As of 18 September 2026, the ING Fixed Rate Loan's 1-year fixed owner-occupier P&I variant has a comparison rate of 6.06% (6.44% advertised), ranking 2nd of 49 1-year fixed owner-occupier P&I loans. The product comes in 60 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate last moved on 16 September 2026.
6.06%comparison rate p.a.
6.44% advertised · 1yr Fixed · P&I · Owner-occupier · 1–70% LVR
59 other variants: investor, interest-only, other fixed terms and other LVR bands below.
Rate over time
Comparison rate · 1yr Fixed · P&I · Owner-occupier · 1–70% LVR- Fixed Rate Loan · 1yr Fixed · P&I · Owner-occupier
- RBA cash rate
Changes
1 change since 12 Sept 2026- Fixed Rate Loan · 60 variants up 0.02 to 0.09mixed
- 1yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.04 → 6.06
- 1yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.09 → 6.11
- 1yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.28 → 6.30
- 1yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.70 → 6.72
- 1yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.07 → 6.09
- 1yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.11 → 6.13
- 1yr Fixed · P&I · Investor · 1–70% LVR 6.19 → 6.21
- 1yr Fixed · P&I · Investor · 71–80% LVR 6.24 → 6.26
- 1yr Fixed · P&I · Investor · 81–90% LVR 6.52 → 6.54
- 1yr Fixed · Interest Only · Investor · 1–70% LVR 6.20 → 6.22
- 1yr Fixed · Interest Only · Investor · 71–80% LVR 6.24 → 6.26
- 1yr Fixed · Interest Only · Investor · 81–90% LVR 6.52 → 6.54
- 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
- 2yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.29 → 6.33
- 2yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.67 → 6.71
- 2yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.10 → 6.14
- 2yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.15 → 6.18
- 2yr Fixed · P&I · Investor · 1–70% LVR 6.22 → 6.26
- 2yr Fixed · P&I · Investor · 71–80% LVR 6.26 → 6.30
- 2yr Fixed · P&I · Investor · 81–90% LVR 6.52 → 6.56
- 2yr Fixed · Interest Only · Investor · 1–70% LVR 6.22 → 6.26
- 2yr Fixed · Interest Only · Investor · 71–80% LVR 6.26 → 6.30
- 2yr Fixed · Interest Only · Investor · 81–90% LVR 6.52 → 6.56
- 3yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.13 → 6.19
- 3yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.17 → 6.22
- 3yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.34 → 6.40
- 3yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.69 → 6.75
- 3yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.18 → 6.24
- 3yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.22 → 6.28
- 3yr Fixed · P&I · Investor · 1–70% LVR 6.25 → 6.31
- 3yr Fixed · P&I · Investor · 71–80% LVR 6.29 → 6.35
- 3yr Fixed · P&I · Investor · 81–90% LVR 6.53 → 6.59
- 3yr Fixed · Interest Only · Investor · 1–70% LVR 6.28 → 6.34
- 3yr Fixed · Interest Only · Investor · 71–80% LVR 6.32 → 6.37
- 3yr Fixed · Interest Only · Investor · 81–90% LVR 6.56 → 6.62
- 4yr Fixed · P&I · Owner-occupier · 1–70% LVR 6.20 → 6.27
- 4yr Fixed · P&I · Owner-occupier · 71–80% LVR 6.23 → 6.31
- 4yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.40 → 6.47
- 4yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.72 → 6.79
- 4yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.30 → 6.37
- 4yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.33 → 6.41
- 4yr Fixed · P&I · Investor · 1–70% LVR 6.33 → 6.41
- 4yr Fixed · P&I · Investor · 71–80% LVR 6.37 → 6.44
- 4yr Fixed · P&I · Investor · 81–90% LVR 6.59 → 6.67
- 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 · Investor · 81–90% LVR 6.64 → 6.72
- 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
- 5yr Fixed · P&I · Owner-occupier · 81–90% LVR 6.42 → 6.51
- 5yr Fixed · P&I · Owner-occupier · 91–95% LVR 6.72 → 6.81
- 5yr Fixed · Interest Only · Owner-occupier · 1–70% LVR 6.36 → 6.45
- 5yr Fixed · Interest Only · Owner-occupier · 71–80% LVR 6.39 → 6.47
- 5yr Fixed · P&I · Investor · 1–70% LVR 6.37 → 6.46
- 5yr Fixed · P&I · Investor · 71–80% LVR 6.39 → 6.48
- 5yr Fixed · P&I · Investor · 81–90% LVR 6.61 → 6.70
- 5yr Fixed · Interest Only · Investor · 1–70% LVR 6.42 → 6.51
- 5yr Fixed · Interest Only · Investor · 71–80% LVR 6.45 → 6.54
- 5yr Fixed · Interest Only · Investor · 81–90% LVR 6.67 → 6.75
Rates by variant
Comparison rate · advertised rate- 1yr Fixed · P&I · Owner-occupier · 1–70% LVR
- 6.06% comparison · 6.44% advertised
- 1yr Fixed · P&I · Owner-occupier · 71–80% LVR
- 6.11% comparison · 6.44% advertised
- 1yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 6.30% comparison · 6.59% advertised
- 1yr Fixed · P&I · Owner-occupier · 91–95% LVR
- 6.72% comparison · 6.69% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 1–70% LVR
- 6.09% comparison · 6.69% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 71–80% LVR
- 6.13% comparison · 6.69% advertised
- 1yr Fixed · P&I · Investor · 1–70% LVR
