ING - Personal and Business Banking. Do your thing.

Time 2021-09-21 21:19:50

Web Name: ING - Personal and Business Banking. Do your thing.

WebSite: http://www.ingdirect.com.au

ID:197168

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$3K cashback offer, on the house You could get a $3K cashback if you refinance your eligible home loan to ING. Minimum refinance amount $500k. Must apply before 30 September 2021 and settle by 31 December 2021. Click here for Terms Conditions Financial Support Need Financial Support with your Home Loan, Personal Loan or Credit Card? Available when customers deposit $1,000+ per month (such as their pay), make 5+ card purchases that are settled (not pending) Additionally from 1st March 2021, Grow their nominated Savings Maximiser balance (excluding interest) to get these benefits the following calendar month: Earn up to % p.a. variable interest on one nominated Savings Maximiser account for balances up to $100,000 (when you also have an Orange Everyday) Learn more about Savings Maximiser See all savings products Life is full of surprises. An ING Personal Loan isn't. ING unsecured personal loans available from 7.99% p.a. to 10.99% p.a. (comparison rate from 8.13% p.a. to 11.14% p.a.). We'll waive the $100 personal loan establishment fee when you have an active Orange Everyday at the time of application or request to open an Orange Everyday account with your ING Personal Loan to receive loan funds. Learn more about ING Personal Loan Available when customers deposit $1,000+ per month (such as their pay) and make 5+ card purchases that are settled (not pending) each month to get these benefits the following calendar month Save on fees with ATMs rebated in Australia and overseas. Shop online and overseas and pay no ING international transaction fees. Learn more about Orange Everyday For whatever is on the cards Choose a value packed low rate card with no annual fee or our platinum card that gives you cash back on your spend. Choose a value packed card with no annual fee and a low fixed interest rate from Australia's most recommended bank. No annual fee AND a low % p.a. variable rate on purchases No ING international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases that are settled (not pending) each month Mobile payments made easy with Apple Pay and Google Pay Credit limits available from $1,000 to $30,000 Choose to Pay off your purchases and set the terms of your choice using instalment plans and get an even lower interest rate of % p.a. Set up personalised notifications to help stay on top of things Set up automatic repayments from your eligible ING accountAdd an additional card holder for just $10 per card We're here to make your next move easier Make the process of buying a house or re-financing simpler with a straightforward, easy-to-understand home loan. Then save yourself the insurance run-around and money by keeping everything under one roof. Here's how ING can help. From first timers to switchers, we can help you achieve your property goals. Your own home loan specialist will be there to help you, every step of the way. Online calculators that help you estimate your borrowing power, repayments and offset savings. Low variable and fixed interest rates with split loan options. Compare our home loans Protect what you love with Combined Home and Contents Insurance. Save up to 30% on your first year's base premium online. Choose the cover that s right for you - home, contents, home and contents or optional covers. Relax with new for old replacement cover for fire, storm, theft and a $20 million legal liability cover. See the PDS for full details. Make claims 24/7 online or over the phone. Learn more about Home and Contents Insurance Make your money work harder. Save for the future and grow your wealth with options that could deliver long-term benefits. Here's how ING could help. Save more over the long term for your retirement lifestyle with our simple super solution. Learn more about Living Super Available when customers deposit $1,000+ per month (such as their pay), make 5+ card purchases that are settled (not pending) Additionally from 1st March 2021, Grow their nominated Savings Maximiser balance (excluding interest) to get these benefits the following calendar month: Earn up to % p.a. variable interest on one nominated Savings Maximiser account for balances up to $100,000 (when you also have an Orange Everyday) Learn more about Savings Maximiser See all savings accounts Specialists in business deposits and commercial lending. Competitive rates on term deposits, high variable interest savings, and commercial property loans. If you require more than $500,000 for a commercial property, our specialist team can assist you with experience gained over 25 years in the real estate market. Funding options include: Variable or Fixed term loans Financing traditional investments in real estate, such as commercial, industrial, retail or multi-unit residential property Development and construction projects Learn more about Commercial Loans ING Personal Loan with a low fixed interest rate gives you certainty in your repayments - plus no early repayment fees, and no ongoing monthly or annual fees. ING Personal Loan Protect what you love and save on your first year's base premium online - 30% with ING combined Home and Contents Insurance, plus 15% with ING Car Insurance, ING Travel Insurance, ING Motorcycle Insurance and ING Pet Insurance. T Cs apply - see disclaimer. ING Car Insurance ING Home and Contents Insurance ING Pet Insurance ING Travel Insurance ING Motorcycle Insurance Access your banking where and when you like Fast, convenient and secure. Whichever way you like to do your banking, we've got you covered. If you have a disability, see how we make banking more accessible for you. Find out