The offset facility is only available on the Orange Advantage home loan account when linked to an Orange Everyday account. There is no offset facility available on a fixed rate loan. Any additional payments or advanced funds are not available for redraw during the fixed interest period. 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. WARNING: 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. All features are not available for every type of loan. Details of these and the terms and conditions are available at or by calling 133 464. All applications for credit are subject to ING's credit approval criteria. One of our advisors can help you understand the details and make sure there’s a solution that works for you.All rates and information are correct at time of publication and are subject to change. To get the best, most accurate information about prepayment eligibility and to determine if you might be assessed a prepayment penalty, call us at 1.877.378.8728. If you have a variable rate closed mortgage, you can find information that can help you understand your potential prepayment penalty in section V of your Mortgage Schedule. If you have a fixed rate closed mortgage, you can find information that can help you understand your potential prepayment penalty in section A of your Mortgage Schedule which is your mortgage agreement. ![]()
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