Home loans · Side by side

ING Mortgage Simplifier vs ING Orange Advantage

Each loan at its rate for your choices.

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A month's repayment on $600,000 over 30 years, variable
$3,729
at 6.34% advertised
$3,769
at 6.44% advertised

ING Mortgage Simplifier's repayment is $39 lower a month than ING Orange Advantage's.

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Deposit

A 20% deposit until you say otherwise. Repayments at the advertised rate over 30 years; fees are on top.

INGMortgage Simplifier
INGOrange Advantage
The loan behind the rate
Mortgage Simplifier
Variable·P&I·Owner-occupier
Orange Advantage
Variable·P&I·Owner-occupier
Advertised rate
the rate you pay
6.34%
at LVR 71–80%
0.10 points lower · Lower advertised rate
6.44%
at LVR 71–80%

Comparison rates are based on a secured loan of $150,000 over 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.

Comparison rate
the rate with most fees in
6.37%
0.36 points lower · Lower comparison rate
6.73%
Fees a year
$0
no ongoing fee
$299 less · Lower fees a year
$299
$25 a month
Upfront fees
$350
to set it up
$350
to set it up
Discharge fee
$250
to pay it off and leave
$250
to pay it off and leave
Offset account
No
Yes
Redraw
Yes
Yes
Extra repayments
Yes
Yes
Most it lends
95%
of the property’s value
95%
of the property’s value

Every rate type

The lowest rate each side has for each, at your deposit, purpose and repayments.

Comparison rates are based on a secured loan of $150,000 over 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.

Variable
comparison rate
6.37%
0.36 points lower · Lower variable rate
6.73%
1 yr fixed
advertised rate
—
Not offered
—
Not offered
2 yr fixed
advertised rate
—
Not offered
—
Not offered
3 yr fixed
advertised rate
—
Not offered
—
Not offered
4 yr fixed
advertised rate
—
Not offered
—
Not offered
5 yr fixed
advertised rate
—
Not offered
—
Not offered

Rates over time

The advertised variable rate above, a cell a week. A move shows as ▲ or ▼ in the week it happened.

As of 26 October 2026, for an owner-occupier borrowing $600,000 with a 20% deposit, ING Mortgage Simplifier's lowest variable rate is 6.34% (comparison rate 6.37%); ING Orange Advantage's lowest variable rate is 6.44% (comparison rate 6.73%). Figures are the lenders' published rates through Open Banking, worked out on the loan above. Each row says which figure is lower; it doesn't say which loan suits you.

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