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 4 yrs fixed | 71–80% LVR | 7.14% | 6.72% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 4 yrs fixed | 81–90% LVR | 7.24% | 6.95% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 5 yrs fixed | 1–70% LVR | 7.14% | 6.74% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 5 yrs fixed | 71–80% LVR | 7.14% | 6.77% | - |
| FixedInvestor - Interest only. | Investment, Interest only | 5 yrs fixed | 81–90% LVR | 7.24% | 6.99% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 1 yr fixed | 1–70% LVR | 6.79% | 6.46% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 1 yr fixed | 71–80% LVR | 6.79% | 6.51% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 1 yr fixed | 81–90% LVR | 6.89% | 6.78% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 2 yrs fixed | 1–70% LVR | 6.79% | 6.50% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 2 yrs fixed | 71–80% LVR | 6.79% | 6.54% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 2 yrs fixed | 81–90% LVR | 6.89% | 6.80% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 3 yrs fixed | 1–70% LVR | 6.84% | 6.55% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 3 yrs fixed | 71–80% LVR | 6.84% | 6.58% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 3 yrs fixed | 81–90% LVR | 6.94% | 6.83% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 4 yrs fixed | 1–70% LVR | 6.99% | 6.64% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 4 yrs fixed | 71–80% LVR | 6.99% | 6.67% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 4 yrs fixed | 81–90% LVR | 7.09% | 6.90% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 5 yrs fixed | 1–70% LVR | 6.99% | 6.69% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 5 yrs fixed | 71–80% LVR | 6.99% | 6.71% | - |
| FixedInvestor - Principal & Interest. | Investment, P&I | 5 yrs fixed | 81–90% LVR | 7.09% | 6.93% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 1 yr fixed | 1–70% LVR | 6.89% | 6.38% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 1 yr fixed | 1–70% LVR | 6.99% | 6.39% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 1 yr fixed | 71–80% LVR | 6.89% | 6.42% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 1 yr fixed | 71–80% LVR | 6.99% | 6.44% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 2 yrs fixed | 1–70% LVR | 6.84% | 6.43% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 2 yrs fixed | 1–70% LVR | 6.94% | 6.45% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 2 yrs fixed | 71–80% LVR | 6.84% | 6.47% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 2 yrs fixed | 71–80% LVR | 6.94% | 6.49% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 3 yrs fixed | 1–70% LVR | 6.99% | 6.51% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 3 yrs fixed | 1–70% LVR | 7.09% | 6.54% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 3 yrs fixed | 71–80% LVR | 6.99% | 6.55% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 3 yrs fixed | 71–80% LVR | 7.09% | 6.58% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 4 yrs fixed | 1–70% LVR | 7.19% | 6.64% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 4 yrs fixed | 1–70% LVR | 7.29% | 6.68% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 4 yrs fixed | 71–80% LVR | 7.19% | 6.67% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 4 yrs fixed | 71–80% LVR | 7.29% | 6.71% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 5 yrs fixed | 1–70% LVR | 7.19% | 6.71% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 5 yrs fixed | 1–70% LVR | 7.29% | 6.75% | - |
| FixedOwner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply… | Owner occupied, Interest only | 5 yrs fixed | 71–80% LVR | 7.19% | 6.73% | - |
| FixedOwner occupier - Interest only. | Owner occupied, Interest only | 5 yrs fixed | 71–80% LVR | 7.29% | 6.78% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 1 yr fixed | 1–70% LVR | 6.64% | 6.35% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 1 yr fixed | 1–70% LVR | 6.74% | 6.37% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 1 yr fixed | 71–80% LVR | 6.64% | 6.40% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 1 yr fixed | 71–80% LVR | 6.74% | 6.41% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan, a fixed interest rate discount of 0.10% p.a. will… | Owner occupied, P&I | 1 yr fixed | 81–90% LVR | 6.79% | 6.55% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 1 yr fixed | 81–90% LVR | 6.89% | 6.56% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 1 yr fixed | 91–95% LVR | 6.89% | 6.96% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 1 yr fixed | 91–95% LVR | 6.99% | 6.97% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 2 yrs fixed | 1–70% LVR | 6.59% | 6.38% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 2 yrs fixed | 1–70% LVR | 6.69% | 6.40% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 2 yrs fixed | 71–80% LVR | 6.59% | 6.42% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 2 yrs fixed | 71–80% LVR | 6.69% | 6.44% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan, a fixed interest rate discount of 0.10% p.a. will… | Owner occupied, P&I | 2 yrs fixed | 81–90% LVR | 6.74% | 6.57% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 2 yrs fixed | 81–90% LVR | 6.84% | 6.59% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 2 yrs fixed | 91–95% LVR | 6.84% | 6.95% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 2 yrs fixed | 91–95% LVR | 6.94% | 6.97% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 3 yrs fixed | 1–70% LVR | 6.74% | 6.45% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 3 yrs fixed | 1–70% LVR | 6.84% | 6.48% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 3 yrs fixed | 71–80% LVR | 6.74% | 6.48% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 3 yrs fixed | 71–80% LVR | 6.84% | 6.51% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan, a fixed interest rate discount of 0.10% p.a. will… | Owner occupied, P&I | 3 yrs fixed | 81–90% LVR | 6.84% | 6.62% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 3 yrs fixed | 81–90% LVR | 6.94% | 6.65% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 3 yrs fixed | 91–95% LVR | 6.94% | 6.97% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 3 yrs fixed | 91–95% LVR | 7.04% | 7.00% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 4 yrs fixed | 1–70% LVR | 6.84% | 6.52% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 