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ING Mortgage Simplifier

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 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 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 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 interest only loan between $150,000 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 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 this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $999,999

  • Owner Occupier (Principal & Interest)

    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

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $50,000 $149,999

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $50,000 $149,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $999,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $1,000,000 $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

Rate
2.49% p.a.
Comparison Rate
2.52% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
2.45% p.a.
Comparison Rate
2.48% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
2.59% p.a.
Comparison Rate
2.62% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
2.89% p.a.
Comparison Rate
2.92% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
3.92% p.a.
Comparison Rate
3.94% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
4.45% p.a.
Comparison Rate
4.47% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
3.54% p.a.
Comparison Rate
3.57% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
3.50% p.a.
Comparison Rate
3.53% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
4.00% p.a.
Comparison Rate
4.02% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
4.45% p.a.
Comparison Rate
4.47% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
2.69% p.a.
Comparison Rate
2.72% p.a.
Service fee
$0.00
Upfront fee
$299
Rate
3.09% p.a.
Comparison Rate
3.12% p.a.
Service fee
$0.00
Upfront fee
$299

Mozo editorial review ING Mortgage Simplifier

Last updated: 23 October 2020.

binocular icon
What's hot
  • Rates from 2.45% p.a. interest rate (2.48% p.a. comparison rate*)
  • No service or application fees
  • Free extra repayments and redraw facility
What's not
  • No offset facility
Mozo snapshot

On the prowl for a low cost home loan with some nifty features? ING’s Mortgage Simplifier has competitive interest rates starting from 2.45% p.a. (2.48% comparison rate*) for loans over $1 million, with no monthly or annual service fees and no upfront application fee. Combine this with the home loan’s free extra repayments and redraw facility and you’ve got yourself a nice blend of low rates and flexibility. 

key icon
Key features

Whether you’re an owner occupier or investor, the ING Mortgage Simplifier has pretty low variable interest rates. For owner occupiers, loans from $150,000 and under $1 million start from 2.49% p.a. (2.52% comparison rate*) while those over $1 million start at 2.45% (2.48% comparison rate*). For investors, loans from $150,000 to $2 million start from 2.69% (2.72% comparison rate*).

You can borrow from $50,000 up to $2 million, and the amount you borrow, as well as your LVR will determine the interest rate you get.

The loan is available to owner occupiers with an LVR up to 90% (which means a 10% deposit) and investors with an LVR up to 80% (a 20% deposit), but don’t forget if you have less than a 20% deposit (an LVR higher than 80%), you'll need to budget for Lenders Mortgage Insurance.

An innovative feature that comes with the Mortgage Simplifier is its everyday round up for home loans. Linking your Orange Everyday Account to your home loan means you’ll get free ATM access Australia-wide. Plus, you can also round up ING Orange Everyday Card purchases to the nearest $1 or $5 and then the difference is paid from your Orange Everyday account to help pay down your mortgage. Another feature is the option to have a split account between fixed and variable rates, but take note that the Mortgage Simplifier doesn’t come with an offset account.

You can also have flexibility in choosing between fortnightly or monthly repayments. Plus, if you’re looking to pay your loan off quicker you can make additional payments through the extra repayments facility for free and if it comes down to it, you can access those funds again through the redraw facility (minimum redraw amount for as little as $1).

There’s also no application, valuation, legal or service fees, although you will need to keep an eye out for the $299 settlement and $250 discharge fee.


snapshot
Who is it good for

If you're already an ING customer, you'll get the benefit of their sweep tool, so even though it’s a great deal for anyone it's particularly great for existing ING customers

question icon
Any catches

Although it’s not a dealbreaker, if you are on the hunt for a home loan with an offset account, that’s one significant feature missing from this loan.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.52% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $999,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.45% p.a.

  • n/a

  • n/a

  • n/a

  • 2.48% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.59% p.a.

  • n/a

  • n/a

  • n/a

  • 2.62% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.89% p.a.

  • n/a

  • n/a

  • n/a

  • 2.92% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.92% p.a.

  • n/a

  • n/a

  • n/a

  • 3.94% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.45% p.a.

  • n/a

  • n/a

  • n/a

  • 4.47% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.54% p.a.

  • n/a

  • n/a

  • n/a

  • 3.57% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $999,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Fortnightly, Monthly

  • yes - free

  • none

  • yes

  • $1.00

  • yes

  • no

  • none

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.50% p.a.

  • n/a

  • n/a

  • n/a

  • 3.53% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.00% p.a.

  • n/a

  • n/a

  • n/a

  • 4.02% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.45% p.a.

