ING vs ubank
Each lender at its lowest rate for your choices, whichever of its loans that is.
ING's repayment is $20 lower a month than ubank's.
A 20% deposit until you say otherwise. Repayments at the advertised rate over 30 years; fees are on top.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Every rate type
The lowest rate each side has for each, at your deposit, purpose and repayments.
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates over time
The advertised variable rate above, a cell a week. A move shows as ▲ or ▼ in the week it happened.
As of 26 October 2026, for an owner-occupier borrowing $600,000 with a 20% deposit, ING's lowest variable rate is 6.34% (comparison rate 6.37%) on its Mortgage Simplifier; ubank's lowest variable rate is 6.39% (comparison rate 6.41%) on its Neat Variable. Figures are the lenders' published rates through Open Banking, worked out on the loan above. Each row says which figure is lower; it doesn't say which loan suits you.