Includes a 100% interest offset when linked to our Orange Everyday bank account.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.69% | 6.87% | Variable · investment · interest only · LVR 1%–50% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.69% | 6.87% | Variable · investment · interest only · LVR 51%–60% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.69% | 6.87% | Variable · investment · interest only · LVR 61%–70% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.69% | 6.87% | Variable · investment · interest only · LVR 71%–80% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 7.09% | Variable · investment · interest only · LVR 81%–90% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.54% | 6.82% | Variable · investment · principal and interest · LVR 1%–50% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.54% | 6.82% | Variable · investment · principal and interest · LVR 51%–60% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.54% | 6.82% | Variable · investment · principal and interest · LVR 61%–70% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.54% | 6.82% | Variable · investment · principal and interest · LVR 71%–80% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.74% | 7.02% | Variable · investment · principal and interest · LVR 81%–90% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 6.92% | Variable · owner occupied · interest only · LVR 1%–50% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 6.92% | Variable · owner occupied · interest only · LVR 51%–60% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 6.92% | Variable · owner occupied · interest only · LVR 61%–70% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.94% | 6.92% | Variable · owner occupied · interest only · LVR 71%–80% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.44% | 6.73% | Variable · owner occupied · principal and interest · LVR 1%–50% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.44% | 6.73% | Variable · owner occupied · principal and interest · LVR 51%–60% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.44% | 6.73% | Variable · owner occupied · principal and interest · LVR 61%–70% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.44% | 6.73% | Variable · owner occupied · principal and interest · LVR 71%–80% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.54% | 6.82% | Variable · owner occupied · principal and interest · LVR 81%–90% · $150,000 or more | CDR | 1 Nov 2026 | |
| 6.89% | 7.17% | Variable · owner occupied · principal and interest · LVR 91%–95% · $150,000 or more | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://id.ob.ing.com.au/cds-au/v1/banking/products/9b408eec-e2ff-4c65-a19f-d72fbaa181f9- Content hash
sha256 151cbbcbcd6a195b67a1aa8d395d5d6dcc2ca4bb03701ec0cc7ca1e518ed5405- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_151cbbcbcd6a195b_2e8f80a5Show details
- Checked
- 1 Nov 2026
- URL
https://id.ob.ing.com.au/cds-au/v1/banking/products/9b408eec-e2ff-4c65-a19f-d72fbaa181f9- Content hash
sha256 151cbbcbcd6a195b67a1aa8d395d5d6dcc2ca4bb03701ec0cc7ca1e518ed5405- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual fee | Periodic | $299.00 |
| Settlement fee | Upfront | $350.00 |
| Change to letter of offer | Event | $250.00 |
| Additional statements | Event | $7.00 |
| Increase/decrease to loan amount | Event | $300.00 |
| Product switch | Event | $300.00 |
| Substitution of security | Event | $300.00 |
| Discharge Full and Partial | Event | $250.00 |
| Consent to Subdivision/2nd mortgage | Event | $300.00 |
| Removal or change to borrowers or guarantors | Event | $300.00 |
| Dishonoured cheque | Dishonour | $9.00 |
| Direct debit rejected | Event | $9.00 |
| Arrears Default Letter | Event | $40.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Late payment fee | Late payment | $30.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Unlimited txns | Unlimited electronic transactions. | |
| Complementary product discounts | Discounts on your Home & Contents insurance | Breathe easier and save 30% on new policies when you combine home with contents insurance online. |
| Digital banking | ||
| Npp payid | No need for BSB and account number. Receive real time payments using your own unique ID. | |
| Npp enabled | ||
| Bill payment | BPAY | Make payments the easy way. |
| Notifications | Transaction notification | Receive SMS notifications when your balance is above or below an amount, a withdrawal or deposit is made or when your salary is deposited. |
| Other | Everyday Round Up. Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Orange Advantage home loan. | |
| Extra repayments | No fees for extra repayments. | |
| Redraw | Our flexible redraw facility gives you access to your additional payments when you need them. There is no minimum redraw amount, no limit on how many redraw transactions you can make and no redraw fee. | |
| Offset | Reduce your interest payable on your home loan with a 100% offset facility when you make a deposit into your linked Orange Everyday bank account. | |
| Other | Split Loan | |
| Eligibility: min age | 18 | You must be aged 18 or over. |
| Eligibility: residency status | AU | Available to Australian citizen or Australian permanent resident. |
| Eligibility: residency status | NZ | Available to New Zealand citizens living in Australia. |
| Eligibility: other | Have and maintain an Australian residential address. | |
| Limit: min limit | 20000.00 | |
| Limit: max limit | 3000000.00 | |
| Limit: max lvr | 0.95 | |
| Limit: min lvr | 0.00 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 81%–90% · $150,000 or more | 1 Nov 2026 | Current | 6.94% | 7.09% |
| Variable · investment · principal and interest · LVR 1%–50% · $150,000 or more | 1 Nov 2026 | Current | 6.54% | 6.82% |
| Variable · owner occupied · principal and interest · LVR 51%–60% · $150,000 or more | 1 Nov 2026 | Current | 6.44% | 6.73% |
| Variable · owner occupied · interest only · LVR 1%–50% · $150,000 or more | 1 Nov 2026 | Current | 6.94% | 6.92% |
| Variable · owner occupied · principal and interest · LVR 91%–95% · $150,000 or more | 1 Nov 2026 | Current | 6.89% | 7.17% |
| Variable · investment · principal and interest · LVR 81%–90% · $150,000 or more | 1 Nov 2026 | Current | 6.74% | 7.02% |
| Variable · investment · interest only · LVR 61%–70% · $150,000 or more | 1 Nov 2026 | Current | 6.69% | 6.87% |
| Variable · investment · interest only · LVR 51%–60% · $150,000 or more | 1 Nov 2026 | Current | 6.69% | 6.87% |
| Variable · owner occupied · principal and interest · LVR 61%–70% · $150,000 or more | 1 Nov 2026 | Current | 6.44% | 6.73% |
| Variable · owner occupied · principal and interest · LVR 81%–90% · $150,000 or more | 1 Nov 2026 | Current | 6.54% | 6.82% |
| Variable · investment · interest only · LVR 1%–50% · $150,000 or more | 1 Nov 2026 | Current | 6.69% | 6.87% |
| Variable · investment · interest only · LVR 71%–80% · $150,000 or more | 1 Nov 2026 | Current | 6.69% | 6.87% |
| Variable · investment · principal and interest · LVR 71%–80% · $150,000 or more | 1 Nov 2026 | Current | 6.54% | 6.82% |
| Variable · owner occupied · principal and interest · LVR 71%–80% · $150,000 or more | 1 Nov 2026 | Current | 6.44% | 6.73% |
| Variable · owner occupied · interest only · LVR 61%–70% · $150,000 or more | 1 Nov 2026 | Current | 6.94% | 6.92% |
| Variable · owner occupied · principal and interest · LVR 1%–50% · $150,000 or more | 1 Nov 2026 | Current | 6.44% | 6.73% |
| Variable · owner occupied · interest only · LVR 51%–60% · $150,000 or more | 1 Nov 2026 | Current | 6.94% | 6.92% |
| Variable · investment · principal and interest · LVR 51%–60% · $150,000 or more | 1 Nov 2026 | Current | 6.54% | 6.82% |
| Variable · owner occupied · interest only · LVR 71%–80% · $150,000 or more | 1 Nov 2026 | Current | 6.94% | 6.92% |
| Variable · investment · principal and interest · LVR 61%–70% · $150,000 or more | 1 Nov 2026 | Current | 6.54% | 6.82% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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