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# The ING DIRECT Borrowing Power Indication is not an offer of credit. If you wish to apply for a loan please call us on 1800 100 258. Any application for credit is subject to ING DIRECT’s credit approval criteria.
An application for credit is further subject to satisfying:
- – A satisfactory valuation of the security property being offered.
- – Legible copy of the Contract of Sale.
- – Receipt and validation of all necessary documentation to certify assets, deposit and security.
- – Confirmation of personal and financial details.
- – Satisfactory credit reference report.
Information and interest rates are current as at and are subject to change. All applications for credit are subject to ING DIRECT’s credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available at ingdirect.com.au or by calling 133 464. All features are not available for every type of loan. Interest rate discounts for LVR 90% or less are available only for new owner occupier borrowings and new to ING DIRECT security property. Interest rate discounts may be withdrawn for new customers at any time. WARNING: If you select a fixed rate loan, break costs may be payable if at anytime before the fixed interest period expires, you pay out your loan or you make additional payments of $10,000 or more in any year of the fixed interest period, or you ask us to change your loan type or fixed interest period. Break costs may be substantial. With an Orange Advantage home loan, an annual fee of $199 applies ; and 100% interest offset when linked to our Orange Everyday transaction account and you make a deposit into this account. The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our home loan products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule. To view these documents you may need Adobe Acrobat. Products are issued by ING DIRECT.
ING DIRECT is “Australia’s Most Recommended Bank” according to Nielsen Consumer & Media View Jul ‘16 – Dec ‘16 (n=9,570) when compared by customers of 15 other banks operating in Australia.
Testimonials appearing on this site were obtained from customers as part of the ‘Tell Isla’ campaign from https://www.campaigns.ingdirect.com.au/isla/ (no longer accessible) in May-June 2015. They are individual experiences of customers that have used our products and/or services. We do not guarantee that they are typical results that consumers will generally achieve. Testimonials are not necessarily representative of all those who will use our products and/or services.
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ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.
For information about the Australian Government Deposit Guarantee, click here. ING DIRECT Living Super (which is part of the ING DIRECT Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153.