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ING · Home loans
Fixed Rate Loan
ING's Fixed Rate Loan is a home loan. The figures are the ones ING publishes under the Consumer Data Right today. The advertised rate last moved on 29 September 2026, up from 6.39% to 6.59%.
Advertised rate
6.59%
headline tier
Comparison rate
6.38%
as published
Last moved
+0.20pp
29 September 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (60)
| Tier | Rate | Comparison |
|---|---|---|
| Fixed 2 years, Owner occupier, P&I, LVR up to 70%Loan to Value Ratio | 6.59% to 6.69% | 6.38% |
| Fixed 2 years, Owner occupier, P&I, LVR 71 to 80%Loan to Value Ratio | 6.59% to 6.69% | 6.42% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 70%Loan to Value Ratio | 6.64% to 6.74% | 6.35% |
| Fixed 1 year, Owner occupier, P&I, LVR 71 to 80%Loan to Value Ratio | 6.64% to 6.74% | 6.40% |
| Fixed 2 years, Owner occupier, P&I, LVR 81 to 90%Loan to Value Ratio | 6.74% to 6.84% | 6.57% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 70%Loan to Value Ratio | 6.74% to 6.84% | 6.45% |
| Fixed 3 years, Owner occupier, P&I, LVR 71 to 80%Loan to Value Ratio | 6.74% to 6.84% | 6.48% |
| Fixed 1 year, Investor, P&I, LVR up to 70%Loan to Value Ratio | 6.79% | 6.46% |
| Fixed 1 year, Investor, P&I, LVR 71 to 80%Loan to Value Ratio | 6.79% | 6.51% |
| Fixed 1 year, Owner occupier, P&I, LVR 81 to 90%Loan to Value Ratio | 6.79% to 6.89% | 6.55% |
| Fixed 2 years, Investor, P&I, LVR up to 70%Loan to Value Ratio | 6.79% | 6.50% |
| Fixed 2 years, Investor, Interest only, LVR up to 70%Loan to Value Ratio | 6.79% | 6.50% |
| Fixed 2 years, Investor, Interest only, LVR 71 to 80%Loan to Value Ratio | 6.79% | 6.54% |
| Fixed 2 years, Investor, P&I, LVR 71 to 80%Loan to Value Ratio | 6.79% | 6.54% |
| Fixed 1 year, Investor, Interest only, LVR up to 70%Loan to Value Ratio | 6.84% | 6.46% |
| Fixed 1 year, Investor, Interest only, LVR 71 to 80%Loan to Value Ratio | 6.84% | 6.51% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 70%Loan to Value Ratio | 6.84% to 6.94% | 6.43% |
| Fixed 2 years, Owner occupier, Interest only, LVR 71 to 80%Loan to Value Ratio | 6.84% to 6.94% | 6.47% |
| Fixed 2 years, Owner occupier, P&I, LVR 91 to 95%Loan to Value Ratio | 6.84% to 6.94% | 6.95% |
| Fixed 3 years, Investor, P&I, LVR up to 70%Loan to Value Ratio | 6.84% | 6.55% |
| Fixed 3 years, Investor, P&I, LVR 71 to 80%Loan to Value Ratio | 6.84% | 6.58% |
| Fixed 3 years, Owner occupier, P&I, LVR 81 to 90%Loan to Value Ratio | 6.84% to 6.94% | 6.62% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 70%Loan to Value Ratio | 6.84% to 6.94% | 6.52% |
| Fixed 4 years, Owner occupier, P&I, LVR 71 to 80%Loan to Value Ratio | 6.84% to 6.94% | 6.55% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 70%Loan to Value Ratio | 6.84% to 6.94% | 6.56% |
| Fixed 5 years, Owner occupier, P&I, LVR 71 to 80%Loan to Value Ratio | 6.84% to 6.94% | 6.59% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 70%Loan to Value Ratio | 6.89% to 6.99% | 6.38% |
| Fixed 1 year, Owner occupier, Interest only, LVR 71 to 80%Loan to Value Ratio | 6.89% to 6.99% | 6.42% |
| Fixed 1 year, Investor, P&I, LVR 81 to 90%Loan to Value Ratio | 6.89% | 6.78% |
| Fixed 1 year, Owner occupier, P&I, LVR 91 to 95%Loan to Value Ratio | 6.89% to 6.99% | 6.96% |
| Fixed 2 years, Investor, P&I, LVR 81 to 90%Loan to Value Ratio | 6.89% | 6.80% |
| Fixed 2 years, Investor, Interest only, LVR 81 to 90%Loan to Value Ratio | 6.89% | 6.80% |
| Fixed 1 year, Investor, Interest only, LVR 81 to 90%Loan to Value Ratio | 6.94% | 6.79% |
