Beat rising interest rates: Get 3.98%p.a. (CR 4.66%p.a.) fixed for 3 years & $1500 cashback!

Get a great rate from Mozo’s People’s Choice Award winner 2015 & $1500 cashback* at Naritas


Isla Fisher-ING Direct

Isla Fisher, is the face of ING Direct’s latest campaign. Source:


  • ING Orange Advantage 3yr Fixed Rate Special 3.98%p.a.^ (CR 4.66%p.a.^^). (as at 19/04/16)
  • 1% cash back on monthly home loan repayments of up to $3,000 when you also have an Orange Everyday bank account and deposit your pay ($1,000+/month). Refer here for further details.
  • Can be combined with an Orange Advantage Variable with 100% offset account.
  • Up to $10,000 additional repayments can be made without penalty to the fixed proportion of the loan.
  • $1500 cashback (T&Cs apply). $1500 cashback* exclusively available at Naritas.
  • ING DIRECT Australia’s Most Recommended Bank. Source: Nielsen Consumer & Media View Jul ‘15 – Dec ‘15 (n=9,552) when compared with customers of 14 other banks operating in Australia.
  • ING DIRECT was voted the Best Bank by customers at the 2015 Mozo People’s Choice Awards.

Indicative fees & charges:

  • Documentation & settlement – $220
  • A valuation fee is payable. ING DIRECT will cover up to $215 of the valuation fee (GST inclusive) for the first valuation/property only.
  • Annual fee – $199 (waived in the first year).
  • Other fees may apply for services including, among others, title and company searches, bank cheques,and express post, which are at cost.
  • Government fees & charges may apply (for example mortgage registration costs).

How do I get this great offer from Naritas?

  • To make an enquiry online, click here.
  • Alternatively please feel free to phone us on 1300 558 887 during business hours.

*Naritas Finance Cashback Terms & Conditions:

  1. This offer is provided by Naritas Finance Pty Ltd ABN 74 096 341 061 of Level 1, 357 Military Road, Mosman, NSW, 2088 (“Naritas”).
  2. This offer commences 14 April 2016 and closes 19 May 2016 (“Offer Period”).
  3. This offer is open to Australian residents only.
  4. A payment under the Cashback Offer (“Cashback Payment”) will be paid for residentially secured owner occupied home loans settled during the Offer Period subject to conditions 5 to 15 below.
  5. A borrower must refinance or purchase using Naritas to arrange an ING Orange Advantage Home Loan and must not be an existing ING Home Loan customer. A borrower’s loan application in conjunction with this Cashback Offer will be subject to ING’s usual credit assessment and approval processes.
  6. The Cashback Payment is $1,500 where the total loan financed, either jointly or individually with ING is $350,000 or more.
  7. The initial loan application must be received during the Offer Period.
  8. The approved loan must be funded by 10 October 2016.
  9. A borrower is eligible for a Cashback Payment only once during the Offer Period. Once a loan application that is eligible for a Cashback Payment is received, no further loans which include that borrower, jointly or individually will be eligible for a Cashback Payment.
  10. Fees and charges apply to loans taken out under this Cashback Offer. Refer to the ING for Mortgage Loans Fees and Charges brochure (post-settlement charges are available here( or the Mortgage Loan Schedule for details.
  11. The Cashback Payment will be deposited to the loan account for the financed loan after the settlement date. The Cashback Payment will not be made to the borrower in “cash” (i.e. notes and/or coin) or cheque.
  12. A borrower cannot transfer or assign their right to the Cashback Payment to any other person.
  13. (Naritas accepts no responsibility for any tax implications that may arise from the Cashback Offer. The borrower should seek their own independent advice in this regard.
  14. This offer is not available in conjunction with any other promotional offer Naritas has available including our ‘refer-a-contact’ promotion.
  15. Participation in the Cashback Offer is deemed acceptance of these terms.

ING Important Information:

Information and interest rate is current as at 15 April 2016 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 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 19/05/2016. 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 available when linked to a variable loan with the 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 ING 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.