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Fixed Rate Home Loan

  1. Home
  2. Home Loans
  3. Fixed rate home loan

Fixed Rate Home Loan

do your thing

do your thing

Why apply for a Fixed Rate Home Loan?

  • Rate and repayment certainty for up to 5 years
  • Additional repayments of up to $10K per fixed year
  • No account-keeping fees
  • Get started
Features

Why apply for a Fixed Rate Home Loan?

  • Repayment certainty

    Know exactly what your repayments will be, and you can fix your rate for up to five years.

  • Fixed interest rate discount

    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.

  • Pay no ongoing fees

    There are no monthly, annual or transaction fees, and it's free to make additional repayments (less than $10,000 per settlement anniversary).

  • Interest rate discounts

    Interest rate discounts may be available when your loan reverts to our variable rate Mortgage Simplifier home loan.

  • Save on the everyday

    Just add Orange Everyday to your home loan, and you could save on fees with 1% cashback on eligible utility bills (T&Cs apply) and $0 ING international transaction fees when you shop online and overseas.

  • Fixed rate lock in

    You can protect yourself from the possibility of rising interest rates by locking in the advertised rate for up to 90 days prior to settlement. A one-off fee applies.

  • Tools and dedicated support when needed

    Online tools and home loan specialists that can help you every step of the way.

Important information
Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start now
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Get started
Rates and fees

Take advantage of our competitive fixed rates

What is Loan-to-Value Ratio (LVR)?

The ratio of the value of a property to the relevant loan amount, as a percentage.

Used by lenders when determining how much you can borrow, and whether lenders mortgage insurance is needed. LVR is calculated by dividing the loan amount by the value of the property. So if you borrow $800,000 for a home valued at $1,000,000, the LVR would be 80%.

What is Lenders Mortgage Insurance (LMI)?

It is designed to protect the lender (not the borrower) incase the borrower can't repay off their loan. It's normally required when a loan amount is more than 80% of the property's valuation.

Owner Occupiers
LVR Tier (including any LMI applicable)
Interest rate
Comparison rate
Principal & Interest - LVR is 70% or less - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Principal & Interest - LVR is 70.01% to 80% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Principal & Interest - LVR is 80.01% to 90% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Principal & Interest - LVR is 90.01% to 95% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Interest only - LVR is 70% or less - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Interest only - LVR is 70.01% to 80% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

These fixed rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate is based on a loan amount of $150,000 over a loan term of 25 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.
Total borrowings: Includes the total amount borrowed per application.

Compare all our home loans
Owner Occupiers with Orange Advantage
LVR Tier (including any LMI applicable)
Interest rate
Comparison rate
Principal & Interest - LVR is 70% or less - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Principal & Interest - LVR is 70.01% to 80% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Principal & Interest - LVR is 80.01% to 90% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Principal & Interest - LVR is 90.01% to 95% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Interest only - LVR is 70% or less - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Interest only - LVR is 70.01% to 80% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

These fixed rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate is based on a loan amount of $150,000 over a loan term of 25 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.
Total borrowings: Includes the total amount borrowed per application.

Compare all our home loans
Investors
LVR Tier (including any LMI applicable)
Interest rate
Comparison rate
Principal & Interest - LVR is 70% or less - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Principal & Interest - LVR is 70.01% to 80% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Principal & Interest - LVR is 80.01% to 90% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Interest only - LVR is 70% or less - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Interest only - LVR is 70.01% to 80% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

Interest only - LVR is 80.01% to 90% - Min total borrowings $150,000

1 year

2 year

3 year

4 year

5 year

These fixed rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate is based on a loan amount of $150,000 over a loan term of 25 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.
Total borrowings: Includes the total amount borrowed per application.

Compare all our home loans
Fees and charges

Pre-settlement fees and charges

Post-settlement fees and charges
Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start now
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Get started
How to get started

Applying for a home loan?

1. Starting out

It only takes 10 minutes to get started online, or you can call 1800 100 258 to speak with a home loan specialist.

2. Staying informed

As your application progresses, we keep you updated via online tracking, SMS and email.

3. Getting a hand

For questions and help, our home loan specialists are here for you from application to settlement.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start now
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Get started
Tools and calculators

Fixed rate home loan calculators and guides

In planning mode? Use these tools and calculators to help you.

Tips, hints and guides

Forms

Calculators

Tips, hints and guides

First home buyers guide

Which ING home loan is for me?

Request Financial Support

Home loan terms and conditions

Increasing your loan

What's the right home loan for me?

Compare types of mortgages

Deposit and upfront costs for your home loan

Tips for buying at auction

 View all

Forms

Change of personal details

Loan Account Instructions Form (Personal)

Property buyer checklist

 View all

Calculators

Borrowing power calculator

Home loan repayment

Extra repayment

Property buying cost

Stamp duty

Offset calculator

 View all
Why set up house with ING

Why should I get a home loan with ING?

Australia's most recommended bank

Proudly and continuously ranked as Australia's most recommended bank.

Save on the everyday

Just add Orange Everyday to your home loan, and you could save on fees with 1% cashback on eligible utility bills (T&Cs apply) and $0 ING international transaction fees when you shop online and overseas.

ING Everyday Round Upfor home loans

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 Mortgage Simplifier or Orange Advantage home loan.

Home & Contents insurance

Breathe easier and save 30% on your first year’s premium when you purchase a combined Home and Contents Insurance policy online. T&Cs apply - see disclaimer.

FAQs

Got a question about our Fixed Rate Home Loan?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all home loans FAQs.
Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start now
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Get started