ING Mortgage Simplifier

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $149,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $149,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 and $999,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $1,000,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $499,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $500,000 and $999,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $1,000,000 and $2,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $149,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $50,000 and $149,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $2,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $150,000 and $2,000,000 with an LVR below 80%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $50,000 $149,999

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $50,000 $149,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $499,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $500,000 $999,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $1,000,000 $2,000,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $499,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $500,000 $999,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $1,000,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $2,000,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $150,000 $2,000,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $149,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $50,000 $149,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $2,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $2,000,000

4.70% p.a.

4.72% p.a.

$0.00

ING Mortgage Simplifier

4.70% p.a.

4.72% p.a.

$0.00

5.05% p.a.

5.07% p.a.

$0.00

ING Mortgage Simplifier

5.05% p.a.

5.07% p.a.

$0.00

3.73% p.a.

3.76% p.a.

$0.00

ING Mortgage Simplifier

3.73% p.a.

3.76% p.a.

$0.00

3.73% p.a.

3.76% p.a.

$0.00

ING Mortgage Simplifier

3.73% p.a.

3.76% p.a.

$0.00

3.69% p.a.

3.72% p.a.

$0.00

ING Mortgage Simplifier

3.69% p.a.

3.72% p.a.

$0.00

4.13% p.a.

4.15% p.a.

$0.00

ING Mortgage Simplifier

4.13% p.a.

4.15% p.a.

$0.00

4.13% p.a.

4.15% p.a.

$0.00

ING Mortgage Simplifier

4.13% p.a.

4.15% p.a.

$0.00

4.09% p.a.

4.11% p.a.

$0.00

ING Mortgage Simplifier

4.09% p.a.

4.11% p.a.

$0.00

3.83% p.a.

3.85% p.a.

$0.00

ING Mortgage Simplifier

3.83% p.a.

3.85% p.a.

$0.00

4.03% p.a.

4.05% p.a.

$0.00

ING Mortgage Simplifier

4.03% p.a.

4.05% p.a.

$0.00

4.95% p.a.

4.97% p.a.

$0.00

ING Mortgage Simplifier

4.95% p.a.

4.97% p.a.

$0.00

5.30% p.a.

5.32% p.a.

$0.00

ING Mortgage Simplifier

5.30% p.a.

5.32% p.a.

$0.00

4.14% p.a.

4.16% p.a.

$0.00

ING Mortgage Simplifier

4.14% p.a.

4.16% p.a.

$0.00

4.44% p.a.

4.46% p.a.

$0.00

ING Mortgage Simplifier

4.44% p.a.

4.46% p.a.

$0.00

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.70% p.a.

  • n/a

  • 0 Months

  • none

  • 4.72% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $50,000

  • $149,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.05% p.a.

  • n/a

  • 0 Months

  • none

  • 5.07% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $50,000

  • $149,999

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 3.73% p.a.

  • n/a

  • 0 Months

  • none

  • 3.76% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 3.73% p.a.

  • n/a

  • 0 Months

  • none

  • 3.76% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $500,000

  • $999,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 3.69% p.a.

  • n/a

  • 0 Months

  • none

  • 3.72% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $1,000,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.13% p.a.

  • n/a

  • 0 Months

  • none

  • 4.15% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $499,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.13% p.a.

  • n/a

  • 0 Months

  • none

  • 4.15% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $500,000

  • $999,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.09% p.a.

  • n/a

  • 0 Months

  • none

  • 4.11% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $1,000,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 3.83% p.a.

  • n/a

  • 0 Months

  • none

  • 3.85% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $2,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.03% p.a.

  • n/a

  • 0 Months

  • none

  • 4.05% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $2,000,000

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.95% p.a.

  • n/a

  • 0 Months

  • none

  • 4.97% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $50,000

  • $149,999

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.30% p.a.

  • n/a

  • 0 Months

  • none

  • 5.32% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $50,000

  • $149,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.14% p.a.

  • n/a

  • 0 Months

  • none

  • 4.16% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.44% p.a.

  • n/a

  • 0 Months

  • none

  • 4.46% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • none

  • none

  • $299.00

  • none

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $2,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • none

Customer Reviews

How are ING home loans rated by the Mozo community?

Overall customer rating
7.9/10

Based on 676 ING home loan reviews

Price
7.7/10
Features
7.1/10
Customer service
7.7/10
Convenience
7.2/10
Trust
7.8/10

Latest reviews of ING Mortgage Simplifier

  • Overall
    8/10
    Highly recommend ING Direct for mortgages

    I've been with ING Direct for many years now, and have been very pleased with them and would also...

    I've been with ING Direct for many years now, and have been very pleased with them and would also recommend them to my family and friends.

    Price
    10/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Donna | New South Wales

    reviewed about 1 year ago

  • Overall
    7/10
    Need to improve their application process

    Although they promise fast responses, dealing with applications can be tiresome. Once a loan is...

    Although they promise fast responses, dealing with applications can be tiresome. Once a loan is set up this bank is great but if you want to refinance it is a long drawn out process even for existing customers.

    Price
    5/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Anita | Tasmania

    reviewed over 1 year ago

  • Overall
    10/10
    Great customer service

    Staff are friendly and knowledgeable. Internet banking is also easy to use. Their call centre is...

    Staff are friendly and knowledgeable. Internet banking is also easy to use. Their call centre is located in Australia which is very important for me due to convenience.

    Price
    6/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Charmaine | Queensland

    reviewed over 1 year ago

  • Overall
    8/10
    Easy to use and understand where you are.

    Can only be used online. Great redraw system that can be used from a mobile app. Redraw can be...

    Can only be used online. Great redraw system that can be used from a mobile app. Redraw can be used to pay bills or transfer funds. I have found all fund transfers available the next working day.

    Price
    7/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    8/10

    Ian | New South Wales

    reviewed over 2 years ago

  • Overall
    9/10
    Simple, Easy to deal with & great customer service

    Got a competitive rate with ING for home loan. Dealt with them over the phone a few times and...

    Got a competitive rate with ING for home loan. Dealt with them over the phone a few times and everytime they have been really helpful and easy to deal with. No frustrations.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    4/10
    Trust
    9/10

    Jason | Tasmania

    reviewed over 2 years ago

ING

About ING

ING is part of the ING Group, one of the world's largest financial institutions, but it isn't like other banks. ING pioneered branch-less banking in Australia, getting rid of branches and passing on the savings to customers in the form of better rates and lower fees. From high interest savings accounts and term deposits to low rate home loans, ING aims to keep your banking simple.

See ING home loans

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.