---
title: "Fixed Rate Loan — ING BANK (Australia) Ltd"
description: "Home Loans from ING BANK (Australia) Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/4bacdad3-d6f4-4c99-a50b-690a46bd9a23
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-17T05:36:45.636Z
---

# Fixed Rate Loan — ING BANK (Australia) Ltd

> Home Loans from ING BANK (Australia) Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

Fixed interest rate home loans for terms of one to five years.

## At a glance

- **From (owner occupied):** 6.19% (6.06% 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.) | 6.19% | 6.06% | 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.) | 6.19% | 6.1% | Loan to Value Ratio 71–80% |
| Fixed · 1 year (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.) | 6.24% | 6.04% | Loan to Value Ratio ≤70% |
| Fixed · 1 year (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.) | 6.24% | 6.09% | Loan to Value Ratio 71–80% |
| Fixed · 2 years (Owner occupier - Principal & Interest.) | 6.29% | 6.08% | Loan to Value Ratio ≤70% |
| Fixed · 2 years (Owner occupier - Principal & Interest.) | 6.29% | 6.12% | Loan to Value Ratio 71–80% |
| 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% | 6.29% | Loan to Value Ratio 81–90% |
| Fixed · 1 year (Owner occupier - Principal & Interest.) | 6.34% | 6.05% | Loan to Value Ratio ≤70% |
| Fixed · 1 year (Owner occupier - Principal & Interest.) | 6.34% | 6.1% | Loan to Value Ratio 71–80% |
| Fixed · 1 year (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% | 6.28% | Loan to Value Ratio 81–90% |
| 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% | Loan to Value Ratio 71–80% |
| Fixed · 2 years (Owner occupier - Principal & Interest.) | 6.44% | 6.31% | Loan to Value Ratio 81–90% |
| 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.) | 6.44% | 6.67% | Loan to Value Ratio 91–95% |
| Fixed · 1 year (Owner occupier - Principal & Interest.) | 6.49% | 6.29% | Loan to Value Ratio 81–90% |
| 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.) | 6.49% | 6.34% | Loan to Value Ratio 81–90% |
| Fixed · 3 years (Owner occupier - Principal & Interest.) | 6.49% | 6.16% | Loan to Value Ratio ≤70% |
| Fixed · 3 years (Owner occupier - Principal & Interest.) | 6.49% | 6.2% | Loan to Value Ratio 71–80% |
| Fixed · 4 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.) | 6.49% | 6.2% | Loan to Value Ratio ≤70% |
| Fixed · 5 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.) | 6.49% | 6.24% | Loan to Value Ratio ≤70% |
| Fixed · 4 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.) | 6.49% | 6.23% | Loan to Value Ratio 71–80% |
| Fixed · 5 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.) | 6.49% | 6.27% | Loan to Value Ratio 71–80% |
| Fixed · 1 year (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.) | 6.49% | 6.7% | Loan to Value Ratio 91–95% |
| Fixed · 2 years (Owner occupier - Principal & Interest.) | 6.54% | 6.69% | Loan to Value Ratio 91–95% |
| Fixed · 3 years (Owner occupier - Principal & Interest.) | 6.59% | 6.37% | Loan to Value Ratio 81–90% |
| Fixed · 4 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.) | 6.59% | 6.4% | Loan to Value Ratio 81–90% |
| Fixed · 5 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.) | 6.59% | 6.42% | Loan to Value Ratio 81–90% |
| Fixed · 4 years (Owner occupier - Principal & Interest.) | 6.59% | 6.24% | Loan to Value Ratio ≤70% |
| Fixed · 5 years (Owner occupier - Principal & Interest.) | 6.59% | 6.28% | Loan to Value Ratio ≤70% |
| Fixed · 4 years (Owner occupier - Principal & Interest.) | 6.59% | 6.27% | Loan to Value Ratio 71–80% |
| Fixed · 5 years (Owner occupier - Principal & Interest.) | 6.59% | 6.31% | Loan to Value Ratio 71–80% |
| Fixed · 1 year (Owner occupier - Principal & Interest.) | 6.59% | 6.71% | Loan to Value Ratio 91–95% |
| 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.) | 6.59% | 6.69% | Loan to Value Ratio 91–95% |
| Fixed · 4 years (Owner occupier - Principal & Interest.) | 6.69% | 6.43% | Loan to Value Ratio 81–90% |
| Fixed · 5 years (Owner occupier - Principal & Interest.) | 6.69% | 6.47% | Loan to Value Ratio 81–90% |
| Fixed · 3 years (Owner occupier - Principal & Interest.) | 6.69% | 6.72% | Loan to Value Ratio 91–95% |
| Fixed · 4 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.) | 6.69% | 6.72% | Loan to Value Ratio 91–95% |
| Fixed · 5 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.) | 6.69% | 6.72% | Loan to Value Ratio 91–95% |
| Fixed · 4 years (Owner occupier - Principal & Interest.) | 6.79% | 6.76% | Loan to Value Ratio 91–95% |
| Fixed · 5 years (Owner occupier - Principal & Interest.) | 6.79% | 6.76% | Loan to Value Ratio 91–95% |

