BSB: 923-100

Fixed Rate Home Loan

Fixed Rate Loan

Love a great rate and even greater service?

Apply now

Fixed Rate Home Loan

Fixed interest rate home loans for terms of one to five years.

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 a 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.

  • Use ATMs for free

    Withdraw funds from any ATM in Australia for free when you have both an Orange Everyday transaction account and any ING DIRECT home loan.

  • 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.

Call our Australia-based home loan specialists on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Apply for an ING DIRECT Fixed Rate Home Loan now.
Rates and fees

Interest rates

Take advantage of our competitive fixed rates.

Term
Interest rate
Comparison rate

1 year

2 year

3 year

4 year

5 year

Fees and charges

Pay no monthly or annual fees. A one-off application fee of $499 applies for fixed rate loans. The application fee will be waived for all new loans formally approved prior to 31 December 2014.

We will always waive the fixed rate application fee when you split your loan with our variable rate Orange Advantage home loan.

If you choose the fixed rate lock-in feature to lock in the rate a fee of $749 applies.

Call our Australia-based home loan specialists on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Apply for an ING DIRECT Fixed Rate Home Loan now.
Tools and calculators
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:

Call our Australia-based home loan specialists on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Apply for an ING DIRECT Fixed Rate Home Loan now.
How to get started

Simple steps to taking out a home loan

1. Find out how much you could borrow

In only two minutes you could have an obligation-free indication of your borrowing power.

Start now

2. Complete your application

You can call a home loan specialist, download an application form, or apply online.

3. Be supported through to settlement

Your dedicated home loan specialist will provide updates and support all the way through to settlement.

Call our Australia-based home loan specialists on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Apply for an ING DIRECT Fixed Rate Home Loan now.