RBA Cash Rate: 4.35% · 1AUD = 0.67 USD · Inflation: 4.1%  
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Home Loan Variable: 5.38% (6.14%*) • Home Loan Fixed: 5.44% (6.26%*) • Fixed: 5.44% (6.26%*) • Variable: 5.38% (6.14%*) • Investment IO: 5.84% (7.27%*) • Investment PI: 5.84% (6.19%*)

  Fixed Rate Loan

Fixed interest rate home loans for terms of one to five years.
Category: Home Loans  Last Updated September 4, 2024  Effective May 21, 2000

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information 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.
Interest Rate
5.69% PA
Comparison Rate
6.04%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.63%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.58%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.55%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.69%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.61%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.55%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.30%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.17%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.14%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.29%, Comparison Rate 6.32%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.27%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.23%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.23%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  • Lending Rate Type: Fixed
  • Interest Rate: 6.04%, Comparison Rate 6.21%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.16%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.07%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.06%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.99%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.09%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.69%, Comparison Rate 6.04%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.74%, Comparison Rate 6.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.35%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.29%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.89%, Comparison Rate 6.24%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.22%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.94%, Comparison Rate 6.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.34%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.27%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.79%, Comparison Rate 6.21%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.19%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 5.84%, Comparison Rate 6.15%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.49%, Comparison Rate 6.20%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 6.18%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.20%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.24%, Comparison Rate 6.21%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.39%, Comparison Rate 6.19%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.09%, Comparison Rate 6.15%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  • Lending Rate Type: Fixed
  • Interest Rate: 6.14%, Comparison Rate 6.17%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 Product Features

  • Complementary Product Discounts Additional Information: Breathe easier and save 30% on new policies when you combine home with contents insurance online.
  • Digital Banking
  • Notifications Additional Information: Receive SMS notifications when your balance is above or below an amount, a deposit is made or when your salary is deposited.
  • Other Additional Information: It's free to make additional repayments (less than $10,000 per settlement anniversary).

 Product Eligibility

  • Min Age - 18. Additional Information: You must be aged 18 or over.
  • Residency Status - Au. Additional Information: Available to Australian citizen or Australian permanent resident.
  • Residency Status - Nz. Additional Information: Available to New Zealand citizens living in Australia.
  • Other Additional Information: Have and maintain an Australian residential address.

 Bank Fees and Charges

  • Annual Fee (Periodic), Amount: 0.00. Additional Information: There are no monthly, annual or transaction fees.
  • Settlement Fee (Upfront), Amount: 350.00. Additional Information: For each loan application and is charged at settlement.
  • Change To Letter Of Offer (Event), Amount: 250.00. Additional Information: This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement.
  • Additional Statements (Event), Amount: 7.00. Additional Information: $7 for each statement period.
  • Increase/decrease To Loan Amount (Event), Amount: 300.00.
  • Product Switch (Event), Amount: 300.00. Additional Information: 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.
  • Substitution Of Security (Event), Amount: 300.00.
  • Discharge Full And Partial (Event), Amount: 250.00.
  • Consent To Subdivision/2nd Mortgage (Event), Amount: 300.00.
  • Removal Or Change To Borrowers Or Guarantors (Event), Amount: 300.00.
  • Dishonoured Cheque (Event), Amount: 9.00.
  • Direct Debit Rejected (Event), Amount: 9.00. Additional Information: $9 for each direct debit rejected.
  • Arrears Default Letter (Event), Amount: 40.00. Additional Information: $40 for each letter.
  • Fixed Rate Lock In (Event), Amount: 749.00. Additional Information: Charged to lock in your fixed rate prior to settlement and is charged per fixed rate loan account.
  • Valuation Fee (Variable), Amount: Not Listed.. Additional Information: A valuation fee is payable. ING will cover up to $225 of the valuation fee (GST inclusive) for the first valuation/property only.
  • Late Payment Fee (Event), Amount: 30.00. Additional Information: $30 when you do not pay any amount owing within 5 days of its due date

 Limitations & Restrictions (Constraints)

  • Min Limit of 50000.00
  • Max Limit of 3000000.00