ING Australia is a bank outside the big four. It offers home loans, car loans, personal loans and business loans.
On APRA’s August 2026 figures, ING Bank (Australia) Limited held $75.0 billion of home loans on its Australian books: 3.0% of the housing lending by the deposit-taking institutions APRA reports, the 6th largest of the 64 with home loans.
We checked ING's products and eligibility on its own website on 30 September 2026.
What ING offers in each category, with the features, eligibility and trade-offs we note. Where we captured a current rate from ING’s own page in the last 60 days, it is shown with its comparison rate and a link to the source; for the other products, follow the link to ING’s rate card.
*Comparison rates are calculated on the lender's own example: for home loans usually $150,000 over 25 years, for car and personal loans usually $30,000 over five 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.
ING compares three home loans side by side. The Mortgage Simplifier is a variable rate loan with no ongoing monthly or annual fees, free extra repayments and redraw. The Orange Advantage is a variable rate loan with a 100% interest offset through a linked Orange Everyday account and a $299 annual fee. The Fixed Rate Home Loan fixes the rate for one to five years, allows additional repayments of up to $10,000 per fixed year and has no offset facility.
Eligible ING home loan customers can add a Green Upgrade Loan of $5,000 to $50,000 to their existing loan to pay for approved energy-efficient upgrades such as solar panels, batteries and EV chargers. It has a 5-year fixed rate and no upfront fees, and then converts to the Mortgage Simplifier variable rate.
Outside home loans, ING offers the ING Personal Loan, an unsecured fixed rate loan of $5,000 to $60,000. For car purchases, ING promotes this personal loan rather than a secured car loan, and it does not hold the vehicle as collateral. For commercial property, ING offers Priority Commercial Loans of $500,000 to $8,000,000 and Commercial Property Finance for investment and development lending of $5 million or more.
ING's home loans are aimed at first home buyers, refinancers, renovators and property investors. They are available to owner occupiers and investors, with principal and interest or interest-only repayments, and its published rate tables are based on minimum total borrowings of $150,000. ING publishes Mortgage Simplifier rates for owner-occupier principal and interest loans up to a 95% LVR and for investor principal and interest loans up to a 90% LVR.
The ING Personal Loan has narrower eligibility. Applicants must be 18 or over, be an Australian or New Zealand citizen or an Australian permanent resident with an Australian residential address, and earn at least $36,000 a year before tax with PAYG payslips as their main source of income. ING states that its personal loans are currently not available to self-employed applicants, and the rate offered is based on the applicant's Equifax credit score and financial situation.
ING's commercial loans are for self-employed trading businesses buying or refinancing commercial property for owner occupation or investment. Its Commercial Property Finance team lends $5 million or more to property investors and developers.
ING describes itself as a branchless bank. Home loan applications can be started online, which ING says takes about 10 minutes, or by calling 1800 100 258 between 8am and 6pm Monday to Friday or 9am and 5pm on Saturday (AEST/AEDT). An assigned home loan specialist then contacts the applicant, and ING provides updates by online tracking, SMS and email. Pre-approval is available for buyers who want to know how much they could borrow before making an offer.
Personal loan applications are made through ING's online form, which ING says takes about 20 minutes. If the loan is approved, existing customers who have the money paid into their Orange Everyday account can receive it on the same day they accept the loan offer. Commercial Property Finance enquiries are made by email, after which a commercial property finance specialist makes contact.
ING is a business name of ING Bank (Australia) Limited (ABN 24 000 893 292), which holds Australian Financial Services Licence and Australian Credit Licence 229823. ING's Australian website states that the business is wholly owned by ING Group.
Other lenders in our directory that offer home loans, car loans, personal loans, business loans, starting with other tier-2 bank lenders.
Who they suit, who should look elsewhere, and the verdict.
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.
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.
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.
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.
Yes, on the Orange Advantage home loan. It offers a 100% interest offset when the loan is linked to an Orange Everyday account, and it carries a $299 annual fee. The offset is not available on the Mortgage Simplifier or on fixed rate loans.
Not a secured car loan. ING markets its unsecured ING Personal Loan, $5,000 to $60,000 at a fixed rate over 2 to 7 years, as the ING Personal Loan for a car, and it does not hold the vehicle as collateral. The car loan comparison lists lenders with secured car loans.
ING lends $5,000 to $60,000 on its personal loan, at a fixed rate over 2 to 7 years. Terms of 6 and 7 years are only available for loans over $30,000. Fees include a $199 establishment fee ($249 for accounts opened after 24 November 2026) and an $8 monthly loan service fee, and there is no early repayment fee.
Yes. ING says it takes about 10 minutes to start a home loan application online, and applicants can also apply by calling 1800 100 258. An assigned home loan specialist then makes contact, and progress updates are sent by online tracking, SMS and email.
No. ING states that its personal loans are currently not available to self-employed applicants. Applicants need to earn at least $36,000 a year before tax with PAYG payslips as their primary source of income.
It is a loan of $5,000 to $50,000 that eligible ING home loan customers can add to their existing home loan to pay for approved energy-efficient upgrades such as solar panels, batteries and EV chargers. It has a 5-year fixed rate and no upfront fees. To qualify, the combined LVR of the home loan and the Green Upgrade Loan must be 80% or less, and the borrower must hold an active Orange Everyday account.
Yes. ING’s loans are provided by ING Bank (Australia) Limited, which is on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959.
ING Bank (Australia) Limited holds Australian Credit Licence 229823. You can check a licence on ASIC’s Professional Registers before you apply.