ING can not be trusted. Suck you in with a discount on advertised rates. Within 18 months rates have been increased and no longer represent what is being advertised for the same product. They do not see their behavior as unethical and an appallingly dishonest way to treat customers.

Without RBA rate increases my rates kept increasing. I asked them to match the advertised rate for new customers and they said they wouldn't. Loan with ING moved to 4.18% moved to HSBC at 3.59%. I bit the bullet on the exit fees, but too annoyed to stay. I had been with them for 12 years.

Be careful on exit fees.

I've had poor service today. I've had 2 mortgages with ING for just over two years. During that time the reserve bank rate hasn't moved at all yet my interest rates have crept up consistently over that period. I've also been forced into P&I repayments meaning my monthly repayments commitment has almost doubled within 2 years. The offers advertised are for new business - not for existing customers. Once you are a customer the service stops they rely on their exit fees etc to keep you in the agreement. Very disappointing today. Be very careful to consider all fees before working with these.

Also, they send you emails which you cant reply to - how rude is that? Customers opinions or responses not accepted!!!

Customer service experience is not professional not helpful at all. I have very good secure government job more than 10yrs with very good salary package, own house and was no reason to declined personal loan. ( Has been told, my job isn’t very secure...?

As per a lot of others, signed up at a very competitive rate and have suffered a number of rises.

As of today i am at 3.93 and they are advertising 3.85 for the same product. Not massive but i have an offer for another bank for 3.72% and $1.5k cash back. Called today and was told 3.93 is the best they can do and only steered towards a fixed rate home loan...

applied for a personal loan and was given no reason to be declined earning$ 150k a year with heaps of equity in my home/ excellent credit rating and having never been declinded for a loan before and got a generic response that i couldn't get a $30,000 personal loan approved but yet got automatically by anz on the spot.

I asked the broker if this was a honeymoon rate and was told no. I knew it wasn't for the life of the loan but the increase by 0.15% just 2 months on is just ridiculous. Plus this loan comes with annual fees. I am stuck for 2 years unfortunately before I could switch as I went through a broker. Don't bother. I went with them because of their fast approvals and not many lenders are keen to take on off-the-plan properties. If you have time, go with lenders who tend to stick with their rates - CUA, Ubank.

I have been with ING for ONLY eight months and so far they have raised the interest rate by 0.15 TWICE. I understand that I am using a variable rate product but how variable? Every 3 months variable? I started on 3.75 and ONLY after a few months the rate has gone up to 3.93. With this pace, I am going to get 5+ soon! Be aware of their advertised rates! It's just a gimmick to lure you in!

We have been with ING for 13 years. We noticed that the interest rate we were paying was 1% more than the advertised rate. Made numerous attempts to contact them, but was always told they would phone back (July last year). In January attempted again. Tried to brush me off as no one available. Said I would hold, which I did for 10 mins. After a lengthy discussion, our rate was reduced by .75%. Yesterday, we received an email saying it is being increased by .15. %! Really ING? Called this morning. The ‘customer service person’ was Very rude. Explained my case, and was promptly told do what’s best for you and maybe find another lender.
Mmmmmm.......not happy. Have since found another lender happy to offer us a great deal. See you later ING.

Having refinanced from ANZ who were treating us with disdain, we have unfortunately had the same experience as others. Two days after settling we have received an email to say our rate is going up from 3.68% to 3.83%. And it is higher than the advertised rate of 3.73%. The paperwork was a little tedious to deal with but I will be strongly considering changing again. The rate is still better than ANZ but i wonder how long that will last. Another rate rise and we will be switching. Of course I can't get through to speak to anyone about our loan. Not happy!!

Bad customer service. They are not friendly and horrible enough to hear on 24/12/2018 from their professional lender “I can’t waste my time as long as you don’t have the minimum deposit“ without give advices or even listen to any alternative plans. Their actual interest rates after settlement will not be as previously advertised. Don’t deal with them and avoid rough chat and hidden costs. Their offers on the website only and not fact when you come to deal with them!

I have just found out I am being charged 4.8% interest on my variable loan, whereas a new customer would be charged 3.73%. That's where loyalty gets you with ING. Customer service and fees are fine, it is just their rates that are repulsive.

I would suggest don't bank with ING as I recently refinance with them looks like they offered really a bad and poor service.

I never gone before for HECS-HELP debt and when I applied for refinancing home loan with ING, I never ticked HECS or mention in my application but their system is reporting I have HECS debt.

I called this bank many time spoke to customer relationship officer and staff over the phone but still same message noted for new credit card application.

How a crap service! I suggest please see their review here before deal with them, I could have done this before going for mortgage with them.

We’ve been with ING for 4 years. Even with rate increases, the rate is still competitive. You will find most banks have an intro rate & will increase it within 12 months. most difficult part for me is the max you can take out at an atm in 1 day is $2,000. And to transfer money to a non- ING account takes 24hrs to process.

I cannot stress how horrible this bank is. Don't deal with them. The market great deals that change soon after you sign up, whilst still advertising great rates and fees for new people. No customer service.

Really unhappy with Ing offering new customer a nice low home loan rate and increasing the one of their existing customers! Doesn't give any reason why and won't offer anything. Plan on moving to an other bank soon! This is just a rip off! They just want to catch new customer in a trap! Totally unreliable!

I agree with all of the reviews of being slugger with ridiculous legal fees and increased interest. Going to refinance as soon as I serve the minimum period. Worst. Mortgage. No branches and charge for everything. Regret following the advice of a mortgage broker who makes thousands from commissions.

Ok this is what they do. They attract you with a low rate and they will send you a notice of increase after a month. It has happened to me twice! Still happy overall that is why the 3 stars