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Practical ways to stay on top of your finances

With everyday costs going up, we understand managing your money can be harder.
So here’s some quick links to practical ways to stay on top of your accounts, repayments and finances that could help ease the pressure. Always remember, if you’re experiencing financial stress or unsure, you can always give us a call.

Home loans

Practical ways to feel at home with your loan.

Know your home loan

The difference between offset and redraw More about offset More about redraw Varying your loan Understanding split loans Principal and interest vs interest only Options when your fixed rate ends

Calculators

Repayment calculator Extra repayments calculator Offset calculator Refinancing calculator Split loan calculator

Useful articles

3 ways to make your home loan part of your daily routine Get your home loan ducks in a row Home equity – a low cost alternative to a personal loan Getting away from home when you have a loan Finding the right home loan for you

Credit cards

Practical ways to manage your card.

Know your credit card

Instalment plans Decrease your credit limit Making repayment Cancelling subscriptions

Useful articles

Understanding interest rates and charges Cutting back on unused subscriptions Managing finances Take control of debt Build up your credit card confidence

Personal loans

Practical ways to get personal with your loan.

Know your personal loan

Making repayments Change repayment frequency Making extra repayments Paying off your personal loan early Calculate payout figure Closing your personal loan

Calculators

Loan repayment calculator

Useful articles

How to embrace early loan payments How to pay off your loan faster Ways to save while paying off debt

More support when you need it

What to do and where to go if you ever need more support.

Making a payment arrangement

If you need help managing repayments, we’re here to help.

Our Customer Solutions team is happy to work with you to agree a payment arrangement to help you manage your budget while getting back on top of your home loan.

To talk about your options, just call our customer solutions team on 1300 349 166. 

We know life isn’t always straightforward and you might need a hand from time to time, whether it’s for yourself or you’re helping someone else.

To find out more, check out our extra care and support page.

We understand that financial hardship can affect anyone, and for many different reasons. If you’re experiencing financial hardship, our financial support team may be able to help.

We can work with you to understand if a financial hardship arrangement may be suitable. Below are some of the arrangements we offer:

  • temporarily reducing your repayment amounts
  • pausing loan repayments
  • extending the loan term and/or reducing your interest rate
  • switching your loan repayments to interest only for a period of time
  • a long-term arrangement option to repay the balance.

For more details, next steps and a range of tips and resources, check out our financial hardship support page.

More info and inspo

For more tips and inspiration to help you look after your financial health – all in one helpful place – check out the articles and information at the ING Help Hub.

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