As of 18 September 2026, the ING Mortgage Simplifier's variable owner-occupier P&I variant has a comparison rate of 6.07% (6.04% advertised), ranking 10th of 107 variable owner-occupier P&I loans and sitting 0.69 points below the market average of 6.76%. The product comes in 20 variants; the others are investor, interest-only and other LVR bands.
6.07%comparison rate p.a.
6.04% advertised · Variable · P&I · Owner-occupier · 71–80% LVR
19 other variants: investor, interest-only and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 71–80% LVR- Mortgage Simplifier · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · 1–50% LVR
- 6.02% comparison · 5.99% advertised
- Variable · P&I · Owner-occupier · 51–60% LVR
- 6.02% comparison · 5.99% advertised
- Variable · P&I · Owner-occupier · 61–70% LVR
- 6.02% comparison · 5.99% advertised
- Variable · P&I · Owner-occupier · 71–80% LVR
- 6.07% comparison · 6.04% advertised
- Variable · P&I · Owner-occupier · 81–90% LVR
- 6.27% comparison · 6.24% advertised
- Variable · P&I · Owner-occupier · 91–95% LVR
- 6.72% comparison · 6.69% advertised
- Variable · Interest Only · Owner-occupier · 1–50% LVR
- 6.21% comparison · 6.44% advertised
- Variable · Interest Only · Owner-occupier · 51–60% LVR
- 6.21% comparison · 6.44% advertised
- Variable · Interest Only · Owner-occupier · 61–70% LVR
- 6.21% comparison · 6.44% advertised
- Variable · Interest Only · Owner-occupier · 71–80% LVR
- 6.24% comparison · 6.44% advertised
- Variable · P&I · Investor · 1–50% LVR
- 6.17% comparison · 6.14% advertised
- Variable · P&I · Investor · 51–60% LVR
- 6.17% comparison · 6.14% advertised
- Variable · P&I · Investor · 61–70% LVR
- 6.17% comparison · 6.14% advertised
- Variable · P&I · Investor · 71–80% LVR
- 6.22% comparison · 6.19% advertised
- Variable · P&I · Investor · 81–90% LVR
- 6.52% comparison · 6.49% advertised
- Variable · Interest Only · Investor · 1–50% LVR
- 6.25% comparison · 6.34% advertised
- Variable · Interest Only · Investor · 51–60% LVR
- 6.25% comparison · 6.34% advertised
- Variable · Interest Only · Investor · 61–70% LVR
- 6.25% comparison · 6.34% advertised
- Variable · Interest Only · Investor · 71–80% LVR
- 6.28% comparison · 6.34% advertised
- Variable · Interest Only · Investor · 81–90% LVR
- 6.58% comparison · 6.64% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $250
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $20,000
- Maximum loan
- $3,000,000
About this product
Low variable interest rate home loan with no ongoing monthly or annual fees.