ING
Fixed Rate Loan
Fixed interest rate home loans for terms of one to five years.
Home loansBank updated 23 Sept 2026
At a glance
- Fixed
- 1 yr 6.44% · 2 yrs 6.39% · 3 yrs 6.59% · 4 yrs 6.69% · 5 yrs 6.69%
- Max LVR
- 95%
- Annual fee
- $0
- Features
- extra repayments
§ 01 — Rates · 90
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedInvestor - Interest only. | Investment · Interest only | 1 yr fixed | 1–70% LVR | 6.64% | 6.22% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 1 yr fixed | 71–80% LVR | 6.64% | 6.26% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 1 yr fixed | 81–90% LVR | 6.74% | 6.54% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 2 yrs fixed | 1–70% LVR | 6.59% | 6.26% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 2 yrs fixed | 71–80% LVR | 6.59% | 6.30% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 2 yrs fixed | 81–90% LVR | 6.69% | 6.56% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 3 yrs fixed | 1–70% LVR | 6.74% | 6.34% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 3 yrs fixed | 71–80% LVR | 6.74% | 6.37% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 3 yrs fixed | 81–90% LVR | 6.84% | 6.62% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 4 yrs fixed | 1–70% LVR | 6.94% | 6.45% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 4 yrs fixed | 71–80% LVR | 6.94% | 6.49% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 4 yrs fixed | 81–90% LVR | 7.04% | 6.72% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 5 yrs fixed | 1–70% LVR | 6.94% | 6.51% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 5 yrs fixed | 71–80% LVR | 6.94% | 6.54% | — |
| FixedInvestor - Interest only. | Investment · Interest only | 5 yrs fixed | 81–90% LVR | 7.04% | 6.75% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 1 yr fixed | 1–70% LVR | 6.59% | 6.21% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 1 yr fixed | 71–80% LVR | 6.59% | 6.26% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 1 yr fixed | 81–90% LVR | 6.69% | 6.54% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 2 yrs fixed | 1–70% LVR | 6.59% | 6.26% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 2 yrs fixed | 71–80% LVR | 6.59% | 6.30% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 2 yrs fixed | 81–90% LVR | 6.69% | 6.56% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 3 yrs fixed | 1–70% LVR | 6.64% | 6.31% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 3 yrs fixed | 71–80% LVR | 6.64% | 6.35% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 3 yrs fixed | 81–90% LVR | 6.74% | 6.59% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 4 yrs fixed | 1–70% LVR | 6.79% | 6.41% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 4 yrs fixed | 71–80% LVR | 6.79% | 6.44% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 4 yrs fixed | 81–90% LVR | 6.89% | 6.67% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 5 yrs fixed | 1–70% LVR | 6.79% | 6.46% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 5 yrs fixed | 71–80% LVR | 6.79% | 6.48% | — |
| FixedInvestor - Principal & Interest. | Investment · P&I | 5 yrs fixed | 81–90% LVR | 6.89% | 6.70% | — |
| 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 | 6.69% | 6.13% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 1 yr fixed | 1–70% LVR | 6.79% | 6.14% | — |
| 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 | 6.69% | 6.18% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 1 yr fixed | 71–80% LVR | 6.79% | 6.19% | — |
| 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 | 6.64% | 6.18% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 2 yrs fixed | 1–70% LVR | 6.74% | 6.20% | — |
| 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 | 6.64% | 6.22% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 2 yrs fixed | 71–80% LVR | 6.74% | 6.24% | — |
| 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 | 6.79% | 6.28% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 3 yrs fixed | 1–70% LVR | 6.89% | 6.31% | — |
| 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 | 6.79% | 6.31% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 3 yrs fixed | 71–80% LVR | 6.89% | 6.34% | — |
| 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 | 6.99% | 6.41% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 4 yrs fixed | 1–70% LVR | 7.09% | 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 | 4 yrs fixed | 71–80% LVR | 6.99% | 6.44% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 4 yrs fixed | 71–80% LVR | 7.09% | 6.48% | — |
| 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 | 6.99% | 6.47% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 5 yrs fixed | 1–70% LVR | 7.09% | 6.52% | — |
| 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 | 6.99% | 6.50% | — |
| FixedOwner occupier - Interest only. | Owner occupied · Interest only | 5 yrs fixed | 71–80% LVR | 7.09% | 6.55% | — |
| 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 | 6.44% | 6.11% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 1 yr fixed | 1–70% LVR | 6.54% | 6.12% | — |