more Banking Code of Practice The Banking Code of Practice is a set of commitments made to our customers, developed by the banks in collaboration with the Australian Banking Association. Find out more Financial support If you are experiencing financial difficulty or difficult personal circumstances, find out how we can help. Find out more Access your banking where and when you like Fast, convenient and secure. Whichever way you like to do your banking, we've got you covered. If you have a disability, see how we make banking more accessible for you. Find out more Banking Code of Practice The Banking Code of Practice is a set of commitments made to our customers, developed by the banks in collaboration with the Australian Banking Association. Find out more Important Information Information and interest rates are current as at the date of publication and are subject to change. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133 464. To view these documents you may need Adobe Acrobat. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. Orange One Rewards Platinum 1% cashback Where you hold an active Orange One Rewards Platinum Credit Card Account and an active linked Orange Everyday Account (i.e. not been suspended or closed), you can earn 1% cashback up to a maximum cashback entitlement of $30 per month per Account when you make eligible purchases^ on your Orange One Rewards Platinum Credit Card. The cashback entitlement will be calculated monthly and will be paid to your linked ING Orange Everyday Account one calendar day after the date you are required to make your minimum monthly credit card repayment. The cashback does not reduce your minimum monthly credit card repayment obligations. ^Eligible purchases include card purchases made in store or online, EFTPOS purchases, payWave and Apple Pay transactions made with Orange One Rewards Platinum Visa card, but excludes: - Cash transactions (including cash withdrawals from an ATM or over the counter at a bank or cash provider, pseudo cash transactions e.g. gambling, mobile phone top ups and foreign currency and travellers cheques), interest, default charges, insurance premiums and other fees and charges debited to your Orange One Rewards Platinum Account. - Amounts re-credited or refunded. Any purchases refunded will be removed from the calculation for the cashback; - Any transactions made which result in spending that exceeds the credit limit in any one month; and - BPay transactions. We may vary any of these terms and conditions or withdraw this cashback offer at any time. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 of 74 High Street, Toowong QLD 4066 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street, Sydney NSW2000 has issued an insurance group policy to ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian credit licence 229823 (ING) of 60 Margaret Street, Sydney, NSW 2000 which allows eligible ING cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Complimentary Insurance Terms and Conditions which may be amended from time to time. Excesses may apply. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. ING does not guarantee this insurance. Home loans The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new ING security property and borrowings. All rates and information are correct at time of publication and are subject to change. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available at ing.com.au or by calling 133 464. All features are not available for every type of loan. If you select a fixed rate loan, break costs may be payable if, at any time before the fixed rate expires, you (1) pay out your loan, make an additional payment of $10,000 or more, or you make additional payments totalling $10,000 or more in any one-year period (with the first one-year period starting on the first day of the fixed interest period), or (2) you ask us to make certain changes to your loan including but not limited to your loan type, your repayment type, your loan purpose, your fixed interest period, the security on your property, your approved loan amount, your loan term, the borrowers on your loan or any other change that requires your loan to be re-documented. You should refer to the Home Loan terms and conditions for details and contact us on 133 464 for an estimate of the break costs that may be payable by you in the above circumstances. Any additional payments or advanced funds are not available for redraw during the fixed interest period. There is no offset facility available on a fixed rate loan. The offset facility is only available on the Orange Advantage home loan account when linked to an Orange Everyday account. With an Orange Advantage home loan, a non-refundable annual fee applies (refer to the Orange Advantage Post-Settlement fees and charges located here for more information); and 100% interest offset when linked to our Orange Everyday transaction account and you make a deposit into this account. The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to our products you should read the relevant Terms and Conditions booklet and Fees and Limits Schedule, available at ing.com.au or by calling 133 464. To view these documents you may need Adobe Acrobat. Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING recommends you seek independent financial or taxation advice where appropriate. ING Property Reports Property reports are prepared by Core Logic. The statements, information and opinions contained in those reports are those of Core Logic only, and ING does not endorse or accept any liability for them. The ING Property Report is available to customers who provide their contact details for ING to contact them about products and services. Personal loans The comparison rate for the ING Personal Loan is based on an unsecured loan of $30,000 over a loan term of 5 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. Rebate Offers for Orange Everyday Customers The Global ATM Rebate Offer and the International Transaction Fee Rebate Offer will apply for the next calendar month when you perform the following during the current calendar month: - deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super, Personal Loans and Orange One), and - also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions). Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month. When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders. If eligible, up until 30 November 2021: - for ATMs in Australia – any ATM fee charged by the ATM operator is rebated immediately following the transaction, - for ATMs outside Australia – ING will rebate the International ATM withdrawal fee of $2.50 immediately after it is charged and rebate any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Australia can take up to 5 business days to finalise, and - for ING international transaction fees – ING will rebate the International Transaction fee of 2.5% of the amount of the international transaction immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer). Orange Everyday banking benefits are changing from 1 December 2021. This means that from this date, each month that you’re eligible for Orange Everyday Benefits, you'll receive the following banking benefits on each of your Orange Everyday accounts for transactions carried out on those accounts in that month: - Rebates on the ATM fees for the first 5 fee incurring ATM withdrawals (Domestic & International) on the account; - Unlimited rebates on the ING International Transaction Fee; and - 1% cashback on eligible utility bill payments (up to $100 per financial year). Terms and conditions apply to these benefits. For details of the updates that are effective 1 December 2021, please see the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, and the new Orange Everyday Benefits Schedule dated 1 December 2021. If eligible, the offer applies to all accounts held in your name (either single or joint account). This offer may be changed or withdrawn at any time at ING's sole discretion. Orange Everyday Youth All Orange Everyday Youth accounts will receive the Global ATM Rebate Offer and the International Transaction Fee Rebate Offer. This means that: - for ATMs in Australia – any ATM fee charged by the ATM operator is paid back to you immediately following the transaction, - ING will pay back the International ATM withdrawal fee of $2.50 immediately after it is charged, and - ING will pay back any ATM fee charged by the ATM operator when your transaction is finalised (settled). While a transaction is pending, the amount of ATM operator fee will be deducted from your available balance and will be paid back to you after the transaction is finalised (settled). ATM transactions made outside Australia can take up to 5 business days to finalise, so that means it can take up to 5 business days for us to pay back overseas ATM fees to you, and - for ING international transaction fees – ING will pay back the International Transaction fee of 2.5% of the amount of the international transaction immediately after it is charged. The person you're buying things from may charge you a separate fee for their services (which we will not pay back to you under this offer). Please note that from 1 December 2021, these banking benefits are changing. From this date, you’ll automatically be eligible for the following banking benefits on each of your Orange Everyday Youth accounts instead: - Rebates on the ATM fees for the first 5 fee incurring ATM withdrawals (Domestic & International) on the account; - Unlimited rebates on the ING International Transaction Fee; and - 1% cashback on eligible utility bill payments (up to $100 per financial year). Terms and conditions apply to these benefits. For details of the updates that are effective 1 December 2021, please see the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, and the new Orange Everyday Benefits Schedule dated 1 December 2021. Orange Everyday Youth is an account for individuals who are 15 to 17 years old. Joint accounts and overdrafts are not available for Orange Everyday Youth. This information has been prepared without taking account your personal circumstances, financial situation or needs. Read the Orange Everyday Terms and Conditions and Fees & Limits Schedule, and the Savings Maximiser Terms and Conditions, available at ing.com.au, and consider if it is right for you. If you have a complaint, please call us on 133 464 at any time as we have procedures in place to help resolve any issues you may have. Orange Everyday Youth and Savings Maximiser is issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823 Savings Maximiser Information and interest rates are current as at the date of publication and are subject to change. The additional variable rate currently % p.a. (that is added to the Savings Maximiser standard variable rate) applies on one nominated Savings Maximiser per customer for the next calendar month when you also hold an Orange Everyday account and in the current calendar month you do the following: - deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and - also make at least 5 card purchases^ that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions) - ensure that the balance of your nominated Savings Maximiser account at the end of the month (excluding interest) is higher than it was at the end of the previous month. Each customer can nominate a maximum of one Savings Maximiser account (either single or joint) to receive the additional variable rate (where eligible). You can check and change your nominated Savings Maximiser account via online banking or by calling us on 133 464. If no