---
title: "Orange Advantage — 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/9b408eec-e2ff-4c65-a19f-d72fbaa181f9
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-17T05:36:45.636Z
---

# Orange Advantage — 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**

Includes a 100% interest offset when linked to our Orange Everyday bank account.

## At a glance

- **From (owner occupied):** 6.14% (6.43% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner occupier - Principal & Interest.) | 6.14% | 6.43% | Total borrowing $150,000+; Loan to Value Ratio ≤50% |
| Variable (Owner occupier - Principal & Interest.) | 6.14% | 6.43% | Total borrowing $150,000+; Loan to Value Ratio 51–60% |
| Variable (Owner occupier - Principal & Interest.) | 6.14% | 6.43% | Total borrowing $150,000+; Loan to Value Ratio 61–70% |
| Variable (Owner occupier - Principal & Interest.) | 6.14% | 6.43% | Loan to Value Ratio 71–80%; Total borrowing $150,000+ |
| Variable (Owner occupier - Principal & Interest.) | 6.34% | 6.63% | Total borrowing $150,000+; Loan to Value Ratio 81–90% |
| Variable (Owner occupier - Principal & Interest.) | 6.69% | 6.97% | Total borrowing $150,000+; Loan to Value Ratio 91–95% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Owner occupier - Interest only.) | 6.69% | 6.64% | Loan to Value Ratio ≤50%; Total borrowing $150,000+ |
| Variable (Owner occupier - Interest only.) | 6.69% | 6.64% | Total borrowing $150,000+; Loan to Value Ratio 51–60% |
| Variable (Owner occupier - Interest only.) | 6.69% | 6.64% | Total borrowing $150,000+; Loan to Value Ratio 61–70% |
| Variable (Owner occupier - Interest only.) | 6.69% | 6.64% | Loan to Value Ratio 71–80%; Total borrowing $150,000+ |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Investor - Principal & Interest.) | 6.29% | 6.58% | Total borrowing $150,000+; Loan to Value Ratio ≤50% |
| Variable (Investor - Principal & Interest.) | 6.29% | 6.58% | Total borrowing $150,000+; Loan to Value Ratio 51–60% |
| Variable (Investor - Principal & Interest.) | 6.29% | 6.58% | Total borrowing $150,000+; Loan to Value Ratio 61–70% |
| Variable (Investor - Principal & Interest.) | 6.29% | 6.58% | Total borrowing $150,000+; Loan to Value Ratio 71–80% |
| Variable (Investor - Principal & Interest.) | 6.59% | 6.87% | Loan to Value Ratio 81–90%; Total borrowing $150,000+ |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Investor - Interest only.) | 6.44% | 6.62% | Total borrowing $150,000+; Loan to Value Ratio ≤50% |
| Variable (Investor - Interest only.) | 6.44% | 6.62% | Total borrowing $150,000+; Loan to Value Ratio 51–60% |
| Variable (Investor - Interest only.) | 6.44% | 6.62% | Total borrowing $150,000+; Loan to Value Ratio 61–70% |
| Variable (Investor - Interest only.) | 6.44% | 6.62% | Loan to Value Ratio 71–80%; Total borrowing $150,000+ |
| Variable (Investor - Interest only.) | 6.79% | 6.94% | Loan to Value Ratio 81–90%; Total borrowing $150,000+ |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual fee — Charged yearly · With no monthly or transaction fees. | Ongoing | $299.00 |
| 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 | 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 |
| 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

- **Unlimited transactions** (Unlimited electronic transactions.)
- **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**
- **PayID** (No need for BSB and account number. Receive real time payments using your own unique ID.)
- **Real-time payments (NPP)**
- **Bill payment (BPAY)** — BPAY (Make payments the easy way.)
- **Notifications** — Transaction notification (Receive SMS notifications when your balance is above or below an amount, a withdrawal or deposit is made or when your salary is deposited.)
- **Everyday Round Up. Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Orange Advantage home loan.**
- **Extra repayments** (No fees for extra repayments.)
- **Redraw facility** (Our flexible redraw facility gives you access to your additional payments when you need them. There is no minimum redraw amount, no limit on how many redraw transactions you can make and no redraw fee.)
- **Offset account** (Reduce your interest payable on your home loan with a 100% offset facility when you make a deposit into your linked Orange Everyday bank account.)
- **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/orange-advantage.html)

## Data provenance

- Published by ING BANK (Australia) Ltd under the Consumer Data Right
- Product ID: `9b408eec-e2ff-4c65-a19f-d72fbaa181f9`
- Last updated by the provider: 17 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ing-bank-australia-ltd/9b408eec-e2ff-4c65-a19f-d72fbaa181f9
- 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/9b408eec-e2ff-4c65-a19f-d72fbaa181f9) — 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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