How to apply for a home loan.
We're ready to help

Buying a home is a big deal. No matter whether it's your first or your fourth, our home loan specialists are here to help. To make your application smoother, you'll find tools and information you need here - from our borrowing power calculator and our first home buyer guide, to helpful articles on documentation, questions to ask real estate agents, and much more.

How to get help

How a home loan specialist can help you

Ready to apply? We're here to help make it as straightforward as possible. In under 10 minutes you can start your application online. Once you've completed the basics, one of our home loan specialists will call to complete your application with you over the phone. Our specialists will then stay by your side all the way to settlement, keeping you up to date on your application's progress by SMS and email, or you can track it online.

To chat with one of our home loan specialists about applying, or for answers to any of your questions, simply call 1800 100 258, 8am - 8pm from Mon to Fri and 9am - 5pm on Sat.

Or call 1800 100 258 to speak to an ING home loan specialist

Tools and guides

Getting onto it with these tools and guides

Find the answers here to the common questions and learn the things you need to know.

Your borrowing power

In just a couple of minutes you can get an estimate of how much you could borrow, so you have a price range for your house hunting.

How it actually works

With the free ING first home buyer guide, you get all the basics and not-so-basics about home loans and home buying. It's your step-by-step approach to the big prize.

Australia's most recommended bank

Australia's most recommended bank is here to help

When it's time to look for a home loan you like, here's how to get moving with ING.

1. Starting out

Check out our great home loan rates and products. Then apply online, or call 1800 100 258 to speak with a home loan specialist.

2. Staying informed

As your application progresses we keep you updated via online tracking, SMS and email.

3. A helping hand

If you have any questions along the way, we are here for you from application to settlement.

4. Pre-approval

Once you complete a pre-approval, you can start your property search and be ready for auction day, with a clear idea of how much you can borrow.

Ready to apply or want pre-approval?

Helpful articles to boost your understanding

Important Information

The ING 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's credit approval criteria.

An application for credit is further subject to satisfying:

Information and interest rates are current as at the date of publication and are subject to change. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available at ing.com.au or by calling 133 464.

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 any of our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule available under our Documents & Forms page. To view these documents you may need Adobe Acrobat. Products are issued by ING.

ING recommends you seek independent financial or taxation advice where appropriate.

ING is Australia’s most recommended bank according to RFI Global’s XPRT Survey, August 2023 - January 2024 (n = 31,846) when compared to customers of 20 other banks operating in Australia. It is also Australia’s fifth largest main financial institution (MFI) with 6% of market share according to RFI Global’s XPRT Survey, August 2023 - January 2024 (n = 31,846). MFI is defined as the bank that the consumer says is their main financial institution.

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