RBA Cash Rate: 3.60% · 1AUD = 0.66 USD · Inflation: 2.1%

Leading Digital Marketing Experts | 1300 235 433 | Aggregation Enquires Welcome | Book Appointment

Example Interest Rates: Home Loan Variable: 4.99% (4.99%*) • Home Loan Fixed: 4.79% (5.47%*) • Fixed: 4.79% (5.47%*) • Variable: 4.99% (4.99%*) • Investment IO: 4.99% (5.81%*) • Investment PI: 4.89% (5.26%*)

Product Library

HOME [ FRONT PAGE ]

RESOURCES LIBRARY

PROPERTY REPORTS

RATES FROM 4.79% (5.47%^*)

Mortgage Simplifier

Low variable interest rate home loan with no ongoing monthly or annual fees.

Category: Home Loans Last Updated August 25, 2025 Effective May 21, 2000

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information Owner occupier - Principal & Interest.

Interest Rate
5.39% PA

Comparison Rate
5.42%PA*

Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions..

5.39% (5.42%*), LOAN TO VALUE RATIO, 51% - 60% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.39%, Comparison Rate 5.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.39% (5.42%*), TOTAL BORROWING, $150000.00 - $ OO P&I

Lending Rate Type: Variable
Interest Rate: 5.39%, Comparison Rate 5.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.39% (5.42%*), LOAN TO VALUE RATIO, 61% - 70% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.39%, Comparison Rate 5.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.39% (5.42%*), TOTAL BORROWING, $150000.00 - $ OO P&I

Lending Rate Type: Variable
Interest Rate: 5.39%, Comparison Rate 5.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.39% (5.42%*), TOTAL BORROWING, $150000.00 - $ OO P&I

Lending Rate Type: Variable
Interest Rate: 5.39%, Comparison Rate 5.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.39% (5.42%*), LOAN TO VALUE RATIO, 71% - 80% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.39%, Comparison Rate 5.42%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.59% (5.62%*), TOTAL BORROWING, $150000.00 - $ OO P&I

Lending Rate Type: Variable
Interest Rate: 5.59%, Comparison Rate 5.62%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.59% (5.62%*), LOAN TO VALUE RATIO, 81% - 90% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.59%, Comparison Rate 5.62%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.94% (5.97%*), LOAN TO VALUE RATIO, 91% - 95% OO P&I

Lending Rate Type: Variable
Interest Rate: 5.94%, Comparison Rate 5.97%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.94% (5.97%*), TOTAL BORROWING, $150000.00 - $ OO P&I

Lending Rate Type: Variable
Interest Rate: 5.94%, Comparison Rate 5.97%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

5.79% (5.58%*), TOTAL BORROWING, $150000.00 - $ OO IO

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

5.79% (5.58%*), LOAN TO VALUE RATIO, 1% - 50% OO IO

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

5.79% (5.58%*), TOTAL BORROWING, $150000.00 - $ OO IO

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

5.79% (5.58%*), LOAN TO VALUE RATIO, 51% - 60% OO IO

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

5.79% (5.58%*), TOTAL BORROWING, $150000.00 - $ OO IO

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

5.79% (5.58%*), LOAN TO VALUE RATIO, 61% - 70% OO IO

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

5.79% (5.58%*), TOTAL BORROWING, $150000.00 - $ OO IO

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

5.79% (5.58%*), LOAN TO VALUE RATIO, 71% - 80% OO IO

Lending Rate Type: Variable
Interest Rate: 5.79%, Comparison Rate 5.58%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

5.54% (5.57%*), TOTAL BORROWING, $150000.00 - $ INV P&I

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.54% (5.57%*), LOAN TO VALUE RATIO, 1% - 50% INV P&I

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.54% (5.57%*), LOAN TO VALUE RATIO, 51% - 60% INV P&I

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.54% (5.57%*), TOTAL BORROWING, $150000.00 - $ INV P&I

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.54% (5.57%*), LOAN TO VALUE RATIO, 61% - 70% INV P&I

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.54% (5.57%*), TOTAL BORROWING, $150000.00 - $ INV P&I

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.54% (5.57%*), TOTAL BORROWING, $150000.00 - $ INV P&I

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.54% (5.57%*), LOAN TO VALUE RATIO, 71% - 80% INV P&I

Lending Rate Type: Variable
Interest Rate: 5.54%, Comparison Rate 5.57%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.84% (5.87%*), TOTAL BORROWING, $150000.00 - $ INV P&I

Lending Rate Type: Variable
Interest Rate: 5.84%, Comparison Rate 5.87%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.84% (5.87%*), LOAN TO VALUE RATIO, 81% - 90% INV P&I

Lending Rate Type: Variable
Interest Rate: 5.84%, Comparison Rate 5.87%
Repayment Type: Principal And Interest
Loan Purpose: Investment

5.69% (5.63%*), LOAN TO VALUE RATIO, 1% - 50% INV IO

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.63%
Repayment Type: Interest Only
Loan Purpose: Investment

