ING home loans
3 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Mortgage SimplifierRedraw · no ongoing fee6.37%
- Orange AdvantageOffset account · redraw6.73%
- Fixed Rate LoanNo ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
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.
October 20264 changes
- 9Fri
- Fixed Rate Loan60 variants up 0.14 to 0.239 days after the RBA rise to 4.60%+0.14 to +0.23
- Mortgage Simplifier20 variants up 0.25 to 0.289 days after the RBA rise to 4.60%+0.25 to +0.28All Variable
P&I · Owner-occupier · 61–70% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · 51–60% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · 1–50% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · 71–80% LVR 6.12 6.37 +0.25 P&I · Investor · 51–60% LVR 6.17 6.42 +0.25 P&I · Investor · 1–50% LVR 6.17 6.42 +0.25 P&I · Investor · 61–70% LVR 6.17 6.42 +0.25 P&I · Investor · 71–80% LVR 6.22 6.47 +0.25 P&I · Owner-occupier · 81–90% LVR 6.27 6.52 +0.25 Interest Only · Investor · 71–80% LVR 6.28 6.53 +0.25 Interest Only · Investor · 1–50% LVR 6.25 6.50 +0.25 Interest Only · Investor · 51–60% LVR 6.25 6.50 +0.25 Interest Only · Investor · 61–70% LVR 6.25 6.50 +0.25 Interest Only · Owner-occupier · 61–70% LVR 6.21 6.49 +0.28 Interest Only · Owner-occupier · 51–60% LVR 6.21 6.49 +0.28 Interest Only · Owner-occupier · 71–80% LVR 6.24 6.52 +0.28 Interest Only · Owner-occupier · 1–50% LVR 6.21 6.49 +0.28 P&I · Investor · 81–90% LVR 6.52 6.77 +0.25 Interest Only · Investor · 81–90% LVR 6.58 6.83 +0.25 P&I · Owner-occupier · 91–95% LVR 6.72 6.97 +0.25 - Orange Advantage20 variants up 0.24 to 0.289 days after the RBA rise to 4.60%+0.24 to +0.28All Variable
P&I · Owner-occupier · 61–70% LVR 6.48 6.73 +0.25 P&I · Owner-occupier · 51–60% LVR 6.48 6.73 +0.25 P&I · Owner-occupier · 1–50% LVR 6.48 6.73 +0.25 P&I · Owner-occupier · 71–80% LVR 6.48 6.73 +0.25 P&I · Investor · 61–70% LVR 6.58 6.82 +0.24 P&I · Investor · 71–80% LVR 6.58 6.82 +0.24 P&I · Investor · 1–50% LVR 6.58 6.82 +0.24 P&I · Investor · 51–60% LVR 6.58 6.82 +0.24 P&I · Owner-occupier · 81–90% LVR 6.58 6.82 +0.24 Interest Only · Investor · 71–80% LVR 6.62 6.87 +0.25 Interest Only · Investor · 51–60% LVR 6.62 6.87 +0.25 Interest Only · Investor · 1–50% LVR 6.62 6.87 +0.25 Interest Only · Investor · 61–70% LVR 6.62 6.87 +0.25 P&I · Investor · 81–90% LVR 6.78 7.02 +0.24 P&I · Owner-occupier · 91–95% LVR 6.92 7.17 +0.25 Interest Only · Investor · 81–90% LVR 6.84 7.09 +0.25 Interest Only · Owner-occupier · 1–50% LVR 6.64 6.92 +0.28 Interest Only · Owner-occupier · 61–70% LVR 6.64 6.92 +0.28 Interest Only · Owner-occupier · 71–80% LVR 6.64 6.92 +0.28 Interest Only · Owner-occupier · 51–60% LVR 6.64 6.92 +0.28
- 8Thu
- Fixed Rate Loan30 variants up 0.01 to 0.058 days after the RBA rise to 4.60%+0.01 to +0.05All Owner-occupier
September 20264 changes
- 29Tue
- Fixed Rate Loan60 variants up 0.02 to 0.09+0.02 to +0.09
- 23Wed
- Mortgage Simplifier4 variants up 0.05+0.05All Variable · P&I · Owner-occupier
61–70% LVR 6.02 6.07 +0.05 51–60% LVR 6.02 6.07 +0.05 1–50% LVR 6.02 6.07 +0.05 71–80% LVR 6.07 6.12 +0.05 - Orange Advantage8 variants moved in both directions−0.10 to +0.05All Variable
P&I · Owner-occupier · 61–70% LVR 6.43 6.48 +0.05 P&I · Owner-occupier · 51–60% LVR 6.43 6.48 +0.05 P&I · Owner-occupier · 1–50% LVR 6.43 6.48 +0.05 P&I · Owner-occupier · 71–80% LVR 6.43 6.48 +0.05 P&I · Owner-occupier · 81–90% LVR 6.63 6.58 −0.05 P&I · Investor · 81–90% LVR 6.87 6.78 −0.09 P&I · Owner-occupier · 91–95% LVR 6.97 6.92 −0.05 Interest Only · Investor · 81–90% LVR 6.94 6.84 −0.10 - Fixed Rate Loan20 variants up 0.02 to 0.05+0.02 to +0.05All Owner-occupier
2yr Fixed · P&I · 1–70% LVR 6.10 6.14 +0.04 2yr Fixed · P&I · 71–80% LVR 6.14 6.18 +0.04 1yr Fixed · P&I · 71–80% LVR 6.11 6.15 +0.04 1yr Fixed · P&I · 1–70% LVR 6.06 6.11 +0.05 3yr Fixed · P&I · 71–80% LVR 6.22 6.26 +0.04 3yr Fixed · P&I · 1–70% LVR 6.19 6.22 +0.03 4yr Fixed · P&I · 71–80% LVR 6.31 6.34 +0.03 4yr Fixed · P&I · 1–70% LVR 6.27 6.31 +0.04 5yr Fixed · P&I · 1–70% LVR 6.33 6.35 +0.02 5yr Fixed · P&I · 71–80% LVR 6.35 6.38 +0.03 2yr Fixed · Interest Only · 71–80% LVR 6.18 6.22 +0.04 2yr Fixed · Interest Only · 1–70% LVR 6.14 6.18 +0.04 1yr Fixed · Interest Only · 71–80% LVR 6.13 6.18 +0.05 1yr Fixed · Interest Only · 1–70% LVR 6.09 6.13 +0.04 3yr Fixed · Interest Only · 1–70% LVR 6.24 6.28 +0.04 3yr Fixed · Interest Only · 71–80% LVR 6.28 6.31 +0.03 4yr Fixed · Interest Only · 1–70% LVR 6.37 6.41 +0.04 5yr Fixed · Interest Only · 1–70% LVR 6.45 6.47 +0.02 4yr Fixed · Interest Only · 71–80% LVR 6.41 6.44 +0.03 5yr Fixed · Interest Only · 71–80% LVR 6.47 6.50 +0.03
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on ING home loans
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As of 1 November 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 6.37% (Mortgage Simplifier), ranking 26th of 93 variable owner-occupier P&I loans and sitting 0.21 points below the market average of 6.58%. Its rates last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.