- 6.21% comparison · 6.59% advertised
- 1yr Fixed · P&I · Investor · 71–80% LVR
- 6.26% comparison · 6.59% advertised
- 1yr Fixed · P&I · Investor · 81–90% LVR
- 6.54% comparison · 6.69% advertised
- 1yr Fixed · Interest Only · Investor · 1–70% LVR
- 6.22% comparison · 6.64% advertised
- 1yr Fixed · Interest Only · Investor · 71–80% LVR
- 6.26% comparison · 6.64% advertised
- 1yr Fixed · Interest Only · Investor · 81–90% LVR
- 6.54% comparison · 6.74% advertised
- 2yr Fixed · P&I · Owner-occupier · 1–70% LVR
- 6.10% comparison · 6.39% advertised
- 2yr Fixed · P&I · Owner-occupier · 71–80% LVR
- 6.14% comparison · 6.39% advertised
- 2yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 6.33% comparison · 6.54% advertised
- 2yr Fixed · P&I · Owner-occupier · 91–95% LVR
- 6.71% comparison · 6.64% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 1–70% LVR
- 6.14% comparison · 6.64% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 71–80% LVR
- 6.18% comparison · 6.64% advertised
- 2yr Fixed · P&I · Investor · 1–70% LVR
- 6.26% comparison · 6.59% advertised
- 2yr Fixed · P&I · Investor · 71–80% LVR
- 6.30% comparison · 6.59% advertised
- 2yr Fixed · P&I · Investor · 81–90% LVR
- 6.56% comparison · 6.69% advertised
- 2yr Fixed · Interest Only · Investor · 1–70% LVR
- 6.26% comparison · 6.59% advertised
- 2yr Fixed · Interest Only · Investor · 71–80% LVR
- 6.30% comparison · 6.59% advertised
- 2yr Fixed · Interest Only · Investor · 81–90% LVR
- 6.56% comparison · 6.69% advertised
- 3yr Fixed · P&I · Owner-occupier · 1–70% LVR
- 6.19% comparison · 6.59% advertised
- 3yr Fixed · P&I · Owner-occupier · 71–80% LVR
- 6.22% comparison · 6.59% advertised
- 3yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 6.40% comparison · 6.69% advertised
- 3yr Fixed · P&I · Owner-occupier · 91–95% LVR
- 6.75% comparison · 6.79% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 1–70% LVR
- 6.24% comparison · 6.79% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 71–80% LVR
- 6.28% comparison · 6.79% advertised
- 3yr Fixed · P&I · Investor · 1–70% LVR
- 6.31% comparison · 6.64% advertised
- 3yr Fixed · P&I · Investor · 71–80% LVR
- 6.35% comparison · 6.64% advertised
- 3yr Fixed · P&I · Investor · 81–90% LVR
- 6.59% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · 1–70% LVR
- 6.34% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · 71–80% LVR
- 6.37% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · 81–90% LVR
- 6.62% comparison · 6.84% advertised
- 4yr Fixed · P&I · Owner-occupier · 1–70% LVR
- 6.27% comparison · 6.69% advertised
- 4yr Fixed · P&I · Owner-occupier · 71–80% LVR
- 6.31% comparison · 6.69% advertised
- 4yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 6.47% comparison · 6.79% advertised
- 4yr Fixed · P&I · Owner-occupier · 91–95% LVR
- 6.79% comparison · 6.89% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 1–70% LVR
- 6.37% comparison · 6.99% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 71–80% LVR
- 6.41% comparison · 6.99% advertised
- 4yr Fixed · P&I · Investor · 1–70% LVR
- 6.41% comparison · 6.79% advertised
- 4yr Fixed · P&I · Investor · 71–80% LVR
- 6.44% comparison · 6.79% advertised
- 4yr Fixed · P&I · Investor · 81–90% LVR
- 6.67% comparison · 6.89% advertised
- 4yr Fixed · Interest Only · Investor · 1–70% LVR
- 6.45% comparison · 6.94% advertised
- 4yr Fixed · Interest Only · Investor · 71–80% LVR
- 6.49% comparison · 6.94% advertised
- 4yr Fixed · Interest Only · Investor · 81–90% LVR
- 6.72% comparison · 7.04% advertised
- 5yr Fixed · P&I · Owner-occupier · 1–70% LVR
- 6.33% comparison · 6.69% advertised
- 5yr Fixed · P&I · Owner-occupier · 71–80% LVR
- 6.35% comparison · 6.69% advertised
- 5yr Fixed · P&I · Owner-occupier · 81–90% LVR
- 6.51% comparison · 6.79% advertised
- 5yr Fixed · P&I · Owner-occupier · 91–95% LVR
- 6.81% comparison · 6.89% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 1–70% LVR
- 6.45% comparison · 6.99% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 71–80% LVR
- 6.47% comparison · 6.99% advertised
- 5yr Fixed · P&I · Investor · 1–70% LVR
- 6.46% comparison · 6.79% advertised
- 5yr Fixed · P&I · Investor · 71–80% LVR
- 6.48% comparison · 6.79% advertised
- 5yr Fixed · P&I · Investor · 81–90% LVR
- 6.70% comparison · 6.89% advertised
- 5yr Fixed · Interest Only · Investor · 1–70% LVR
- 6.51% comparison · 6.94% advertised
- 5yr Fixed · Interest Only · Investor · 71–80% LVR
- 6.54% comparison · 6.94% advertised
- 5yr Fixed · Interest Only · Investor · 81–90% LVR
- 6.75% comparison · 7.04% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
Features
Headline variant- Offset account
- No
- Redraw
- No
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $20,000
- Maximum loan
- $3,000,000
About this product
Fixed interest rate home loans for terms of one to five years.