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To access your equity you'd simply increase the variable portion, or set up a third split loan. Let me reiterate that ING is a conservative lender, they're going to stop you accessing equity long before many other lenders would. By fixing your loan you effectively lock yourself to them.

These terms suggest that the application has already been submitted, reviewed and conditionally approved for an off the plan purchase. If you're starting from scratch 15 days before settlement, you're in trouble.

I'm not going to say that it can't be done, but generally you'll likely get the approval within 1-2 weeks with most lenders. From application to settlement in less than 30 days is asking for trouble.

I've covered why ING and long term fixed rates can be a dangerous combination in my previous post, quoted here. Fixed rates are fine if you want set and forget and you're absolutely certain that you won't need to do anything finance related to that property. If there's any chance that you...

These are very easy question to answer if the broker understands your needs and goals. For what it's worth, your brief is product related, not goal related. A simple, "What's next," type question would bring this out however. Advantage: Fixed rates are a great tool for locking in your cash...