4 yrs fixed | 1–70% LVR | 6.94% | 6.56% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 4 yrs fixed | 71–80% LVR | 6.84% | 6.55% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 4 yrs fixed | 71–80% LVR | 6.94% | 6.59% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan, a fixed interest rate discount of 0.10% p.a. will… | Owner occupied, P&I | 4 yrs fixed | 81–90% LVR | 6.94% | 6.69% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 4 yrs fixed | 81–90% LVR | 7.04% | 6.72% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 4 yrs fixed | 91–95% LVR | 7.04% | 7.01% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 4 yrs fixed | 91–95% LVR | 7.14% | 7.04% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 5 yrs fixed | 1–70% LVR | 6.84% | 6.56% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 5 yrs fixed | 1–70% LVR | 6.94% | 6.61% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 5 yrs fixed | 71–80% LVR | 6.84% | 6.59% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 5 yrs fixed | 71–80% LVR | 6.94% | 6.64% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan, a fixed interest rate discount of 0.10% p.a. will… | Owner occupied, P&I | 5 yrs fixed | 81–90% LVR | 6.94% | 6.72% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 5 yrs fixed | 81–90% LVR | 7.04% | 6.76% | - |
| FixedOwner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. wil… | Owner occupied, P&I | 5 yrs fixed | 91–95% LVR | 7.04% | 7.01% | - |
| FixedOwner occupier - Principal & Interest. | Owner occupied, P&I | 5 yrs fixed | 91–95% LVR | 7.14% | 7.06% | - |
Rate changes
30 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 29 Sept 2026 | Fixed, Investment, Interest only, 1 yr fixed, 1–70% LVR | 6.64% | 6.84% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 1 yr fixed, 71–80% LVR | 6.64% | 6.84% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 1 yr fixed, 81–90% LVR | 6.74% | 6.94% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 1–70% LVR | 6.59% | 6.79% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 71–80% LVR | 6.59% | 6.79% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 2 yrs fixed, 81–90% LVR | 6.69% | 6.89% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 1–70% LVR | 6.74% | 6.94% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 71–80% LVR | 6.74% | 6.94% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 3 yrs fixed, 81–90% LVR | 6.84% | 7.04% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 4 yrs fixed, 1–70% LVR | 6.94% | 7.14% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 4 yrs fixed, 71–80% LVR | 6.94% | 7.14% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 4 yrs fixed, 81–90% LVR | 7.04% | 7.24% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 1–70% LVR | 6.94% | 7.14% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 71–80% LVR | 6.94% | 7.14% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, Interest only, 5 yrs fixed, 81–90% LVR | 7.04% | 7.24% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 1 yr fixed, 1–70% LVR | 6.59% | 6.79% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 1 yr fixed, 71–80% LVR | 6.59% | 6.79% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 1 yr fixed, 81–90% LVR | 6.69% | 6.89% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 2 yrs fixed, 1–70% LVR | 6.59% | 6.79% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 2 yrs fixed, 71–80% LVR | 6.59% | 6.79% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 2 yrs fixed, 81–90% LVR | 6.69% | 6.89% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 3 yrs fixed, 1–70% LVR | 6.64% | 6.84% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 3 yrs fixed, 71–80% LVR | 6.64% | 6.84% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 3 yrs fixed, 81–90% LVR | 6.74% | 6.94% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 4 yrs fixed, 1–70% LVR | 6.79% | 6.99% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 4 yrs fixed, 71–80% LVR | 6.79% | 6.99% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 4 yrs fixed, 81–90% LVR | 6.89% | 7.09% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 5 yrs fixed, 1–70% LVR | 6.79% | 6.99% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 5 yrs fixed, 71–80% LVR | 6.79% | 6.99% | up 0.20 |
| 29 Sept 2026 | Fixed, Investment, P&I, 5 yrs fixed, 81–90% LVR | 6.89% | 7.09% | up 0.20 |
Each change is logged the night it appears in the rates ING BANK (Australia) Ltd publishes. See how every lender answered the RBA on the rate tracker.
Fees
16 fees published, grouped by when they're charged.
- When you take it out$350Settlement fee
- While you hold itNo feeAnnual fee
- When you close it or pay it offNo fee published
When you take it out1
- Settlement fee
For each loan application and is charged at settlement.
$350
While you hold it1
- Annual fee
There are no monthly, annual or transaction fees.
No fee
If a payment is late or fails2
- Dishonoured cheque$9
- Late payment fee
$30 when you do not pay any amount owing within 5 days of its due date
$30
When particular things happen12
- Additional statements
$7 for each statement period.
$7 - Arrears Default Letter
$40 for each letter.
$40 - Change to letter of offer
This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement.
$250 - Consent to Subdivision/2nd mortgage$300
- Direct debit rejected
$9 for each direct debit rejected.
$9 - Discharge Full and Partial$250
- Fixed Rate Lock in
Charged to lock in your fixed rate prior to settlement and is charged per fixed rate loan account.
$749 - Increase/decrease to loan amount$300
- Product switch
Automatically switches to a variable Mortgage Simplifier at the end of the fixed term free of charge. Break cost may be payable if at any time before the fixed term expires, you change your loan type.
$300 - Removal or change to borrowers or guarantors$300
- Substitution of security$300
- Valuation Fee
A valuation fee is payable. ING will cover up to $225 of the valuation fee (GST inclusive) for the first valuation/property only.
From $0
Features
Extra repaymentsDigital banking
- Split Loan
Eligibility and limits
- Minimum age 18
- Residency: NZ
- Amount $20,000 to $3,000,000
- Maximum LVR 95%
- Have and maintain an Australian residential address.
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Published by ING BANK (Australia) Ltd under the Consumer Data Right, last changed by them on 29 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.