ING has some standout qualifications. They have been named Canstar's Bank of the Year six years running. The award recognises banks that provide outstanding value to their customers through their product and service offerings across key banking products. They were also awarded Finder's 2024 Australia's Most Loved Home Loan. A few areas where ING

can be especially helpful include cash out up to 80% LVR, with an acceptable purpose. Unlimited debt consolidation under 80% LVR2-Year Parental Leave Policy. Further to savings, maximising support through FTB A&B, combined paid employer and government benefits. Up to 95% LVR for owner-occupied properties between 2.2 hectares to 10 hectares.

Their property share structure is worth considering. Did you know that almost 47%* of Aussies are considering purchasing a property with family or friends? Now could be the perfect time to help them start building their property portfolio. Here's how it works. Imagine 2 siblings buying a $1million property with an $800,000 loan (maximum 80% LVR). With ING, each sibling can, for example, take out a loan of $400,000 (i.e. 50% share of the loan amount) and guarantee the other's $400,000 loan. This set-up not only simplifies the process, but also offers flexibility and peace of mind of having separate loan accounts for each borrower. Flexibility and freedom to tailor the loan to suit each borrower's needs. Versatility means it fits any joint ownership scenario. Investor-friendly means you can pool resources and keep finances separate.

Customers refinancing to ING can receive $1,500 in cashback when they install energy-efficient upgrades through Home Energy Helper.