Information and interest rate is current as at 1 September 2015 and is 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. Interest rate discounts for LVR 90% or less are available only for new owner occupier borrowings and new to ING DIRECT security property. Special Offer applications must be received prior to 18/12/2015. All features are not available for every type of loan. An annual fee of $199 applies (first year annual fee of $199 is waived). 100% interest offset when linked to our Orange Everyday transaction account. WARNING: If you select a fixed rate loan, break costs may be payable if at anytime before the fixed term expires, you pay out your loan or you make additional payments of $10,000 or more in an anniversary year, or you ask us to change your loan type or fixed interest period. Break costs may be substantial. 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 Orange Everyday Fees and Limits Schedule. To view these documents you may need Adobe Acrobat. Products are issued by ING DIRECT. Mortgage Reward Offer for Orange Advantage Home Loan and Orange Everyday customers: The Mortgage Reward offer is available for Orange Advantage and Orange Everyday customers (including joint accounts). The Mortgage Reward offer will apply for the next calendar month when a deposit of at least $1,000 is made to any personal ING DIRECT account in your name (excluding Living Super) by the last day of the preceding calendar month. The Mortgage Reward offer applies to residential home loans. To be eligible for the Mortgage Reward offer, loan accounts must not be in arrears. The Mortgage Reward offer may be changed or withdrawn at any time at ING DIRECT’s sole discretion.