• Loans from 25+ lenders
  • Enquire and compare online
  • A mortgage broker to assist you

Voted as Australia’s Most Recommended Bank, ING provides full banking services and is one of the major lenders after the Big 4 banks. Differentiating from others, they operate online only, which means they can pass on savings in the form of competitive rates and great loans.

Key Benefits

  • Competitive rates, even with low deposits
  • Able to bundle loans with other financial products
  • 24/7 customer service


  • No branch locations
  • Annual fees on some products
  • Need a good credit history for most products

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ING Home Loan Products Comparison


Home Loans Comparison Customer Ratings Five star rating

Don't look past eChoice for refinancing!

"From start to finish the customer service was 10/10. Fergus was with us every step of the way. Not only did we get a better interest rate on our new loan, but we had someone who understands our personal needs... The only issue we had was our former bank/loan being released. Apart from that there are no extra/hidden costs, and you get a great interest rate."

Published 06 May 2021 - Natalie

Great service!

"Very good service! My mortgage broker explained everything well and followed up quickly. I got a much better rate on my home loan and I would recommend eChoice for their services as a broker."

Published 11 May 2021 - Cass

Highly recommended!

"The service provided by eChoice was timely and spot-on every time. The broker initially assigned had moved on and so I was assigned to a new broker. The transition was seamless!"

Published 30 June 2021 - Vidhya


"Our re-financing had every hiccup you could possibly think of, but Robert did an amazing job, went above & beyond to keep everything going as smoothly & stress free as possible. We couldn't be happier. We would recommend Robert to anyone who was looking for a mortgage broker. Thanks for getting us over the line Robert."

Published 08 March 2021 - Fiona, VIC

Would absolutely recommend

"Thank you to Shriya for her excellent assistance with changing our home loan. She was extremely knowledgeable and informative. Very responsive and kept us informed every step of the way. Would absolutely recommend Shriya to friends and family."

Published 09 February 2021 - Chloe, NSW

ING Home Loan FAQs

How long does it take to be approved?

On average, a formal approval can be around 4-6 weeks from application submission to property settlement. This is depending on lender and assumes that documentation provided is all in order.

Are there any exit fees if I choose to end my current loan?

There may be fees involved when you end your current loan and there may also be application fees on your new home loan. However, depending on the new loan, the savings from monthly repayments and interest may outweigh those fees. It’s best to compare and consult a mortgage broker on your financial situation.

What does a mortgage broker do and is it free?

A mortgage broker is an intermediary between you and lenders to help arrange a home loan for you. They will suggest loan products/options based on your unique financial situation and can help you with paperwork to get an approval. A broker’s service is free as they are generally paid by the lender once a loan is settled. This means no costs are passed onto you when using them or an online platform such as HomeLoansComparison.com.au.

How much deposit do I need?

Generally, a minimum deposit of 5% of the property is needed. However, there are exceptions with each lender, and it can also vary depending on your unique financial situation. It is worth shopping around with a broker or an online comparison platform (like HomeLoansComparison.com.au) to compare and find out which loan will work for you.

What is LMI and how does it work?

Lenders Mortgage Insurance (LMI) is an insurance that is paid by you (as the home loan owner) but designed to protect the lender in case you default on your home loan. Not everyone pays for LMI, and it usually depends on the amount of loan you are taking vs. your property value.

Get Expert Home Loan Advice

Got a question about home loans or refinancing?

1300 302 914

Our home loan experts are here to help.


*Terms and conditions, fees and charges, and normal lending criteria apply. Interest rate is a 2 year fixed rate for owner occupied and 80% loan to value ratio. Read More

^Comparison rate based on a loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example or examples given and may not include all fees and charges. Different terms, fees and other loan amounts may result in a different comparison rate.

** Terms and conditions apply, cashback offers are provided directly by some lenders and may only be available for particular loan products. Cashback offers are not always available with advertised loan products. Ask us to learn more.