### 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% | 6.11% | Loan to Value Ratio 71–80% |
| Fixed · 2 years (Owner occupier - Interest only.) | 6.54% | 6.12% | Loan to Value Ratio ≤70% |
| Fixed · 2 years (Owner occupier - Interest only.) | 6.54% | 6.16% | Loan to Value Ratio 71–80% |
| Fixed · 1 year (Owner occupier - Interest only.) | 6.59% | 6.08% | Loan to Value Ratio ≤70% |
| Fixed · 1 year (Owner occupier - Interest only.) | 6.59% | 6.12% | Loan to Value Ratio 71–80% |
| Fixed · 3 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.) | 6.59% | 6.18% | Loan to Value Ratio ≤70% |
| Fixed · 3 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.) | 6.59% | 6.22% | Loan to Value Ratio 71–80% |
| Fixed · 3 years (Owner occupier - Interest only.) | 6.69% | 6.21% | Loan to Value Ratio ≤70% |
| Fixed · 3 years (Owner occupier - Interest only.) | 6.69% | 6.25% | Loan to Value Ratio 71–80% |
| Fixed · 4 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.) | 6.79% | 6.3% | Loan to Value Ratio ≤70% |
| Fixed · 5 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.) | 6.79% | 6.36% | Loan to Value Ratio ≤70% |
| Fixed · 4 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.) | 6.79% | 6.33% | Loan to Value Ratio 71–80% |
| Fixed · 5 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.) | 6.79% | 6.39% | Loan to Value Ratio 71–80% |
| Fixed · 4 years (Owner occupier - Interest only.) | 6.89% | 6.34% | Loan to Value Ratio ≤70% |
| Fixed · 5 years (Owner occupier - Interest only.) | 6.89% | 6.4% | Loan to Value Ratio ≤70% |
| Fixed · 4 years (Owner occupier - Interest only.) | 6.89% | 6.37% | Loan to Value Ratio 71–80% |
| Fixed · 5 years (Owner occupier - Interest only.) | 6.89% | 6.43% | Loan to Value Ratio 71–80% |

