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The question is why fix with ING? What are they giving you that no other lender can give you? Even if you fix 50% of the loan - you are still locking yourself in with that lender. A combo loan just allows you to utilise an offset linked to the variable portion.

One has a better chance of farting butterflies out of their backside than achieving a 15 day settlement with ING.

Very conservative servicing = they will not lend you nearly as much money as other lenders. Remember different lenders lend different amounts of money based on your income and liabilities. Lenders like ING and Bankwest are on the lower end of the spectrum and lenders like NAB and Macquarie...

ING and Fixing for 5 years are a suicidal combination - tread carefully. Ing have very conservative servicing and cash out. This can be painful if you decide to pull equity against the property within the next 5 years. I can't see all the details but I'm betting its a bad call.