ING Mortgage Simplifier

This product is available in different versions. Pick the right version for you here.

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 this 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

4.32% p.a.

4.34% p.a.

$0.00

ING Mortgage Simplifier

4.32% p.a.

4.34% p.a.

$0.00

4.85% p.a.

4.87% p.a.

$0.00

ING Mortgage Simplifier

4.85% p.a.

4.87% p.a.

$0.00

3.18% p.a.

3.21% p.a.

$0.00

ING Mortgage Simplifier

3.18% p.a.

3.21% p.a.

$0.00

3.18% p.a.

3.21% p.a.

$0.00

ING Mortgage Simplifier

3.18% p.a.

3.21% p.a.

$0.00

3.14% p.a.

3.17% p.a.

$0.00

ING Mortgage Simplifier

3.14% p.a.

3.17% p.a.

$0.00

3.94% p.a.

3.96% p.a.

$0.00

ING Mortgage Simplifier

3.94% p.a.

3.96% p.a.

$0.00

3.94% p.a.

3.96% p.a.

$0.00

ING Mortgage Simplifier

3.94% p.a.

3.96% p.a.

$0.00

3.90% p.a.

3.92% p.a.

$0.00

ING Mortgage Simplifier

3.90% p.a.

3.92% p.a.

$0.00

3.28% p.a.

3.31% p.a.

$0.00

ING Mortgage Simplifier

3.28% p.a.

3.31% p.a.

$0.00

3.48% p.a.

3.51% p.a.

$0.00

ING Mortgage Simplifier

3.48% p.a.

3.51% p.a.

$0.00

4.40% p.a.

4.42% p.a.

$0.00

ING Mortgage Simplifier

4.40% p.a.

4.42% p.a.

$0.00

4.85% p.a.

4.87% p.a.

$0.00

ING Mortgage Simplifier

4.85% p.a.

4.87% p.a.

$0.00

3.59% p.a.

3.62% p.a.

$0.00

ING Mortgage Simplifier

3.59% p.a.

3.62% p.a.

$0.00

3.99% p.a.

4.01% p.a.

$0.00

ING Mortgage Simplifier

3.99% p.a.

4.01% p.a.

$0.00

Mozo Review   ING Mortgage Simplifier Review

Last updated: 18 July 2019.

What's hot:
  • Low owner-occupier rates starting from 3.59% (3.62% 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 3.14% (3.17% comparison rate*) for owner-occupiers and 3.59% (3.62% comparison rate*) for investors 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 features:

Whether you’re an owner occupier or investor, the ING Mortgage Simplifier has low variable interest rates starting from 3.14% (3.17% comparison rate*) for owner occupiers and 3.59% (3.62% comparison rate*) for investors. 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 95% (which means a 5% 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.

Who it's 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

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 24 August 2019. 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
  • 4.32% p.a.

  • n/a

  • n/a

  • n/a

  • 4.34% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 4.85% p.a.

  • n/a

  • n/a

  • n/a

  • 4.87% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 3.18% p.a.

  • n/a

  • n/a

  • n/a

  • 3.21% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $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

  • 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 24 August 2019. 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
  • 3.18% p.a.

  • n/a

  • n/a

  • n/a

  • 3.21% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $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

  • 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 24 August 2019. 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
  • 3.14% p.a.

  • n/a

  • n/a

  • n/a

  • 3.17% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 3.94% p.a.

  • n/a

  • n/a

  • n/a

  • 3.96% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $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

  • 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 24 August 2019. 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
  • 3.94% p.a.

  • n/a

  • n/a

  • n/a

  • 3.96% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $299.00

  • n/a

  • $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

  • 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 24 August 2019. 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
  • 3.90% p.a.

  • n/a

  • n/a

  • n/a

  • 3.92% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 3.28% p.a.

  • n/a

  • n/a

  • n/a

  • 3.31% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 3.48% p.a.

  • n/a

  • n/a

  • n/a

  • 3.51% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 4.40% p.a.

  • n/a

  • n/a

  • n/a

  • 4.42% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 4.85% p.a.

  • n/a

  • n/a

  • n/a

  • 4.87% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 3.59% p.a.

  • n/a

  • n/a

  • n/a

  • 3.62% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 24 August 2019. 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
  • 3.99% p.a.

  • n/a

  • n/a

  • n/a

  • 4.01% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • n/a

  • n/a

  • $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 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 2 years 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 2 years 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 2 years 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 3 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 3 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

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Smart Home Loan

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3.05% p.a.

$520

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UHomeLoan - Discount Offer

3.09% p.a. variable

3.09% p.a.

$0

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Athena

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Variable Home Loan

3.09% p.a. variable

3.05% p.a.

$0

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ANZ

ANZ

Simplicity PLUS

3.38% p.a. variable

3.42% p.a.

$0

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ME

ME

Flexible Home Loan (Member Package)

3.39% p.a. variable

3.83% p.a.

$200

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Suncorp

Back to Basics

3.29% p.a. variable

3.30% p.a.

$0

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HSBC

Home Value Loan

3.27% p.a. variable

3.28% p.a.

$150

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Homestar

Homestar

Star Essentials Home Loan

2.99% p.a. variable

3.02% p.a.

$596

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Smart Home Loan

3.03% p.a.

3.05% p.a.

$520

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UHomeLoan - Discount Offer

3.09% p.a.

3.09% p.a.

$0

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ANZ

ANZ

Simplicity PLUS

3.38% p.a.

3.42% p.a.

$0

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Athena

Athena

Variable Home Loan

3.09% p.a.

3.05% p.a.

$0

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Homestar

Homestar

Star Essentials Home Loan

2.99% p.a.

3.02% p.a.

$596

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Bank of Queensland

Bank of Queensland

2 Year Intro Rate Variable Home Loan

3.39% p.a.variable for 24 months and then 3.86% p.a.

3.91% p.a.

$150

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HSBC

HSBC

Home Value Loan

3.27% p.a.

3.28% p.a.

$150

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Suncorp

Suncorp

Back to Basics

3.29% p.a.

3.30% p.a.

$0

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Bank of Queensland

Bank of Queensland

Fixed Rate

2.99% p.a.
fixed 3 years

4.09% p.a.

$450

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UBank

UHomeLoan (Fixed)

2.99% p.a.
fixed 3 years

3.45% p.a.

$395

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IMB Bank

IMB Bank

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.51% p.a.

$799

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Fixed Home Loan

3.19% p.a.
fixed 3 years

3.43% p.a.

$520

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Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

3.24% p.a.
fixed 3 years

4.15% p.a.

$0

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UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

$395

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Bank of Queensland

Bank of Queensland

Fixed Rate

3.19% p.a.
fixed 3 years

4.14% p.a.

$450

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Smart Loan Fixed (Package)

3.19% p.a.
fixed 3 years

3.63% p.a.

$520

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Smart Home Loan

3.03% p.a.

3.05% p.a.

$0.00

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UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a.

3.09% p.a.

$0.00

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Athena

Athena

Variable Home Loan

3.09% p.a.

3.05% p.a.

$0.00

Promoted

ANZ

ANZ

Simplicity PLUS

3.38% p.a.

3.42% p.a.

$0.00

Promoted

ME

ME

Flexible Home Loan (Member Package)

3.39% p.a.

3.83% p.a.

$395.00 yearly

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Suncorp

Suncorp

Back to Basics

3.29% p.a.

3.30% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

3.27% p.a.

3.28% p.a.

$0.00

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.99% p.a.

3.02% 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.