ING home loans can be split, and Orange Advantage adds an offset through Orange Everyday. Here is what ING's own website and terms say, and what to check before you recycle.
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Often, yes, if your loan is variable and can be split. ING does not publish guidance on debt recycling, so the answer comes from its product pages and home loan terms.
ING's home loan terms (December 2025) say that where you have more than one loan under a contract, each loan has its own account and interest is calculated on that loan's balance. Keeping investment borrowing in its own account is the core idea in our debt recycling guide.
The separation matters for tax. The Australian Taxation Office (ATO) says only interest incurred for an income-producing purpose is deductible, and borrowing used for mixed purposes must be apportioned.
Debt Recycling Loans is not affiliated with ING. ING is one of 40+ lenders on our panel. Lender policy changes, so we confirm ING's current policy before any application.
ING's comparison page sets out three home loan types. According to ING's website (November 2026), they differ on the two features recycling uses most: offset and redraw.
| Loan | Offset | Redraw | Fees |
|---|---|---|---|
| Orange Advantage | 100% offset through a linked Orange Everyday account | Unlimited redraws | $299 annual fee |
| Mortgage Simplifier | Not offered | Free redraw | No monthly or annual fees |
| Fixed Rate Loan | Not available | Not available during the fixed period | Break costs may apply |
A workable setup keeps the home borrowing on a variable loan with the offset, and puts investment borrowing in its own variable split with redraw. We set out how we structure the splits for your loan.
ING's terms say only one Orange Everyday account may be linked to a loan account for offset. A change notice in the terms adds that from 15 December 2026, an Orange Everyday account may only be linked to one loan account, held in the same names.
Link it to the home loan account. Cash offsetting the investment split would reduce interest you could otherwise claim, as explained in debt recycling vs offset account.
ING's terms say redraw can be paid by bank cheque or by online transfer, subject to withdrawal limits. A large redraw for an investment may need a higher daily limit arranged before you need the funds.
Paying the redrawn amount straight to the investment keeps a clean record of what the borrowing was used for.
ING's website says it writes to you 30 days before a fixed rate ends. If you take no action, the loan moves to Mortgage Simplifier, which has redraw but no offset.
If a fixed portion holds home borrowing, decide before expiry whether it should move to Orange Advantage so an offset can sit against it.
Check these points on your current ING loan before any funds move.
If your ING loan is variable and the offset already sits against your home borrowing, adding an investment split may be all you need. ING's website lists splitting as a change you can request on an existing loan, and borrowing more is subject to eligibility and credit approval.
A move is worth costing when the structure you need isn't available on your ING loan, or ING won't approve the borrowing your plan needs. Our page on refinancing for debt recycling sets out the costs to weigh.
We compare 40+ lenders, including ING. We start with your current ING loan: each account, its product and rate type, where the offset sits and what each part has been used for.
From there we map the splits and confirm with ING how it would set up an investment split today. You can read about how Alex works with clients before a first call.
We arrange the lending only. Your financial adviser recommends investments and your accountant advises on tax, and we work alongside both.
ING's loans can support debt recycling when the home borrowing and the investment borrowing sit in separate variable accounts. The Orange Everyday offset links to one loan account, so it belongs on the home portion.
Fixed portions, transfer limits and loan purpose are the points to settle before any funds move, and we confirm each against ING's current policy.
Send us your ING loan details and we will show you how the splits and offset could be arranged.
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No. ING does not publish debt recycling guidance or sell a product by that name. The strategy uses its standard home loans, split into separate accounts with redraw.
Often, yes. Orange Advantage is variable, includes redraw and offers an offset through Orange Everyday. The investment borrowing needs its own loan account, and the offset should sit against the home portion.
No. ING's terms allow one Orange Everyday account per loan account for offset. From 15 December 2026, an Orange Everyday account may only be linked to one loan account.
No. ING's website says the offset is only available on Orange Advantage. Mortgage Simplifier includes free redraw and has no monthly or annual fees.
ING writes to you 30 days before expiry. With no action, the loan moves to Mortgage Simplifier, so choose Orange Advantage if you want an offset against that portion.
ING's Orange Advantage page lists no variation fees, while noting discharge and other fees may still apply. We confirm the costs for your loan before any change.
What a debt recycling home loan needs: separate splits, usable redraw, the right repayment type and fair fees, and whether to vary or refinance.
Read more → GUIDEWhich lenders support debt recycling? Compare loan features, borrowing capacity, refinancing costs and why lenders decline, with worked lending scenarios.
Read more → GUIDEWhy a fixed loan cannot be split for debt recycling, what a break cost actually costs, and how to time the recycle around your fixed rate expiry.
Read more →
1. Arranged a loan when our small business situation made it difficult to qualify.
2. Met requirements to have funding available by a specified date.
3. Understood my needs to setup debt recycling to allow tax structuring.
4. Communicated well throughout.
I would use their services again.
Alex, Jess and the Kingfisher team were second to none and their process from start to finish was faultless. As a self-employed business owner, it can be difficult to obtain finance at the best of times. The Kingfisher team made this an easy and efficient proposition and their continued transparent and efficient communication ensured we were kept up to date at all times. Highly recommend them for your finance needs!
Alex and Jess dealt with our investment loan and provided a top tier service. They kept us up to date and communicated every step of the process making it a seamless and smooth experience! Awesome work team we will definitely be back for future loans!
Jess from Kingfisher was outstanding. I couldn't fault her communication, expertise or dedication to finding the best loan for our situation. The entire process was seamless from start to finish. We'll definitely be using Kingfisher again in the future. A top-tier organisation.
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Talk it through with Alex
Bring a rough picture of your home loan, income and savings. You will come away knowing whether the lending side looks workable.
Free, no-obligation call · We call back within 1 business day
Prefer to talk now? Call 0438 376 200