| Fixed 3 years, Investor, Interest only, LVR up to 70%Loan to Value Ratio | 6.94% | 6.57% |
| Fixed 3 years, Investor, Interest only, LVR 71 to 80%Loan to Value Ratio | 6.94% | 6.61% |
| Fixed 3 years, Investor, P&I, LVR 81 to 90%Loan to Value Ratio | 6.94% | 6.83% |
| Fixed 3 years, Owner occupier, P&I, LVR 91 to 95%Loan to Value Ratio | 6.94% to 7.04% | 6.97% |
| Fixed 4 years, Owner occupier, P&I, LVR 81 to 90%Loan to Value Ratio | 6.94% to 7.04% | 6.69% |
| Fixed 5 years, Owner occupier, P&I, LVR 81 to 90%Loan to Value Ratio | 6.94% to 7.04% | 6.72% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 70%Loan to Value Ratio | 6.99% to 7.09% | 6.51% |
| Fixed 3 years, Owner occupier, Interest only, LVR 71 to 80%Loan to Value Ratio | 6.99% to 7.09% | 6.55% |
| Fixed 4 years, Investor, P&I, LVR up to 70%Loan to Value Ratio | 6.99% | 6.64% |
| Fixed 4 years, Investor, P&I, LVR 71 to 80%Loan to Value Ratio | 6.99% | 6.67% |
| Fixed 5 years, Investor, P&I, LVR up to 70%Loan to Value Ratio | 6.99% | 6.69% |
| Fixed 5 years, Investor, P&I, LVR 71 to 80%Loan to Value Ratio | 6.99% | 6.71% |
| Fixed 3 years, Investor, Interest only, LVR 81 to 90%Loan to Value Ratio | 7.04% | 6.85% |
| Fixed 4 years, Owner occupier, P&I, LVR 91 to 95%Loan to Value Ratio | 7.04% to 7.14% | 7.01% |
| Fixed 5 years, Owner occupier, P&I, LVR 91 to 95%Loan to Value Ratio | 7.04% to 7.14% | 7.01% |
| Fixed 4 years, Investor, P&I, LVR 81 to 90%Loan to Value Ratio | 7.09% | 6.90% |
| Fixed 5 years, Investor, P&I, LVR 81 to 90%Loan to Value Ratio | 7.09% | 6.93% |
| Fixed 4 years, Investor, Interest only, LVR up to 70%Loan to Value Ratio | 7.14% | 6.69% |
| Fixed 4 years, Investor, Interest only, LVR 71 to 80%Loan to Value Ratio | 7.14% | 6.72% |
| Fixed 5 years, Investor, Interest only, LVR up to 70%Loan to Value Ratio | 7.14% | 6.74% |
| Fixed 5 years, Investor, Interest only, LVR 71 to 80%Loan to Value Ratio | 7.14% | 6.77% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 70%Loan to Value Ratio | 7.19% to 7.29% | 6.64% |
| Fixed 4 years, Owner occupier, Interest only, LVR 71 to 80%Loan to Value Ratio | 7.19% to 7.29% | 6.67% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 70%Loan to Value Ratio | 7.19% to 7.29% | 6.71% |
| Fixed 5 years, Owner occupier, Interest only, LVR 71 to 80%Loan to Value Ratio | 7.19% to 7.29% | 6.73% |
| Fixed 4 years, Investor, Interest only, LVR 81 to 90%Loan to Value Ratio | 7.24% | 6.95% |
| Fixed 5 years, Investor, Interest only, LVR 81 to 90%Loan to Value Ratio | 7.24% | 6.99% |
Rate moves, last 30 days
Published fees
| Fee | Amount |
|---|---|
| Annual feerecurring: There are no monthly, annual or transaction fees. | $0 |
| Settlement feeupfront: For each loan application and is charged at settlement. | $350 |
| Change to letter of offerwhen it happens: This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement. | $250 |
| Additional statementswhen it happens: $7 for each statement period. | $7 |
| Increase/decrease to loan amountwhen it happens | $300 |
| Product switchwhen it happens: Automatically switches to a variable Mortgage Simplifier at the end of the fixed term free of charge. | $300 |
| Substitution of securitywhen it happens | $300 |
| Discharge Full and Partialwhen it happens | $250 |
| Consent to Subdivision/2nd mortgagewhen it happens | $300 |
| Removal or change to borrowers or guarantorswhen it happens | $300 |
| Dishonoured chequedishonour | $9 |
| Direct debit rejectedwhen it happens: $9 for each direct debit rejected. | $9 |
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