Unlock Maximum Savings: ING's Sharp Mortgage Rates + $1,500 Cash Back for Home Upgrades

Unlock Maximum Savings: ING's Sharp Mortgage Rates + $1,500 Cash Back for Home Upgrades

How 28Watt's ING partnership helps you save thousands on both your mortgage and energy-efficient home improvements

The Complete Package: Mortgage Savings + Upgrade Finance + Cash Back

28Watt have partnered with ING to create an unbeatable combination for homeowners who have recently upgraded or are planning to upgrade their homes. This exclusive partnership allows you to:

✅ Refinance to ING's super sharp mortgage rates (variable rates starting from 5.54%p.a.*)
✅ Access 3.74% p.a. finance for home energy upgrades
✅ Receive up to $1,500 cash back for eligible customers
✅ Stack multiple savings opportunities for maximum value

Ready to unlock these savings?

Please email us at hello@28watt.com.au, send us a WhatsApp or answer five short questions and book a meeting.

ING Cash Back Offers: Two Ways to Save

Option 1: $1,500 Cash Back for Refinancing Customers

Perfect for: Homeowners with existing mortgages from other lenders who want to switch to ING

What you get:

• Refinance to ING's competitive home loan rates (variable rates starting from 5.54%p.a.*)
• $1,500 cash back when you complete energy-efficient upgrades
• Access to a fixed 3.74% p.a. rate for home energy improvements

Eligibility requirements:

• Refinancing an existing home loan from another lender (minimum $350k loan and <80% LVR)
• Active Orange Everyday account with ING
• Installation of eligible energy-efficient upgrades by 30 September 2025
• Submit your final invoice by 30 November 2025

Option 2: $500 Cash Back for Existing ING Customers

Perfect for: Current ING home loan holders looking to upgrade their property

What you get:

• $500 cash back when you finance upgrades with a Green Upgrade Loan
• 3.74% p.a. fixed rate for 5 years on your upgrade loan
• Keep your existing competitive ING home loan rate

Eligibility requirements:

• Current ING home loan ($150k+ balance and <80% LVR)
• Active Orange Everyday account
• Property value less than $2.5m
• Eligible upgrades completed by 30 September 2025
• Green Upgrade Loan subject to credit assessment

 

 

ING Green Upgrade Loan: Competitive Finance for Your Improvements

Key Features:

• Rate: 3.74% p.a. (5-year fixed rate)
• Comparison Rate: 4.97% p.a. for owner-occupiers, 5.06% p.a. for investors
• Loan Amount: $5,000 to $50,000
• No upfront fees
• Fixed rate security for 5 years

Important: The 5-year fixed rate applies only to the Green Upgrade Loan portion of your overall loan facility.

 

Maximising Your Savings: ING Cash Back + Smart Financing

The real power of this partnership comes from combining ING's competitive rates with cash back offers and smart financing options. Here's how the savings can stack up:

Scenario: $750k Mortgage + Solar & Battery Installation

Current situation:

• $750k mortgage at 5.75% p.a. with another lender
• Planning $25,000 solar + battery installation

With ING partnership:

• Refinance to ING at 5.54% p.a.*
• Monthly mortgage savings: ~$131 per month ($1,575 annually)
• ING cash back: $1,500 for completing upgrades
• Upgrade financing: 3.74% p.a. for the installation
• 28Watt assistance: Expert guidance through the entire process

Your benefits:

• $1,500 direct cash back
• $1,575+ annual mortgage savings
• Low-cost 3.74% financing for upgrades
• Long-term energy bill savings from your new system

Real Customer Impact

"We worked with 28Watt to refinance our $800K mortgage to ING and topped up the loan by $60K to finance major home upgrades. We also accessed an additional $25K through ING's low-interest green financing. The refinancing alone saves us $180 per month, and having all our upgrade financing at competitive rates through one relationship has been incredibly convenient."

– Michael & Lisa T., Melbourne

 

 

Who Should Consider This Offer?

This partnership is ideal for homeowners who:

✅ Have Recently Upgraded or Plan to Upgrade

• Installed solar, batteries, heat pumps, or other energy-efficient improvements
• Planning energy upgrades in the next few months
• Want to finance upgrades with competitive rates

✅ Want Better Mortgage Rates

• Currently have a home loan with another lender
• Looking to reduce monthly repayments
• Want access to competitive refinancing options

✅ Want to Access Low-Interest Green Loans

• Need competitive financing for home upgrades
• Want to avoid high-interest personal loans or credit cards
• Appreciate the security of fixed-rate financing for major improvements

 

How 28Watt Makes It Simple

We Handle the Complexity

• Guide you through ING's refinancing process
• Help you qualify for the maximum cash back
• Ensure all deadlines are met

We Maximise Your Savings

• Calculate your total potential savings from refinancing and cash back
• Recommend the best upgrade timing and financing options
• Connect you with quality installers

Important Dates to Remember

⏰ 30 September 2025: Deadline for completing eligible energy upgrades
⏰ 30 November 2025: Deadline for submitting final invoices

Don't miss out – these deadlines are firm and extensions are not available.

Getting Started: Your Next Steps

Ready to unlock these savings?

Please email us at hello@28watt.com.au, send us a WhatsApp or answer five short questions and book a meeting.

This article is for informational purposes only and does not constitute financial advice. Terms and conditions apply to all offers mentioned.