Fixed Rate Loan
Fixed interest rate home loans for terms of one to five years.
- From (owner occupied)
- 6.34%
- 6.09% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Owner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates. | 6.34% | 6.09% | Loan to Value Ratio ≤70% |
| Fixed · 2 years Owner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates. | 6.34% | 6.13% | Loan to Value Ratio 71–80% |
| Fixed · 3 years Owner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates. | 6.39% | 6.13% | Loan to Value Ratio ≤70% |
| Fixed · 3 years Owner occupier - Principal & Interest. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates. | 6.39% | 6.17% |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Owner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates. | 6.44% | 6.1% | Loan to Value Ratio ≤70% |
| Fixed · 2 years Owner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates. | 6.44% | 6.15% | Loan to Value Ratio 71–80% |
| Fixed · 1 year Owner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates. | 6.49% | 6.07% | Loan to Value Ratio ≤70% |
| Fixed · 1 year Owner occupier - Interest only. Where an owner occupier Fixed Rate Loan is combined with an Orange Advantage (100% interest Offset) home loan , a fixed interest rate discount of 0.10% p.a. will apply to our advertised fixed interest rates. | 6.49% |
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year Investor - Principal & Interest. | 6.39% | 6.19% | Loan to Value Ratio ≤70% |
| Fixed · 2 years Investor - Principal & Interest. | 6.39% | 6.22% | Loan to Value Ratio ≤70% |
| Fixed · 1 year Investor - Principal & Interest. | 6.39% | 6.24% | Loan to Value Ratio 71–80% |
| Fixed · 2 years Investor - Principal & Interest. | 6.39% | 6.26% | Loan to Value Ratio 71–80% |
| Fixed · 3 years Investor - Principal & Interest. | 6.44% | 6.25% | Loan to Value Ratio ≤70% |
Investment — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 2 years Investor - Interest only. | 6.39% | 6.22% | Loan to Value Ratio ≤70% |
| Fixed · 2 years Investor - Interest only. | 6.39% | 6.26% | Loan to Value Ratio 71–80% |
| Fixed · 1 year Investor - Interest only. | 6.44% | 6.2% | Loan to Value Ratio ≤70% |
| Fixed · 1 year Investor - Interest only. | 6.44% | 6.24% | Loan to Value Ratio 71–80% |
| Fixed · 2 years Investor - Interest only. | 6.49% | 6.52% | Loan to Value Ratio 81–90% |
| Fixed |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual fee Charged yearly · There are no monthly, annual or transaction fees. | Ongoing | $0.00 |
| Settlement fee For each loan application and is charged at settlement. | Upfront | $350.00 |
| Change to letter of offer This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement. | Event | $250.00 |
| Additional statements $7 for each statement period. | Event | $7.00 |
| Increase/decrease to loan amount | Event | $300.00 |
| Product switch Automatically switches to a variable Mortgage Simplifier at the end of the fixed term free of charge. Break cost may be payable if at any time before the fixed term expires, you change your loan type. | Event | $300.00 |
| Substitution of security | Event |
Features
- Discounts on other products — Discounts on your Home & Contents insurance
- Breathe easier and save 30% on new policies when you combine home with contents insurance online.
- Digital banking
- Notifications — Transaction notification
- Receive SMS notifications when your balance is above or below an amount, a deposit is made or when your salary is deposited.
- It's free to make additional repayments (less than $10,000 per settlement anniversary).
- Split Loan
Eligibility
- Minimum age — 18 yearsYou must be aged 18 or over.
- Residency status — AUAvailable to Australian citizen or Australian permanent resident.
- Residency status — NZAvailable to New Zealand citizens living in Australia.
- Have and maintain an Australian residential address.
Constraints
- Minimum limit — $20,000.00
- Maximum limit — $3,000,000.00
- Maximum LVR — 95%
- Minimum LVR — 0%
More Information
Published by ING BANK (Australia) Ltd under the Consumer Data Right · Last updated 14 May 2026 · Product ID 4bacdad3-d6f4-4c99-a50b-690a46bd9a23 · View on CDR.gov.au · View Source Data (JSON)