💳
Lender profile · Home loans
LiveING home loans
ING also offers savings accounts, credit cards, term deposits and personal loans · Provider overview →
As of 18 September 2026, ING has three home loan products in 100 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.07% (Mortgage Simplifier), ranking 10th of 107 variable owner-occupier P&I loans and sitting 0.69 points below the market average of 6.76%. Its rates last moved on 16 September 2026.
- Lowest comparison rate
- 6.07%
- Mortgage Simplifier
- Market rank
- #10
- of 107 variable owner-occupier P&I loans
- Products
- 3
- 100 variants
- Last change
- 16 Sept 2026
- 1 change on record
Rates over time
Comparison rate of each product's headline variant- RBA cash rate
- Market average
What changed
1 change since 12 Sept 2026- Fixed Rate Loan · 60 variants up 0.02 to 0.09mixed
- 2yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.06 → 6.10
- 2yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.10 → 6.14
- 1yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.09 → 6.11
- 1yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.04 → 6.06
- 2yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.29 → 6.33
- 2yr Fixed · P&I · Investor · 71–80% LVR 6.26 → 6.30
- 1yr Fixed · P&I · Investor · 1–70% LVR 6.19 → 6.21
- 2yr Fixed · Interest Only · Investor · 71–80% LVR 6.26 → 6.30
- 3yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.17 → 6.22
- 1yr Fixed · P&I · Investor · 71–80% LVR 6.24 → 6.26
- 2yr Fixed · Interest Only · Investor · 1–70% LVR 6.22 → 6.26
- 2yr Fixed · P&I · Investor · 1–70% LVR 6.22 → 6.26
- 3yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.13 → 6.19
- 1yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.28 → 6.30
- 2yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.67 → 6.71
- 2yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.15 → 6.18
- 1yr Fixed · Interest Only · Investor · 1–70% LVR 6.20 → 6.22
- 3yr Fixed · P&I · Investor · 71–80% LVR 6.29 → 6.35
- 2yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.10 → 6.14
- 1yr Fixed · Interest Only · Investor · 71–80% LVR 6.24 → 6.26
- 3yr Fixed · P&I · Investor · 1–70% LVR 6.25 → 6.31
- 1yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.70 → 6.72
- 4yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.23 → 6.31
- 1yr Fixed · P&I · Investor · 81–90% LVR 6.52 → 6.54
- 4yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.20 → 6.27
- 2yr Fixed · P&I · Investor · 81–90% LVR 6.52 → 6.56
- 1yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.11 → 6.13
- 1yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.07 → 6.09
- 5yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.24 → 6.33
- 5yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.27 → 6.35
- 3yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.34 → 6.40
- 2yr Fixed · Interest Only · Investor · 81–90% LVR 6.52 → 6.56
- 3yr Fixed · P&I · Investor · 81–90% LVR 6.53 → 6.59
- 3yr Fixed · Interest Only · Investor · 71–80% LVR 6.32 → 6.37
- 3yr Fixed · Interest Only · Investor · 1–70% LVR 6.28 → 6.34
- 1yr Fixed · Interest Only · Investor · 81–90% LVR 6.52 → 6.54
- 5yr Fixed · P&I · Investor · 71–80% LVR 6.39 → 6.48
- 5yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.42 → 6.51
- 3yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.18 → 6.24
- 3yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.69 → 6.75
- 3yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.22 → 6.28
- 4yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.40 → 6.47
- 5yr Fixed · P&I · Investor · 1–70% LVR 6.37 → 6.46
- 4yr Fixed · P&I · Investor · 71–80% LVR 6.37 → 6.44
- 4yr Fixed · P&I · Investor · 1–70% LVR 6.33 → 6.41
- 3yr Fixed · Interest Only · Investor · 81–90% LVR 6.56 → 6.62
- 4yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.72 → 6.79
- 5yr Fixed · P&I · Investor · 81–90% LVR 6.61 → 6.70
- 5yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.72 → 6.81
- 4yr Fixed · P&I · Investor · 81–90% LVR 6.59 → 6.67
- 5yr Fixed · Interest Only · Investor · 1–70% LVR 6.42 → 6.51
- 5yr Fixed · Interest Only · Investor · 71–80% LVR 6.45 → 6.54
- 4yr Fixed · Interest Only · Investor · 1–70% LVR 6.38 → 6.45
- 4yr Fixed · Interest Only · Investor · 71–80% LVR 6.41 → 6.49
- 4yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.30 → 6.37
- 5yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.36 → 6.45
- 4yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.33 → 6.41
- 5yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.39 → 6.47
- 5yr Fixed · Interest Only · Investor · 81–90% LVR 6.67 → 6.75
- 4yr Fixed · Interest Only · Investor · 81–90% LVR 6.64 → 6.72
Home loans
Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rateVariable · 2
Variable · P&I · Owner-occupier · 71–80% LVR · redraw · no ongoing fee · 20 variants
6.07%#10 of 107comparison · 6.04% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
Variable · P&I · Owner-occupier · 71–80% LVR · offset account · redraw · 20 variants
6.43%#53 of 107comparison · 6.14% advertised
- Application fee
- None
- Ongoing fee
- $25 a month
- Discharge fee
- $250
- Offset account
- Yes
- Redraw
- Yes
- Extra repayments
- Yes
Fixed · 1
1yr Fixed · P&I · Owner-occupier · 1–70% LVR · no ongoing fee · 60 variants
1y 6.11%2y 6.14%3y 6.22%4y 6.31%5y 6.35%6.06%#2 of 49comparison · 6.44% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare all home loans · Home loan report
Notes on ING home loans
to leave a note.