Plus $3,000 ING cashback per application (>$500k, <80%LVR), no limits on applications eg. $6,000 for 2 properties, $9,000 for 3 properties etc.
ING first time refinance cashback offer is unlimited and potentially highest on market for multiple properties.
ING has the best customer satisfaction/customer service amongst our clients and has been the 5th largest retail bank for household savings and retail mortgages in Australia for over 20 years.
ING Fixed rates under Orange Advantage Package. (+0.1% under "Basic" Mortgage Simplifier no annual fee)
1.84% (CPR 3.73%) owner fixed 2yrs
1.89% (CPR 3.56%) owner fixed 3yrs
2.34% (CPR 4.56%) investor P&I fixed 1-3yrs (same rate under "Basic" Mortgage Simplifier no annual fee)
2.54% (CPR 4.65%) investor interest only fixed 1-3yrs (same rate under "Basic" Mortgage Simplifier no annual fee)
ING variable rates "Basic" Mortgage Simplifier - no annual fee, no offset, free redraw. Rates below (<80lvr)
2.45% (CPR 2.48%) owner occupied P&I (>$1m)
2.49% (CPR 2.52%) owner occupied P&I (>$150k)
2.64% (CPR 2.67%) investor P&I
3.04% (CPR 2.67%) investor interest only
ING variable rates "Package" Orange Advantage 100% offset $299 annual fee
2.49% (CPR 2.85%) owner occupied P&I (>$1m)
2.54% (CPR 2.89%) owner occupied P&I (>$150k)
2.69% (CPR 3.03%) investor P&I
3.09% (CPR 3.42%) investor interest only
All fixed loans can be split with variable 100% offset if you add Orange Advantage package annual fee $299, including offset account, redraw, credit card.
ING one off legal fee $299
Always worth doing a calculation for your situation, eg:
If you have an existing loan and your rate is 2.34%, fixing at 1.84% will save you 0.5% each year.
On a $500k loan, that is a saving of $2500 every year.
If you're saving 0.5% and go with a lender giving rebates eg $3000, plus our Bundle Rebate worth $1,500, that's a benefit of $7,000!
Other Lenders with up to $4k PURCHASE or refinance bank rebate, rates from
1.89% for 2 years fixed for home loans (Comp 2.75%)
2.09% for 3 years fixed for home loans (Comp 2.72%)
2.19% for basic variable rate (Comp 2.21%)
2.49% for variable with offset (Comp 2.89%)
Up to 0.4% ie $4,000 value Bundle Rebate (via broker only)
In ADDITION to bank rebates, Bundle Home Loans gives a rebate of 0.3%-0.4% of loan size (net at drawdown) for ANY bank or product,
We have some of the lowest rates, and can get pricing discounts up to 2.2%. Our policy is to beat any competitor/broker/lending manager with our rates and rebates
Bundle Property Home Loans
T: (02) 9698 7186
E: [email protected]