Home loan · Variable
Mortgage Simplifier
6.37%comparison rate p.a. · 6.34% advertised
Variable · P&I · Owner-occupier · 71–80% LVR
26th of 93 variable owner-occupier P&I loans
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.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
Often compared with: ING Orange Advantage · Macquarie · ubank
- Variable · P&I · Owner-occupier · 1–50% LVR
- 6.32% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 51–60% LVR
- 6.32% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 61–70% LVR
- 6.32% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 71–80% LVR
- 6.37% comparison · 6.34% advertised
- Variable · P&I · Owner-occupier · 81–90% LVR
- 6.52% comparison · 6.49% advertised
- Variable · P&I · Owner-occupier · 91–95% LVR
- 6.97% comparison · 6.94% advertised
- Variable · Interest Only · Owner-occupier · 1–50% LVR
- 6.49% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · 51–60% LVR
- 6.49% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · 61–70% LVR
- 6.49% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · 71–80% LVR
- 6.52% comparison · 6.69% advertised
- Variable · P&I · Investor · 1–50% LVR
- 6.42% comparison · 6.39% advertised
- Variable · P&I · Investor · 51–60% LVR
- 6.42% comparison · 6.39% advertised
- Variable · P&I · Investor · 61–70% LVR
- 6.42% comparison · 6.39% advertised
- Variable · P&I · Investor · 71–80% LVR
- 6.47% comparison · 6.44% advertised
- Variable · P&I · Investor · 81–90% LVR
- 6.77% comparison · 6.74% advertised
- Variable · Interest Only · Investor · 1–50% LVR
- 6.50% comparison · 6.59% advertised
- Variable · Interest Only · Investor · 51–60% LVR
- 6.50% comparison · 6.59% advertised
- Variable · Interest Only · Investor · 61–70% LVR
- 6.50% comparison · 6.59% advertised
- Variable · Interest Only · Investor · 71–80% LVR
- 6.53% comparison · 6.59% advertised
- Variable · Interest Only · Investor · 81–90% LVR
- 6.83% comparison · 6.89% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Maximum loan
- $3,000,000
- Mortgage Simplifier · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
October 20261 change
- 9Fri
- 20 variants up 0.25 to 0.289 days after the RBA rise to 4.60%+0.25 to +0.28All Variable
P&I · Owner-occupier · 1–50% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · 51–60% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · 61–70% LVR 6.07 6.32 +0.25 P&I · Owner-occupier · 71–80% LVR 6.12 6.37 +0.25 P&I · Owner-occupier · 81–90% LVR 6.27 6.52 +0.25 P&I · Owner-occupier · 91–95% LVR 6.72 6.97 +0.25 Interest Only · Owner-occupier · 1–50% LVR 6.21 6.49 +0.28 Interest Only · Owner-occupier · 51–60% LVR 6.21 6.49 +0.28 Interest Only · Owner-occupier · 61–70% LVR 6.21 6.49 +0.28 Interest Only · Owner-occupier · 71–80% LVR 6.24 6.52 +0.28 P&I · Investor · 1–50% LVR 6.17 6.42 +0.25 P&I · Investor · 51–60% LVR 6.17 6.42 +0.25 P&I · Investor · 61–70% LVR 6.17 6.42 +0.25 P&I · Investor · 71–80% LVR 6.22 6.47 +0.25 P&I · Investor · 81–90% LVR 6.52 6.77 +0.25 Interest Only · Investor · 1–50% LVR 6.25 6.50 +0.25 Interest Only · Investor · 51–60% LVR 6.25 6.50 +0.25 Interest Only · Investor · 61–70% LVR 6.25 6.50 +0.25 Interest Only · Investor · 71–80% LVR 6.28 6.53 +0.25 Interest Only · Investor · 81–90% LVR 6.58 6.83 +0.25
September 20261 change
- 23Wed
- 4 variants up 0.05+0.05All Variable · P&I · Owner-occupier
1–50% LVR 6.02 6.07 +0.05 51–60% LVR 6.02 6.07 +0.05 61–70% LVR 6.02 6.07 +0.05 71–80% LVR 6.07 6.12 +0.05
Low variable interest rate home loan with no ongoing monthly or annual fees.
Also from ING: Fixed Rate Loan 6.37% · Orange Advantage 6.73%
As of 2 November 2026, the ING Mortgage Simplifier's variable owner-occupier P&I variant has a comparison rate of 6.37% (6.34% advertised), ranking 26th of 93 variable owner-occupier P&I loans and sitting 0.21 points below the market average of 6.58%. The product comes in 20 variants; the others are investor, interest-only and other LVR bands. Its rate last moved on 9 October 2026, 9 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.