| 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 | 6.44% | 6.15% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 1 yr fixed | 71–80% LVR | 6.54% | 6.16% | — |
| 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 | 6.59% | 6.30% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 1 yr fixed | 81–90% LVR | 6.69% | 6.31% | — |
| 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 | 6.69% | 6.72% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 1 yr fixed | 91–95% LVR | 6.79% | 6.73% | — |
| 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 | 6.39% | 6.14% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 2 yrs fixed | 1–70% LVR | 6.49% | 6.16% | — |
| 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 | 6.39% | 6.18% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 2 yrs fixed | 71–80% LVR | 6.49% | 6.20% | — |
| 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 | 6.54% | 6.33% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 2 yrs fixed | 81–90% LVR | 6.64% | 6.35% | — |
| 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 | 6.64% | 6.71% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 2 yrs fixed | 91–95% LVR | 6.74% | 6.73% | — |
| 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 | 6.59% | 6.22% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 3 yrs fixed | 1–70% LVR | 6.69% | 6.25% | — |
| 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 | 6.59% | 6.26% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 3 yrs fixed | 71–80% LVR | 6.69% | 6.29% | — |
| 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 | 6.69% | 6.40% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 3 yrs fixed | 81–90% LVR | 6.79% | 6.43% | — |
| 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 | 6.79% | 6.75% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 3 yrs fixed | 91–95% LVR | 6.89% | 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 | 4 yrs fixed | 1–70% LVR | 6.69% | 6.31% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 4 yrs fixed | 1–70% LVR | 6.79% | 6.34% | — |
| 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 | 6.69% | 6.34% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 4 yrs fixed | 71–80% LVR | 6.79% | 6.38% | — |
| 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 | 6.79% | 6.47% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 4 yrs fixed | 81–90% LVR | 6.89% | 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. wil… | Owner occupied · P&I | 4 yrs fixed | 91–95% LVR | 6.89% | 6.79% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 4 yrs fixed | 91–95% LVR | 6.99% | 6.83% | — |
| 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 | 6.69% | 6.35% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 5 yrs fixed | 1–70% LVR | 6.79% | 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 | 5 yrs fixed | 71–80% LVR | 6.69% | 6.38% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 5 yrs fixed | 71–80% LVR | 6.79% | 6.43% | — |
| 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 | 6.79% | 6.51% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 5 yrs 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 | 5 yrs fixed | 91–95% LVR | 6.89% | 6.81% | — |
| FixedOwner occupier - Principal & Interest. | Owner occupied · P&I | 5 yrs fixed | 91–95% LVR | 6.99% | 6.85% | — |
§ 02 — Fees · 16
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonoured cheque | Dishonour | $9 | — | — |
| Additional statements | Event | $7 | — | $7 for each statement period. |
| Arrears Default Letter | Event | $40 | — | $40 for each letter. |
| Change to letter of offer | Event | $250 | — | This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement. |
| Consent to Subdivision/2nd mortgage | Event | $300 | — | — |
| Direct debit rejected | Event | $9 | — | $9 for each direct debit rejected. |
| Discharge Full and Partial | Event | $250 | — | — |
| Fixed Rate Lock in | Event | $749 | — | Charged to lock in your fixed rate prior to settlement and is charged per fixed rate loan account. |
| Increase/decrease to loan amount | Event | $300 | — | — |
| Product switch | Event | $300 | — | 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. |
| Removal or change to borrowers or guarantors | Event | $300 | — | — |
| Substitution of security | Event | $300 | — | — |
| Valuation Fee | Event | $0 | — | A valuation fee is payable. ING will cover up to $225 of the valuation fee (GST inclusive) for the first valuation/property only. |
| Late payment fee | Late payment | $30 | — | $30 when you do not pay any amount owing within 5 days of its due date |
| Annual fee | Periodic | No fee | Every 1 yr | There are no monthly, annual or transaction fees. |
| Settlement fee | Upfront | $350 | — | For each loan application and is charged at settlement. |
§ 03 — Features
Extra repaymentsDigital banking
- · Split Loan
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: NZ
- · Amount $20,000 to $3,000,000
- · Maximum LVR 95%
- · Have and maintain an Australian residential address.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by ING BANK (Australia) Ltd under the Consumer Data Right, last changed by them on 23 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.