  • n/a

  • n/a

  • n/a

  • 4.47% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.69% p.a.

  • n/a

  • n/a

  • n/a

  • 2.72% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Details

Rates and fees information correct as at 21 January 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.09% p.a.

  • n/a

  • n/a

  • n/a

  • 3.12% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $299.00

  • n/a

  • $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

  • Everyday round up available, a feature that automatically rounds purchases made on INGs Orange Everyday transaction account to the nearest $1 or $5 and transfers the difference against your loan balance.

  • none

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.

Customer Reviews

How are ING home loans rated by the Mozo community?

Overall
7.8/10

Based on 741 ING home loan reviews

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

Latest reviews of ING Mortgage Simplifier

  • Overall 9/10
    Fantastic Customer Service and Products

    I was initially concerned by not having the ability to go into a Branch due to ING not having any physical branches; however their online and phone customer service is on par if not better than other banks I have dealt with at the Branch level.

    Read full review

    I was initially concerned by not having the ability to go into a Branch due to ING not having any physical branches; however their online and phone customer service is on par if not better than other banks I have dealt with at the Branch level.

    Price
    8/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Tim, South Australia reviewed 2 days ago
  • Overall 4/10
    Generally very good

    When I asked for a rate reduction, I was given this but it was very small. I would have got a better deal if I refinanced.

    Read full review

    When I asked for a rate reduction, I was given this but it was very small. I would have got a better deal if I refinanced.

    Price
    5/10
    Features
    2/10
    Customer service
    7/10
    Convenience
    -1/10
    Trust
    5/10
    Less
    Celeste, New South Wales reviewed 6 months ago
  • Overall 10/10
    Fee free, friendly and fun.

    I have all my accounts in one and ING are fee free. Love it.

    Read full review

    I have all my accounts in one and ING are fee free. Love it.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Claire, Queensland reviewed 6 months ago
  • Overall 7/10
    Were ahead of the curve, now just average

    They used to be very competitive about five years ago - similar interest rate at the time to the basic loans from the big four, but much better features. Now, the rest of the industry has caught up and done so with a lower interest rate.

    Read full review

    They used to be very competitive about five years ago - similar interest rate at the time to the basic loans from the big four, but much better features. Now, the rest of the industry has caught up and done so with a lower interest rate.

    Price
    4/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    -1/10
    Trust
    7/10
    Less
    Ashley, Queensland reviewed 8 months ago
  • Overall 6/10
    OK overall, but competitiveness is falling

    Overall useful service, but competitiveness has dropped year over year. I feel like there's always something being taken away, or an interest rate cut not passed on in full. I have discussed leaving, and they can't match the competition, but have high fees for me to leave.

    Read full review

    Overall useful service, but competitiveness has dropped year over year. I feel like there's always something being taken away, or an interest rate cut not passed on in full. I have discussed leaving, and they can't match the competition, but have high fees for me to leave.

    Price
    7/10
    Features
    6/10
    Customer service
    5/10
    Convenience
    7/10
    Trust
    4/10
    Less
    Alex, Queensland reviewed 9 months ago
Thumbnail icon for 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

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a. variable

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.19% p.a.

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Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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86 400

Neat Home Loan

2.19% p.a. variable

2.20% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.90% p.a.

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Well Home Loans

Well Balanced

2.17% p.a. variable

2.20% p.a.

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loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

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Macquarie

Basic Home Loan

2.64% p.a.

2.64% p.a.

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

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Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

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People's Choice Credit Union

Basic Variable Home Loan

2.49% p.a.

2.49% p.a.

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Suncorp

Back to Basics

2.54% p.a.

2.55% p.a.

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loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

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UBank

UHomeLoan (Fixed)

1.95% p.a.
fixed 3 years

2.27% p.a.

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Virgin Money

Reward Me Fixed Rate Home Loan

2.04% p.a.
fixed 3 years

2.73% p.a.

Thumbnail icon for People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

1.99% p.a.
fixed 3 years

3.64% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

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Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

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Bank of Queensland

Fixed Rate

2.09% p.a.
fixed 3 years

3.01% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

2.19% p.a.
fixed 3 years

3.03% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

$0.00

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

$0.00

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Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.19% p.a.

$0.00

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

$0.00

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Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

$0.00

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Yard

Variable Home Loan Special

2.09% p.a.

2.12% p.a.

$0.00

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GMCU

Basic Variable

2.33% p.a.variable for 24 months and then 3.82% p.a.

3.71% p.a.

$8.00 monthly

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Athena

AcceleRATES Variable Home Loan

2.29% p.a.

2.23% p.a.

$0.00

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.