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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.

  • 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’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.

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

Interest rates

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

Total Borrowing $150,000 or less
Total Borrowing $150,000 to $500,000
Total Borrowing $500,000 to $1,000,000
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

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

The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new ING security property and borrowings. All rates and information are correct at time of publication and are subject to change.

Total Borrowing $1,000,000 or more
Fees and charges

Pay no monthly, annual or ongoing transaction fees.

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

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 your application online or call us on 1800 100 258, 8am-8pm Mon-Fri and 9am-5pm Sat (AEST/AEDT).