nomination is made, the additional variable rate (where eligible) will be applied to an account nominated by ING at its sole discretion. Any amounts above $100,000 are subject to the Savings Maximiser standard variable rate applicable at the time. If you do not satisfy the conditions to receive the additional variable rate, the standard variable rate applies. ING can change or withdraw the additional variable rate at any time. The additional variable rate is not payable in conjunction with any other promotional rate. ^Card purchases includes in store credit or EFTPOS purchases, online purchases, regular card payments, payWave, Apple Pay, and Google Pay transactions made with an Orange Everyday Visa card, Orange One Low Rate or Orange One Rewards Platinum Visa card or Nil Interest Visa card provided with an eligible ING home loan. When using the phrase 'settled' card purchases in a calendar month, we mean that the purchases made on your card must be fully processed by the end of the last day of that month. Card purchases made in store or online this current calendar month which are at a 'pending status' and do not settle until the next calendar month do not count towards the 5 card purchases needed this current calendar month. When determining if you are eligible under the offer, we also take into account the behaviour of any of your joint account holders or additional cardholders. Rebate Offers for ING Home Loan Customers For as long as you hold an ING home loan, you'll receive the following benefits on your Orange Everyday and Orange One accounts: - for ATMs in Australia – any ATM fee charged by the ATM operator is rebated immediately following the transaction, - for ATMs outside Australia – ING will rebate the International ATM withdrawal fee of $2.50 immediately after it is charged and rebate any ATM fee charged by the ATM operator at settlement of the transaction. While the transaction is pending the amount of the acquirer fee will be deducted from your available balance and will be reinstated after the transaction is finalised. ATM transactions outside Australia can take up to 5 business days to finalise, and - for ING international transaction fees – ING will rebate the International Transaction fee (Orange Everyday) and Foreign Currency Conversion fee (Orange One) of 2.5% of the amount of the international transaction immediately after it is charged. Merchants may charge you a separate fee for their services (which is not rebated under this offer). If eligible, the benefits apply to: - all Orange Everyday accounts held in your name (either single or joint account), and - all Orange One accounts held in your name (including in respect of any additional cardholder). The ING cash advance fee for Orange One customers is not rebated under this offer. Please note that from 1 December 2021, these banking benefits are changing. From this date, each month that you're eligible for Orange Everyday Benefits, you'll receive the following banking benefits on each of your Orange Everyday accounts for transactions carried out on those accounts in that month:. - Rebates on the ATM fees for the first 5 fee incurring ATM withdrawals (Domestic & International) on the account; - Unlimited rebates on the ING International Transaction Fee; and - 1% cashback on eligible utility bill payments (up to $100 per financial year). Terms and conditions apply to these benefits. For details of the updates that are effective 1 December 2021, please see the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, and the new Orange Everyday Benefits Schedule dated 1 December 2021. This offer may be changed or withdrawn at any time at ING's sole discretion. Insurance ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) is issued by Auto & General Insurance Company Limited ABN 42 111 586 353 AFSL 285571 (AGIC) as insurer (Insurer). Home & Contents, Car, Motorcycle and Travel are distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and ING Bank (Australia) Limited ABN 24 000 893 292 (ING) as an Authorised Representative 1247634 of AGS. Pet Insurance is administered by Pet Health Insurance Services Pty Ltd ABN 59 638 910 675 as Authorised Representative 1282153 of AGIC. Pet Insurance is distributed by AGIC and ING Bank (Australia) Limited ABN 24 000 893 292 (IBAL) as Authorised Representative 1247634 of AGIC. ING is a business name of ING Bank (Australia) Limited. An ING Insurance policy does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or any of its related bodies corporate. ING will receive a commission from either AGIC or AGS for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide. ING Insurance is subject to AGIC's underwriting criteria and ING's Customer Eligibility and Name Screening Assessment. ING Home & Contents Insurance is not available in NT, North QLD or Northern WA. For Car Insurance, vehicle details are checked against information available on Red Book. For Motorcycle Insurance, vehicle details are checked against information available on Glass' Guide . This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the Product Disclosure Statement, Target Market Determination, Financial Services Guide, Key Fact Sheets (Home and Contents Insurance Only), Premium Excess & Discount Guideline (Car Insurance Only), Roadside Assistance Terms and Conditions (service provided by AGS for Car Insurance Only) and the ING Customer Eligibility and Name-Screening document available at ing.com.au, and consider if an ING Insurance product is right for you before deciding to purchase or continue to hold the product. The price we quote is at the Insurer's sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the Insurer may choose. These factors may change at any time without notice, as may the prices. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges. DISCOUNTS: All discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of all discounts may therefore be impacted. We reserve the right to change any of the discount offers at any time. - Online discounts below apply to the first year's base premium paid for a new ING Insurance policy purchased online for approved applicants only. Online discounts do not apply to any renewal offer of insurance. - ING Home and Contents Insurance: up to 30% discount on combined Home & Contents Insurance, up to 15% for Home only or Contents only Insurance policies. - ING Car Insurance: up to 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car Insurance policies. - ING Motorcycle Insurance: up to 15% discount on Comprehensive, Third Party Property Only and Third Party Property Fire & Theft Motorcycle Insurance policies. - ING Travel Insurance: up to 15% discount on Annual Multi-Trip, Comprehensive, Essential, Last Minute and Domestic Travel Insurance policies. - ING Pet Insurance: 15% discount on a Pet Insurance policy. - Multi-pet policy discount of 5% apply to the first year's base premium paid as follows: - Where there are two or more Pet Insurance policies purchased at the same time, the discount will apply to the first year's base premium paid for those Pet Insurance policies. - If two or more policies are purchased at different times, the multi-pet policy discount will apply to the new subsequent Pet Insurance policies only and not the existing Pet Insurance policy. - The Multi-pet policy discount applies to any renewal offer of insurance where there are two or more pets insured, at the same time the renewal is offered. However, the Insurer reserves the right to withdraw the multi pet policy discount on renewal. If this occurs you will be notified when (and if) you are offered a renewal. ApplePay is a trademark of Apple Inc., registered in the U.S. and other countries. The ApplePay Terms and Conditions for ING customers are available to consider when setting up ApplePay on your eligible device. 32,000 ATMs according to Australian Payment Networks transaction statistics on ATM Terminals June 2017. ING is Australia's most recommended bank according to RFi XPRT Survey, February 2021 – July 2021 (n = 31,903) when compared to customers of 20 other banks operating in Australia. It is also Australia's fifth largest main financial institution (MFI) with 6% of market share according to RFi XPRT Survey, February 2021 – July 2021 (n= 31,903). MFI is defined as the bank that the consumer says is their main financial institution. Source: Galaxy research (January 2018) commissioned for ING suggests Aussies who purchased something from international online retailers in 2017 have collectively paid as much as $166M in bankcard transaction fees (n=1,001). ING Bank Australia Limited ABN 24 000 893 292. The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Different terms, fees or other loan amounts might result in a different comparison rate. 1. The Promoter is ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL and Australian Credit Licence 229823. 2. This $3,000 ING Home Loan Refinance Cashback Promotion ('Promotion') commences on 1 July 2021 and ends on 30 September 2021 ('Promotional Period'), unless extended. 3. All applications for credit are subject to ING's credit approval criteria. Fees and charges apply. 4. Customers who meet the following eligibility requirements will receive $3,000 cashback subject to the terms and conditions of this Promotion ('Eligible Customers'): a. Customers must be Australian residents aged 18 years or over; b. Customers must submit an application for a new ING home loan ('new ING Home Loan') within the Promotional Period (the 'Application'); c. The Application must include the refinance of an existing home loan from another lender and be for a total loan amount of at least $500,000. This refinance amount of $500,000 excludes refinances of existing ING loans. d. The new ING Home Loan must have a loan to value ratio (LVR) of 80% or less; e. The new ING Home Loan must settle on or before 31 December 2021; and f. An active ING Orange Everyday transaction account must be held in the same name(s) as the new ING Home Loan at the time that the cashback is paid (which will occur within 70 days after settlement). 5. The Promotion applies in relation to any available ING Home Loan product including Owner Occupier and Investor loans and loans with Principal and Interest and Interest Only repayments. 6. The Promotion is limited to one $3,000 refinance cashback per Application irrespective of the number of: a. properties or borrowers included on the Application; or b. loan accounts that are being opened through the refinance. 7. The Promotion is not available in conjunction with any other promotions. 8. Provided these Terms and Conditions are met, Eligible Customers will receive $3,000 cashback transferred electronically into their ING Orange Everyday transaction account within 70 days of settlement. 9. Where an Eligible Customer has more than one Orange Everyday account held in the same names as the new ING Home Loan, ING will determine which account will receive the cashback. The customer cannot nominate an account. The customer will be notified via email after the cashback has been deposited into their account. 10. The $3,000 cashback will not be considered in ING's assessment of whether you could service the new ING Home Loan. 11. ING accepts no responsibility for any tax implications that may arise from the cashback. Eligible customers may need to seek advice from the Australian Tax Office or their own taxation adviser or independent financial adviser. 12. This Promotion is current as at 1 July 2021. ING reserves the right to change or withdraw the Promotion at any time.

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