5.69% (5.63%*), TOTAL BORROWING, $150000.00 - $ INV IO

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.63%
Repayment Type: Interest Only
Loan Purpose: Investment

5.69% (5.63%*), LOAN TO VALUE RATIO, 51% - 60% INV IO

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.63%
Repayment Type: Interest Only
Loan Purpose: Investment

5.69% (5.63%*), TOTAL BORROWING, $150000.00 - $ INV IO

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.63%
Repayment Type: Interest Only
Loan Purpose: Investment

5.69% (5.63%*), TOTAL BORROWING, $150000.00 - $ INV IO

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.63%
Repayment Type: Interest Only
Loan Purpose: Investment

5.69% (5.63%*), LOAN TO VALUE RATIO, 61% - 70% INV IO

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.63%
Repayment Type: Interest Only
Loan Purpose: Investment

5.69% (5.63%*), LOAN TO VALUE RATIO, 71% - 80% INV IO

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.63%
Repayment Type: Interest Only
Loan Purpose: Investment

5.69% (5.63%*), TOTAL BORROWING, $150000.00 - $ INV IO

Lending Rate Type: Variable
Interest Rate: 5.69%, Comparison Rate 5.63%
Repayment Type: Interest Only
Loan Purpose: Investment

6.04% (5.95%*), TOTAL BORROWING, $150000.00 - $ INV IO

Lending Rate Type: Variable
Interest Rate: 6.04%, Comparison Rate 5.95%
Repayment Type: Interest Only
Loan Purpose: Investment

6.04% (5.95%*), LOAN TO VALUE RATIO, 81% - 90% INV IO

Lending Rate Type: Variable
Interest Rate: 6.04%, Comparison Rate 5.95%
Repayment Type: Interest Only
Loan Purpose: Investment

Product Features

Unlimited Txns Additional Information: Unlimited electronic transactions.

Complementary Product Discounts Additional Information: Breathe easier and save 30% on new policies when you combine home with contents insurance online.

Digital Banking

Npp Payid Additional Information: No need for BSB and account number. Receive real time payments using your own unique ID.

Npp Enabled

Bill Payment Additional Information: Make payments the easy way.

Notifications Additional Information: Receive SMS notifications when your balance is above or below an amount, a withdrawal or deposit is made or when your salary is deposited.

Other Additional Information: Everyday Round Up. Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Mortgage Simplifier home loan.

Other Additional Information: No fees for extra repayments.

Redraw Additional Information: Our flexible redraw facility gives you access to your additional payments when you need them. There is no minimum redraw amount, no limit on how many redraw transactions you can make and no redraw fee.

Product Eligibility

Min Age - 18. Additional Information: You must be aged 18 or over.

Residency Status - Au. Additional Information: Available to Australian citizen or Australian permanent resident.

Residency Status - Nz. Additional Information: Available to New Zealand citizens living in Australia.

Other Additional Information: Have and maintain an Australian residential address.

Bank Fees and Charges

Annual Fee (Periodic), Amount: 0.00. Additional Information: With no monthly, annual or transaction fees.

Settlement Fee (Upfront), Amount: 350.00. Additional Information: For each loan application and is charged at settlement.

Change To Letter Of Offer (Event), Amount: 250.00. Additional Information: This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement.

Additional Statements (Event), Amount: 7.00. Additional Information: $7 for each statement period.

Increase/decrease To Loan Amount (Event), Amount: 300.00.

Product Switch (Event), Amount: 300.00.

Substitution Of Security (Event), Amount: 300.00.

Discharge Full And Partial (Event), Amount: 250.00.

Consent To Subdivision/2nd Mortgage (Event), Amount: 300.00.

Removal Or Change To Borrowers Or Guarantors (Event), Amount: 300.00.

Dishonoured Cheque (Event), Amount: 9.00.

Direct Debit Rejected (Event), Amount: 9.00. Additional Information: $9 for each direct debit rejected.

Arrears Default Letter (Event), Amount: 40.00. Additional Information: $40 for each letter.

Valuation Fee (Variable), Amount: Not Listed.. Additional Information: A valuation fee is payable. ING will cover up to $225 of the valuation fee (GST inclusive) for the first valuation/property only.

Late Payment Fee (Event), Amount: 30.00. Additional Information: $30 when you do not pay any amount owing within 5 days of its due date

Limitations & Restrictions (Constraints)

Min Limit of 20000.00

Max Limit of 3000000.00

Max Lvr of 0.95

Min Lvr of 0.00

■ ■ ■

Download our complimentary 650-page guide on marketing for mortgage brokers. We'll show you exactly how we generate billions in volume for our clients.

Finance Guide, Cropped Top and Bottom

Timezone: E. AUSTRALIA STANDARD TIME · [ CHANGE ]

Want a No Obligation Discussion?

HOME [ FRONT PAGE ]

MORTGAGE COMPARISONS

No Bookmarks Available

I AM INTERESTED IN ...

BUYING MY FIRST HOME

REFINANCING MY PROPERTY

DOCUMENT LIBRARY

GREEN HOME LOANS

BUSINESS FINANCE

TRANSACTION ACCOUNTS