Variable
Mortgage Simplifier Variable
- Optional offset
- No annual fee
- Free extra repayments and redraw
Sharp variable with low comparison rate
Current rate: published on ING's own rate card
Tier-2 bank
ING Australia
SydneyFounded 1999ACL/Banking Licence 229823
Strengths
- Sharp variable home loan rates
- Orange Everyday transaction account integrates with offset
- Mobile-first banking experience
- Strong savings rate range
Watch out for
- No branches; phone and digital servicing only
- Some products require Orange Everyday account ownership
ING products
Editorial reference covering the product range ING offers and the structural strengths and trade-offs we observe in the market. The current headline rate and comparison rate sit on ING\'s own rate card; we do not reproduce them here.
Home loans
Fixed 2yr
Orange Advantage Fixed 2 Years
- Fixed term certainty
Current rate: published on ING's own rate card
Personal loans
Unsecured
ING Personal Loan
- Fixed rate
- No early payout fees
- Loan terms 2-7 years
Current rate: published on ING's own rate card
Our ING coverage
- ING review: the independent read
Who they suit, who should look elsewhere, and the verdict.
- ING home loans: the deep dive
Mortgage Simplifier variable, Orange Advantage with offset, fixed 1 to 5 years. Why ING punches above its weight on rates and where the trade-offs sit.
- ING personal loans: the deep dive
Unsecured fixed-rate loan up to $60,000, 2 to 7 year terms, no monthly account fee. The product range and where it sits against the Big 4.
- Athena vs ING home loan: which digital-first lender in 2026
Two of the sharpest non-Big-4 home loan options in Australia. The variable rate gap, offset positioning, credit policy fit, and which lender wins for prime owner-occupier files.
- Macquarie vs ING home loan: which non-Big-4 lender in 2026
Two of the most competitive non-Big-4 home loan options in Australia. Rate positioning, offset, investor and SMSF capability, and which lender wins for which file.
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. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The ING Australia rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
★★★★★4.9 across 320+ broker-partner reviewsAustralian Credit Licence 505575Independent. Education first.