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 Up
Compare ING and Up home loans in March 2026. ING offers rates from 5.64% p.a. across 130 products, while Up starts at 5.45% p.a. with 6 products. Up currently has the lower rate by 0.19%.
Bank Two
VS
6 live products
Up
Best available rate
5.45%p.a.
Up Home Loan (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.45%
Offset
Included
Redraw
Included
Live edge
Up is lower on headline home loan rate by 0.19%, which is roughly $79 per month on a $500,000 loan.
0.19% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | ING | Up |
|---|---|---|
| Interest rate | 5.64% | 5.45% |
| Comparison rate | 5.94% | 5.45% |
| Offset account | Yes | Yes |
| Redraw | Yes | Yes |
All ING Products
Every tracked home loans option from ING.
All Up Products
Every tracked home loans option from Up.
ING's lowest variable rate is 5.64% p.a. (comparison rate 5.94%) while Up starts at 5.45% p.a. (comparison rate 5.45%). Up is 0.19% lower, which saves approximately $79/month on a $500,000 loan.
Key features: ING includes offset, ING includes redraw, Up includes offset, Up includes redraw.
Quick Comparison
| Feature | ING | Up |
|---|---|---|
| Interest Rate | 5.64% | 5.45% |
| Comparison Rate | 5.94% | 5.45% |
| Offset Account | Yes | Yes |
| Redraw Facility | Yes | Yes |
Common Questions
ING vs Up FAQs
Which bank has a lower home loan rate, ING or Up?
Up currently offers the lower variable rate at 5.45% p.a. compared to 5.64% p.a. Always check the comparison rate for a true cost picture.
Do ING and Up home loans have offset accounts?
ING offers an offset account. Up offers 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 Up's lowest home loan rate in 2026?
Up's lowest variable rate is 5.45% p.a. (comparison rate 5.45%) on the Up Home Loan (Variable).