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Mortgage Simplifier

  1. Home
  2. Home loans
  3. Mortgage Simplifier

Mortgage Simplifier

The home loan complete with no monthly or annual fees

Start application

or Call 1800 100 258 now to apply

Mortgage Simplifier

A low variable interest rate home loan with no ongoing monthly or annual fees.

Features

Why apply for a Mortgage Simplifier?

  • Your money, your way

    Make extra repayments for free, redraw your money, pay bills with available funds via BPAY® and more.

  • Pay no ongoing fees

    With no monthly, annual or transaction fees, you could pay off your loan faster.

  • Interest rate discounts

    Available for owner occupier borrowers when borrowing $150,000 or more. Further discounts may apply if borrowing up to 90% of the property’s value.

  • Save on the everyday

    Just add Orange Everyday to your home loan, and you’ll get free ATMs across Australia, a rebate on fees from any ATM worldwide within 5 business days, and we’ll also rebate our ING international transaction fees.

  • Tools and dedicated support when needed

    Online tools and home loan specialists that can help you every step of the way.

Important information
Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start now
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Start application
Rates and fees

Interest rates

You could pay off your home loan sooner with our low rates and life-of-loan discounts.

Total Borrowing $150,000 or less
LVR (including any LMI applicable)
Interest rate
Comparison rate

Owner occupiers - Principal + Interest

If your total borrowings are less than $150,000

Owner occupiers - Interest only

If your total borrowings are less than $150,000

LVR (including any LMI applicable)
Interest rate
Comparison rate

Investors - Principal + Interest

If your total borrowings are less than $150,000

Investors - Interest only

If your total borrowings are less than $150,000

Compare all our home loans
Total Borrowing $150,000 to $500,000
LVR (including any LMI applicable)
Interest rate
Comparison rate

Owner occupiers - Principal + Interest

LVR is 80% or less

LVR is above 80% and less than or equal to 90%

LVR is more than 90%

Owner occupiers - Interest only

LVR is 80% or less

LVR (including any LMI applicable)
Interest rate
Comparison rate

Investors - Principal + Interest

LVR is 80% or less

Investors - Interest only

LVR is 80% or less

Interest rate discounts for LVR 90% or less are available only for new borrowing and new to ING Security

Compare all our home loans
Total Borrowing $500,000 to $1,000,000
LVR (including any LMI applicable)
Interest rate
Comparison rate

Owner occupiers - Principal + Interest

LVR is 80% or less

LVR is above 80% and less than or equal to 90%

LVR is more than 90%

Owner occupiers - Interest only

LVR is 80% or less

LVR (including any LMI applicable)
Interest rate
Comparison rate

Investors - Principal + Interest

LVR is 80% or less

Investors - Interest only

LVR is 80% or less

Interest rate discounts for LVR 90% or less are available only for new borrowing and new to ING Security

Compare all our home loans
Total Borrowing $1,000,000 or more
LVR (including any LMI applicable)
Interest rate
Comparison rate

Owner occupiers - Principal + Interest

LVR is 80% or less

LVR is above 80% and less than or equal to 90%

LVR is more than 90%

Owner occupiers - Interest only

LVR is 80% or less

LVR (including any LMI applicable)
Interest rate
Comparison rate

Investors - Principal + Interest

LVR is 80% or less

Investors - Interest only

LVR is 80% or less

Interest rate discounts for LVR 90% or less are available only for new borrowing and new to ING Security

Compare all our home loans
Fees and charges

Pay no monthly, annual or ongoing transaction fees.

Pre-settlement fees and charges

Post-settlement fees and charges
Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start now
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Start application
How to get started

Applying for a home loan

1. Starting out

It only takes 10 minutes to get started online, or you can call 1800 100 258 to speak with a home loan specialist.

2. Staying informed

As your application progresses, we keep you updated via online tracking, SMS and email.

3. Getting a hand

For questions and help, our home loan specialists are here for you from application to settlement.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start now
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Start application
Tools and calculators

Your home loan resources kit

In planning mode? Use these tools and calculators to help you.

Tips, hints and guides

Forms

Calculators

Tips, hints and guides

Which ING home loan is for me?

Financial Hardship Relief Guide

Home loan terms and conditions

Increasing your loan

What's the right home loan for me?

Compare types of mortgages

Deposit and upfront costs for your home loan

Tips for buying at auction

 View all

Forms

Home loan application form

Change of personal details

Loan Account Instructions Form (Personal)

Property buyer checklist

 View all

Calculators

Borrowing power calculator

Home loan repayment

Extra repayment

Property buying cost

Stamp duty

Offset calculator

 View all
FAQs

Got a question about Mortgage Simplifier?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all home loans FAQs.

We've made our mobile banking app so easy to use, you won't even have to think. Try it now and change the way you bank.

Find out how much you could borrow. In only two minutes you could have an obligation-free indication of your borrowing power.
Start now
Start your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).
Start application