Despite professing to have improved their processing times, ING still take over 3 weeks to assess home loan applications leaving buyers in the lurch. Even when advised of urgency, they do not seem to make efforts to hurry, asking for documents they already have and not communicating when necessary. Wouldn't use them again or recommend if you actually want to buy a property without the sale falling through.

Similar to other reviews, ING were very helpful and reasonably efficient when signing over to their Orange Everyday product (which was a very competitive product in late 2015/early 2016). However they then started making changes removing the 2% cash back on their debit card, then lifting existing customer rates above new customer rates. Exit process was very time consuming and delayed several times by them.

I have been with ING for over two years now. I have had a decent deposit and over 60k savings. Recently I asked them to call me to see how much home loan I can get from them. I have got a continuous contract as an uni lecturer which is one of the secur jobs in Australia. But they said they can't give me a loan because I've got two years probation period and I have just stated for six month. I have already got Commbank and Nab pre-approvak for about 450k home loan. What a crap. I will close all my accounts with them soon.

If you're thinking of going with these guys don't get your hopes up. I am in a strong financial position for a loan but somehow to my amazement I still didn't qualify for the amount. Heaven help those trying to buy who don't have a decent income, deposit & assets. Amazing!

After signing up with them for advertised fixed rate of 3.59% for 3 years, they have assigned 3.89% and now saying this is as per day of settlement. It is pure crap service. Don't go with them.

Warning to everyone who are considering applying for home loan or refinancing with ING Direct.
Please go somewhere else, or research other lenders. I had a very bad experience with ING, they are very, very slow on processing and kept coming back to the same questions over and over, and dragged it for 6 weeks! It was like my worst nightmare, it's been very stressful experience and I almost lost my home, and due to their incompetencies and not caring, I was prompted to make a quick decision to apply with another lender and got approved in one week. Thank goodness!
So, for everyone out there, if you are not prepared to loose your home, I highly advise you to go with other lenders.

I have experienced the worst service from this bank.
It took them months to process my refinance. I constantly needed to ring and follow things up. ING blamed my previous bank for slowing things down but it wasn't them as I checked.
The $75 refer a friend bonus is a scam as they never followed through on this deal, despite my 5 phone calls on the matter lol.
It is so frustrating dealing with bank workers who can't grasp simple concepts and repeat irrelevant or inapplicable things over and over. I just can't tell it enough to stay away...would recommend members equity or u bank. Much better for cash investments at call too.

For starters, when I applied for their home loan (which should have been a very simple one), they kept asking for the same information over and over again and barely even approved it by the deadline, nearly cost me the house.

Had money in their orange everyday account before settlement - they didn't pay any interest despite stating 2.75% interest in large font on their website under "Why open an Orange Everyday?" even though this applied to a completely different account!!

Be careful, this isn't the first time they've engaged in some questionable advertising - Just this month they were ordered by ASIC to pay compensation for misleading advertising on their superannuation accounts.

I have had all sort of accounts with ING for over 15 years and 2 mortgages with them. The latest one was after a marriage break up and at first they were great. The 3 years fixed rate was up so I tried to refinance for another 3 years with a very low increase and they not only said NO but gave me the WORST customer service. Would not reply to emails and then gave me incorrect advice. I am going to another bank as I am sure someone else would love my interest for 30 years

I have to admit that they do have good rates, especially for new home loans.
For old loans, it might be better to check with other banks every few years, as I just found out my existing loan rates is higher than the similar loan in one of the big banks!

They have a very slow processing speed.
I have been trying to get a pre approval for almost 3 weeks and it's not even being reviewed yet up until now!
It's quite unbelievable.

Definitely will shop around.

Got an ING loan through MyRate six years ago. The advertised rate was great at first but reductions have almost never followed the RBA rate and it's been impossible to get them to get within 0.5% of the advertised rate. I asked again this week and they told me they'd already reduced my rate - which they did, by 0.1% following the recent RBA reductions of 0.5%. Be very wary of these guys. I had [name removed] as a loan manager specifically - he's shady character.

This bank delivers everything you could ask for in a homeloan. The service is excellent, the interest rate is low and the whole experience was stress free. Pleasantly suprised following my recent experience dealing with the BOQ which was an absolute joke of a bank.

Hi have been with ing from 2.5 years I had a 3 year fixed term and variable loan. I ask them can I get a better rate as other bank including big 4 are offering .5 less been charged on my variable. They were advertising var rate for 4.19 and they told me we can only offer me 4.49 and when I asked them why they said it's only for new customer. they don't care after you are there customer. There explanation for break cost is not convincing as its increases as I am making more payment.
I won't recommend it to any one

Refinanced from NAB to Ing Direct, yeah its a tad slow but as its a refinance it really didn't have to be quick, also you have to consider that NAB is part to blame as they stuff around with the discharge. ING are in 1% lower than NAB in comparison rate and the free ATM anywhere in Aus and the %2 wave and save all adds up over the life of you loan. I was a bit nervous with it being a branchless bank but hey its 2016 and I've grown comfortable with it. Its only early days but so far they have been great! Also the customer service is awesome they talk to you like a human and its just like you've caught up with them down the local bar or cafe for a chat.

We already have a home loan ING Direct (practically paid off with less than $100 owing just to keep the account open). We saw a house today (Saturday) that we wanted to buy, they already had offers on the table and the owner was going to make a decision on Monday. No worries we'll ring our bank and get approval and submit an offer. NOPE! ING Direct has informed us that no one is available to talk to us about a home loan until Monday! We even offered to sit on hold for hours, but they basically said no one was there so there is no point waiting. Thanks ING Direct for costing us the opportunity to buy our dream home. We will be moving to a new bank ASAP.

ING were relatively ok to get a loan with but after selling our house and trying to get the loan discharged has been an absolute nightmare. Settlement has now been delayed by them, going on 8 days which means we foot the costs of delayed settlement. Customer service had been terrible and was basically told that they have do many loans my experience doesn't matter to them. Think twice before taking a loan with them. Their solicitors, Gadens, are just as bad in terms of don't give a f&#k attitude.

Switched over my home loan from ANZ to ING for the lower rate - going to save around $15,000 over the life of the loan. I signed up through a broker called Mates Rates, and they handled everything, kept me in the loop and were fantastic to deal with. Very smooth process.

100% offset account too with ING so the saving is likely to be even more.

When combined with 2% cash back and free ATM withdrawals from any bank, this deal can't be beaten. Super happy with ING so far. The iPhone App is excellent too.

I just wish I could arrange direct debits to happen straight from the Orange Everyday Loan Account.