Lender guide · ING home loans · Sydney
ING Home Loans via a Sydney Broker
Looking at ING for your home loan? I put ING applications together for Sydney buyers, refinancers and investors, and I weigh ING against other lenders before you commit. ING is strong for straightforward salaried borrowers who want a simple loan with an offset. It's strict on overseas income and Family Tax Benefit, and on high-LVR loans for borrowers with a lot of debt.
Who ING tends to suit
ING's policy is simple, and that cuts both ways. Here's where I see it fit with my Sydney clients.
Salaried borrowers with clean, simple income. If you're a full-time or part-time employee and your payslips and tax record line up, in my experience ING is easy to work with. If your income is more complicated, another lender may suit you better. Check your borrowing power →
Savers who want an offset. ING's Orange Advantage is a variable loan with a 100% offset, linked to an Orange Everyday account. Every dollar sitting in the offset cuts the interest on the loan. It also allows unlimited extra repayments. Offset vs redraw →
Refinancers who want a cleaner loan. If your current lender has piled on features you don't use, a simple ING loan can be a tidy reset. It depends on your rate, fees and equity, so I run the numbers first. Refinancing → · When to refinance →
Investors putting down a solid deposit. ING lends to investors, but its debt limit tightens as your deposit shrinks, so a healthy deposit makes it easier. Investment loans →
Where ING is strict
Income ING won't count. ING generally doesn't count income earned overseas, or Family Tax Benefit. If part of your household income comes from either, ING may not be the lender.
Borrowing above 80% of the value. ING does lend above 80% with Lenders Mortgage Insurance (LMI), but its debt-to-income limit gets tighter at that level. How borrowing power is worked out →
First home buyers wanting the government scheme. ING isn't on the participating lender list for the Australian Government 5% Deposit Scheme, so if you want that scheme you'll need a different lender. First home buyer help →
How using a broker works with ING
ING doesn't employ me. I run your situation past my other lenders first, then build the application, answer ING's questions, follow up the valuation and see it through to settlement.
If ING looks like the right fit, I can send a pricing request to try for a sharper rate than the advertised one. Rates change often, so I don't list them here. Ask me for today's pricing.
What it costs you
Nothing directly. The lender pays me: an upfront commission when your loan settles and a smaller trail commission while it's active, and I'll tell you how I'm paid on your loan. ING's own fees, government charges and any LMI still apply, and you'll see them before you sign.
Work out your numbers first: Borrowing power calculator → · Repayment calculator →
ING home loan questions
Should I just use the ING app and apply direct?
You can, and ING sets its own pricing either way. What a broker adds is a comparison with other lenders, a pricing request to ING and someone to chase the application. If ING isn't a good fit for your income, you'll hear it from me before you apply.
Can I use ING if someone in my household earns overseas income?
Probably not for that income. ING generally doesn't count income earned overseas. You may still qualify on your Australian income alone, or another lender may count the overseas income. I'll check both before you apply.
How long does ING take to approve a home loan?
Plan on a few business days for a first assessment, and longer if a valuation is needed. When I checked on 12 November 2026, ING's broker site listed about 2 business days for a purchase or refinance, for complete applications and not counting valuation wait times. The tracker I use showed 2 days for the first assessment, 3 for a broker-ordered valuation, 3 for the final assessment and up to 7 to reach conditional approval. Missing documents add time.
This is general information only, not personal financial advice. Lender policy changes from time to time, so check with me before relying on any of it. Bridge Finance is a mortgage broker and is not affiliated with or endorsed by ING. Lender names are trademarks of their owners.
Not sure ING is the right lender? Let's check.
Book a free 30-minute chat. I'll look at your income, deposit and plans, see how ING's policy treats them, and compare ING with other lenders. No cost, no obligation.
Serving Sydney: Burwood · Strathfield · Parramatta · Chatswood · Epping · Macquarie Park · Meadowbank · North Ryde · Rhodes · Ryde
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217 Burwood Road, Burwood NSW 2134, Australia
