ING home loan rates
Ranked by advertised rate, ING's lowest advertised rate we track is 6.29% advertised (6.32% comparison) on the Mortgage Simplifier - 16th of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.29% advertised (6.32% comparison) on the Mortgage Simplifier; its lowest fixed home loan rate we track is 6.59% advertised (6.38% comparison) on the Fixed Rate Home Loan. Rates as at 28 Oct 2026.
We track 6 ING owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.29% on the Mortgage Simplifier - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,710 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.
ING since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
ING has changed 2 variable rates in its published data since:
- Mortgage Simplifier - variable, $0 ongoing fee, 100% offset with Orange Everyday, <=70% LVR6.04% → 6.29%(+25 bp)matches the cash rate move
- Orange Advantage - variable, package loan with offset, <=80% LVR6.19% → 6.44%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
ING products (6)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Mortgage SimplifierING | Variable | 6.29% | 6.32% | 70% | link |
Orange AdvantageING | Variable | 6.44% | 6.73% | 80% | link |
Fixed Rate Home LoanING | Fixed 2yr | 6.59% | 6.38% | 70% | link |
Fixed Rate Home LoanING | Fixed 1yr | 6.64% | 6.35% | 70% | link |
Fixed Rate Home LoanING | Fixed 3yr | 6.74% | 6.45% | 70% | link |
Fixed Rate Home LoanING | Fixed 5yr | 6.84% | 6.56% | 70% | link |
ING recent rate changes
6 of ING's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Mortgage Simplifier - variable, $0 ongoing fee, 100% offset with Orange Everyday, <=70% LVR6.04% → 6.29%(+25 bp)previous value last seen 8 Oct 2026
- Orange Advantage - variable, package loan with offset, <=80% LVR6.19% → 6.44%(+25 bp)previous value last seen 8 Oct 2026
- Fixed Rate Home Loan, 1-year term6.44% → 6.64%(+20 bp)previous value last seen 28 Sept 2026
- Fixed Rate Home Loan, 2-year term6.39% → 6.59%(+20 bp)previous value last seen 28 Sept 2026
- Fixed Rate Home Loan, 3-year term6.59% → 6.74%(+15 bp)previous value last seen 28 Sept 2026
- Fixed Rate Home Loan, 5-year term6.69% → 6.84%(+15 bp)previous value last seen 28 Sept 2026
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