130 live products
ING
Best available rate
5.64%p.a.
Orange Advantage (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.94%
Offset
Included
Redraw
Included
Finding the best rates…
Home Loans Comparison
Bank One
ING
Best available
From 5.64% p.a.
Line-up
130 live products
VS
ING vs St. George
Compare ING and St. George home loans in March 2026. ING offers rates from 5.64% p.a. across 130 products, while St. George starts at 5.79% p.a. with 145 products. ING currently has the lower rate by 0.15%.
VS
145 live products
St. George
Best available rate
5.79%p.a.
Basic Variable Home Loan
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.80%
Offset
Not included
Redraw
Included
Live edge
ING is lower on headline home loan rate by 0.15%, which is roughly $63 per month on a $500,000 loan.
0.15% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ING | St. George |
|---|---|---|
| Interest rate | 5.64% | 5.79% |
| Comparison rate | 5.94% | 5.80% |
| Offset account | Yes | No |
| Redraw | Yes | Yes |
All ING Products
Every tracked home loans option from ING.
All St. George Products
Every tracked home loans option from St. George.
ING's lowest variable rate is 5.64% p.a. (comparison rate 5.94%) while St. George starts at 5.79% p.a. (comparison rate 5.80%). ING is 0.15% lower, which saves approximately $63/month on a $500,000 loan.
Key features: ING includes offset, ING includes redraw, St. George includes redraw.
Quick Comparison
| Feature | ING | St. George |
|---|---|---|
| Interest Rate | 5.64% | 5.79% |
| Comparison Rate | 5.94% | 5.80% |
| Offset Account | Yes | No |
| Redraw Facility | Yes | Yes |
Common Questions
ING vs St. George FAQs
Which bank has a lower home loan rate, ING or St. George?
ING currently offers the lower variable rate at 5.64% p.a. compared to 5.79% p.a. Always check the comparison rate for a true cost picture.
Do ING and St. George home loans have offset accounts?
ING offers an offset account. St. George does not include an offset account.
What is ING's lowest home loan rate in 2026?
ING's lowest variable rate is 5.64% p.a. (comparison rate 5.94%) on the Orange Advantage (Variable).
What is St. George's lowest home loan rate in 2026?
St. George's lowest variable rate is 5.79% p.a. (comparison rate 5.80%) on the Basic Variable Home Loan.