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  Mortgage Simplifier

Low variable interest rate home loan with no ongoing monthly or annual fees.
Category: Home Loans  Last Updated February 3, 2021  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
2.45%PA
Comparison Rate
2.48%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 usually vary based on the LVR and other conditions..
  Total borrowing
Minimum: $50000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.45%, Comparison Rate 4.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Total borrowing
Minimum: $50000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4%, Comparison Rate 4.02%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total borrowing
Minimum: $50000.00 Maximum: $149999.00
  • Lending Rate Type: Variable
  • Interest Rate: 4.45%, Comparison Rate 4.47%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total borrowing
Minimum: $150000.00 Maximum: $499999.00
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.49%, Comparison Rate 2.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  Total borrowing
Minimum: $150000.00 Maximum: $499999.00
  • Lending Rate Type: Variable
  • Interest Rate: 2.59%, Comparison Rate 2.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  Total borrowing
Minimum: $150000.00 Maximum: $499999.00
  • Lending Rate Type: Variable
  • Interest Rate: 3%, Comparison Rate 3.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total borrowing
Minimum: $150000.00 Maximum: $499999.00
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.54%, Comparison Rate 3.56%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Total borrowing
Minimum: $150000.00 Maximum: $499999.00
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.64%, Comparison Rate 2.67%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total borrowing
Minimum: $150000.00 Maximum: $499999.00
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.04%, Comparison Rate 3.06%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total borrowing
Minimum: $500000.00 Maximum: $999999.00
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.49%, Comparison Rate 2.52%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 81 PERCENT Maximum: 90 PERCENT
  Total borrowing
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.59%, Comparison Rate 2.62%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 91 PERCENT Maximum: 95 PERCENT
  Total borrowing
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 3%, Comparison Rate 3.03%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total borrowing
Minimum: $500000.00 Maximum: $999999.00
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.54%, Comparison Rate 3.56%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  Total borrowing
Minimum: $500000.00 Maximum: $
  • Lending Rate Type: Variable
  • Interest Rate: 2.64%, Comparison Rate 2.67%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Total borrowing
Minimum: $500000.00 Maximum: $
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.04%, Comparison Rate 3.06%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Total borrowing
Minimum: $1000000.00 Maximum: $
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 2.45%, Comparison Rate 2.48%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Total borrowing
Minimum: $1000000.00 Maximum: $
  Loan to Value Ratio
Minimum: 1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 3.5%, Comparison Rate 3.52%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied

 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: 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.
  • Bonus Rewards Additional Information: Just add Orange Everyday to your home loan, and you’ll get free ATMs across Australia, a rebate on fees from any ATM worldwide within 5 business days, and we’ll also rebate our ING international transaction fees.

 Limitations & Restrictions (Constraints)

  • Opening Balance of 50000.00
  • Max Balance of 3000000.00

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