### 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% |
| Fixed · 3 years (Investor - Principal & Interest.) | 6.44% | 6.29% | Loan to Value Ratio 71–80% |
| Fixed · 1 year (Investor - Principal & Interest.) | 6.49% | 6.52% | Loan to Value Ratio 81–90% |
| Fixed · 2 years (Investor - Principal & Interest.) | 6.49% | 6.52% | Loan to Value Ratio 81–90% |
| Fixed · 3 years (Investor - Principal & Interest.) | 6.54% | 6.53% | Loan to Value Ratio 81–90% |
| Fixed · 4 years (Investor - Principal & Interest.) | 6.59% | 6.33% | Loan to Value Ratio ≤70% |
| Fixed · 5 years (Investor - Principal & Interest.) | 6.59% | 6.37% | Loan to Value Ratio ≤70% |
| Fixed · 4 years (Investor - Principal & Interest.) | 6.59% | 6.37% | Loan to Value Ratio 71–80% |
| Fixed · 5 years (Investor - Principal & Interest.) | 6.59% | 6.39% | Loan to Value Ratio 71–80% |
| Fixed · 4 years (Investor - Principal & Interest.) | 6.69% | 6.59% | Loan to Value Ratio 81–90% |
| Fixed · 5 years (Investor - Principal & Interest.) | 6.69% | 6.61% | Loan to Value Ratio 81–90% |

### 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 · 3 years (Investor - Interest only.) | 6.54% | 6.28% | Loan to Value Ratio ≤70% |
| Fixed · 3 years (Investor - Interest only.) | 6.54% | 6.32% | Loan to Value Ratio 71–80% |
| Fixed · 1 year (Investor - Interest only.) | 6.54% | 6.52% | Loan to Value Ratio 81–90% |
| Fixed · 3 years (Investor - Interest only.) | 6.64% | 6.56% | Loan to Value Ratio 81–90% |
| Fixed · 4 years (Investor - Interest only.) | 6.74% | 6.38% | Loan to Value Ratio ≤70% |
| Fixed · 5 years (Investor - Interest only.) | 6.74% | 6.42% | Loan to Value Ratio ≤70% |
| Fixed · 4 years (Investor - Interest only.) | 6.74% | 6.41% | Loan to Value Ratio 71–80% |
| Fixed · 5 years (Investor - Interest only.) | 6.74% | 6.45% | Loan to Value Ratio 71–80% |
| Fixed · 4 years (Investor - Interest only.) | 6.84% | 6.64% | Loan to Value Ratio 81–90% |
| Fixed · 5 years (Investor - Interest only.) | 6.84% | 6.67% | Loan to Value Ratio 81–90% |

## 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 | $300.00 |
| Discharge Full and Partial | Event | $250.00 |
| Consent to Subdivision/2nd mortgage | Event | $300.00 |
| Removal or change to borrowers or guarantors | Event | $300.00 |
| Dishonoured cheque | Dishonour | $9.00 |
| Direct debit rejected — $9 for each direct debit rejected. | Event | $9.00 |
| Arrears Default Letter — $40 for each letter. | Event | $40.00 |
| Fixed Rate Lock in — Charged to lock in your fixed rate prior to settlement and is charged per fixed rate loan account. | Event | $749.00 |
| Valuation Fee — A valuation fee is payable. ING will cover up to $225 of the valuation fee (GST inclusive) for the first valuation/property only. | Event | From $0.00 |
| Late payment fee — $30 when you do not pay any amount owing within 5 days of its due date | Late payment | $30.00 |

## 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.)
- **Extra repayments** (It's free to make additional repayments (less than $10,000 per settlement anniversary).)
- **Split Loan**

## Eligibility

- **Minimum age** — 18 years (You must be aged 18 or over.)
- **Residency status** — AU (Available to Australian citizen or Australian permanent resident.)
- **Residency status** — NZ (Available 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 from ING BANK (Australia) Ltd

- [Overview](https://www.ing.com.au/home-loans/fixed-rate-home-loan.html)

## Data provenance

- Published by ING BANK (Australia) Ltd under the Consumer Data Right
- Product ID: `4bacdad3-d6f4-4c99-a50b-690a46bd9a23`
- Last updated by the provider: 17 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ing-bank-australia-ltd/4bacdad3-d6f4-4c99-a50b-690a46bd9a23
- Provider page: https://www.cdrcompare.au/brands/ing-bank-australia-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000026

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/4bacdad3-d6f4-4c99-a50b-690a46bd9a23) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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