- ING is ideal for borrowers who want a competitive online lender with low fees, flexible loan features, and a strong reputation for customer satisfaction.
- Top 3 reasons to choose ING:
– Consistently low interest rates across owner-occupier and investor loans
– Full digital experience with no ongoing fees on basic products
– Great customer satisfaction scores and responsive Australian support - Key drawbacks to consider:
– No physical branches
– Offset account only available with packaged loan (Orange Advantage)
– Strict policy on living expenses and credit history
Who Is ING Bank?
ING is a digital bank and part of the global ING Group, headquartered in the Netherlands. In Australia, ING has carved out a strong presence as one of the most popular non-big-four lenders, consistently rated highly for customer service and product simplicity.
As an online-only lender, ING has no branches and encourages self-service through its app and online banking — but also offers a full suite of home loan products, personal banking, and savings accounts.
ING Home Loan Customer Reviews
The interest rate and features of ING’s home loan are excellent, but the initial approval process took a bit longer than expected. Communication could’ve been a bit faster in the early stages, but overall it was good. Next time I think I'll use a broker as I hear it's faster that way.
Nick Fenwick
Just completed a top-up on our existing home loan with ING and the process was as smooth as the original loan. Minimal paperwork, clear instructions, and prompt responses. It's great when a bank delivers consistency.
Lucy Davenport
I was a bit hesitant about going with an online-only lender, but ING proved to be extremely reliable. The customer service team was helpful and the digital platform was user-friendly. Great value and very professional.
Peter Faulkner
We’ve had our ING home loan for a while and love the flexibility it offers. The redraw feature and linked Orange Everyday account make managing repayments super simple. Very happy overall.
Eliza Summers
ING’s home loan process was mostly smooth, though I did have to follow up once during the document verification stage. That said, their support team was quick to get things back on track and everything was settled on time. Would still recommend.
Declan Boyd
The mobile app and online banking with ING are fantastic—it made managing our home loan and offset account very easy. We’ve also appreciated the consistent service. Never had to chase anyone up, which is a huge plus.
Stephanie Hewlett
We refinanced our mortgage with ING earlier this year and saved a decent chunk in interest. The process took about two weeks, which was faster than I expected. Everything was handled by our broker, which made it super convenient.
Jordan Flynn
ING made our first home buying experience really positive. Their rates were competitive, and the application process was straightforward with the help of Eden Emerald mortgage broker. What really stood out was their customer service, always quick to respond and explain things in plain English.
Tess Marino
I’ve had home loans with two other banks before moving to ING, and this has been by far the easiest experience. Fast approval, great digital tools, and clear communication throughout the process. Will be sticking with them long-term.
Michael Kwan
Just settled our home loan through ING and couldn’t be happier. The interest rate was excellent, and the entire process was smooth from start to finish. The online portal was easy to use and made uploading documents simple. Highly recommend.
Hannah Doyle
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Types of ING Home Loans
ING offers a small but well-rounded set of home loan options:
Orange Advantage Home Loan
(Package Loan)
- Variable rate loan with 100% offset account
- Annual package fee of $299
- Interest rate discounts based on borrowing amount and LVR
- Redraw facility and flexible repayments
- Suited for borrowers who want full features and offset
Mortgage Simplifier (Basic Loan)
- Low variable rate with no ongoing fees
- No offset account, but redraw available
- Allows extra repayments and flexible repayment schedule
- Ideal for cost-conscious borrowers who don’t need an offset
Fixed Rate Loan
- Fixed terms from 1 to 5 years
- Split option available
- Extra repayments of up to $10,000 per year
- Redraw not available during fixed period
- Suitable for borrowers who want rate certainty
Investor Loans
- Orange Advantage and Mortgage Simplifier both available for investors
- Interest-only or Principal & Interest
- Offset available with Orange Advantage
- Competitive investor rates with low fees
Refinancing Loans
- Simple digital refinance process
- Competitive rates and fee-free options
- No cashback but ongoing cost savings
- Good option for low-fuss refinancers
ING Bank Interest Rates & Fees
ING is well known for offering consistently low rates and low fees — especially on its Mortgage Simplifier loan.
- Mortgage Simplifier: No annual or monthly fees
- Orange Advantage: $299 annual package fee includes offset account and rate discounts
- Fixed loans: No setup fee; $0 discharge fee
- Competitive comparison rates across all loan types
- Interest rates tiered based on LVR and loan amount
ING frequently ranks in Canstar and Mozo awards for offering low-cost home loans with strong customer satisfaction.
For the latest ING interest rates and fees for your personal circumstances, speak to a mortgage broker for FREE guidance. They can also help you compare ING's home loans with over 70+ other banks and lenders to ensure you are getting the best deal.
Key Features of ING Home Loans
Here are some of the most appealing features ING offers:
- 100% Offset Account: Included with Orange Advantage package
- No Ongoing Fees: Mortgage Simplifier comes with no annual or monthly charges
- Redraw Facility: Access extra repayments anytime on variable loans
- Flexible Repayments: Choose from weekly, fortnightly, or monthly
- Split Loans Available: Combine fixed and variable
- Award-Winning App: Manage repayments, redraws, and transfers easily
Great Customer Support: Australian-based and consistently rated highly
Pros & Cons of ING Home Loans
Pros:
✅ Low variable and fixed rates across most borrower types
✅ Offset account available (with package loan)
✅ No monthly fees on basic loan
✅ Fast and simple digital application process
✅ Strong customer service reputation
Cons:
❌ No branches for in-person service
❌ Offset account only comes with $299 annual package fee
❌ Conservative lending criteria — higher scrutiny on expenses and debts
Is ING a Good Lender?
ING is one of the best digital banks for Australians seeking value, simplicity, and low-cost lending. It’s especially suited for:
- Budget-conscious borrowers who want no monthly fees
- Digital-first customers who don’t need branch support
- Property owners who want an offset account without complex extras
- Refinancers looking for a low-rate, low-hassle loan
If you’re confident with online banking and want a reliable lender with great service, ING is a strong contender.
How to Apply for an ING Home Loan
ING home loans are available via online application on the ING website, or through an accredited mortgage broker. Most ING customers apply through a broker to get help with documentation and comparisons. Speak to a free mortgage broker from EE Mortgages by filling out this form.
Documents typically required:
- Proof of ID (driver’s licence, passport)
- Income verification (payslips or tax returns)
- Expense breakdown
- Deposit and savings evidence
- Existing loan and credit details
Application process:
- Online pre-approval within 1–2 business days
- Full approval typically takes 5–7 business days
- Fast and efficient settlement for refinances
- ING offers live tracking of application progress via your online account
- A mortgage broker can help speed up the process and ensure paperwork is correct
Need Help Comparing ING to Other Lenders?
Let Eden Emerald Mortgages help you compare ING loans with hundreds of others across the market. Whether you're buying, refinancing, or investing, we’ll make sure you get the best rate and features for your financial goals.
Our services are 100% free for you, (we are paid a commission by the lender), so there is no downside to working with us.
Speak to an Expert and
Get Your Mortgage Approved
To get started on your journey of securing a home loan, fill in the form below, and an experienced mortgage broker will contact you about your personal situation. You can also call us directly on (02) 9188 9398.
