How can we help?
Popular searches
back to results
Related Questions
Need help?

If you don't find your answer here, get in touch with our Australia-based customer care specialists.

133 464

Mortgage Simplifier

  1. Home
  2. Home loans
  3. Mortgage Simplifier

Mortgage Simplifier

Get started

The home loan complete with no monthly or annual fees

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.

  • Everyday round up for home loans

    Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Mortgage Simplifier or Orange Advantage home loan.

  • Save on the everyday

    Just add Orange Everyday to your home loan, and you could save on fees with 1% cashback on eligible utility bills (T&Cs apply) and $0 ING international transaction fees when you shop online and overseas.

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).
Get started
Rates and fees

Mortgage Interest rates

You could pay off your home loan sooner with our low rates.

Total Borrowings from $50,000 to $149,999
Total Borrowings from $150,000 to $499,999
Total Borrowings from $500,000 to $999,999
LVR (including any LMI applicable)
Interest rate
Comparison rate

Owner occupiers - Principal + Interest

LVR is 80% or less

LVR Is 80.01% to 90%

LVR is 90.01% to 95%

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

LVR is 80.01% to 90%

Investors - Interest only

LVR is 80% or less

LVR is 80.01% to 90%

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new property and borrowings with ING.
All rates and information are correct at time of publication and are subject to change.
Comparison rate: The comparison rate is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Total borrowings: Includes the total amount borrowed per application.

Compare all our home loans
Total Borrowings from $1,000,000 or more

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).
Get started
How to apply

How to apply 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).
Get started
Tools and calculators

Your home loan calculators and guides

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

Tips, hints and guides

Forms

Calculators

Tips, hints and guides

First home buyers guide

Which ING home loan is for me?

Request Financial Support

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

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

Home loan refinance calculator

 View all
Why set up house with ING

Why should i get a home loan with ING?

Australia's most recommended bank

Proudly and continuously ranked as Australia's most recommended bank.

Save on the everyday

Just add Orange Everyday to your home loan, and you could save on fees with 1% cashback on eligible utility bills (T&Cs apply) and $0 ING international transaction fees when you shop online and overseas.

ING Everyday Round Upfor home loans

Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Mortgage Simplifier or Orange Advantage home loan.

Home & Contents insurance

Breathe easier and save 30% on your first year’s premium when you purchase a combined Home and Contents Insurance policy online. T&Cs apply - see disclaimer.

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.
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).
Get started