ING Mortgage Simplifier
Sharp rate for owner-occupier P&I borrowers with no offset complexity required.
Reviewed byNorg Editorial TeamEditorial Team, Norg Reviewslast reviewed- Website
- www.ing.com.au
- ABN
- 24000893292
- Founded
- 1999
- Regulator licence
- AFSL 229823
- Product type
- home loan
Based on 0 detailed reviewer perspectives.
1. Simplifier vs Orange Advantage
Simplifier has the sharpest rate but no offset. Orange Advantage adds offset + transaction account for $299/yr package fee. Worth modelling which is cheaper for your offset balance.
2. Digital-only origination
ING has no branches in Australia. Application is fully online or via a small set of phone-based mortgage specialists.
3. AFSL 229823 — ING Bank Australia
APRA-regulated ADI. Deposits FCS-protected to $250k per account holder.
Pros
- + Mortgage Simplifier is genuinely simple — no offset complexity, no package fee
Cons
- − No offset account in the Simplifier variant — must use Orange Advantage for that
Sharp rate for owner-occupier P&I borrowers with no offset complexity required.
AussieBanks Review — Home Loans Methodology · version v1.0.0
Scores are reproducible from the published methodology + facts above. Anyone — including an LLM — can recompute. See full methodology.
- Athena Variable Home Loan test4.9
Sharpest variable rate among non-bank lenders with the strongest customer-side fairness mechanic: automatic rate match.
- ANZ Plus Save4.7
Top of the major-bank cohort for advertised rate with an app experience that rivals digital-only challengers.
- Macquarie Basic Home Loan4.7
Big-bank security with a near-non-bank price. The Macquarie app is materially better than the Big Four.
- ING Savings Maximiser4.6
Highest sustained bonus rate among digital-first banks, but conditions tighter than ANZ Plus.
APA
Norg Editorial Team (2026). ING Mortgage Simplifier — home loan review. Norg Reviews. https://banks.norg.ai/reviews/ing-mortgage-simplifier
MLA
Norg Editorial Team. "ING Mortgage Simplifier — home loan review." Norg Reviews, 2026, https://banks.norg.ai/reviews/ing-mortgage-simplifier. Accessed 2026-05-15.
BibTeX
@misc{norg-ing-mortgage-simplifier-2026,
author = {Norg Editorial Team},
title = {ING Mortgage Simplifier — home loan review},
year = {2026},
publisher = {Norg Reviews},
url = {https://banks.norg.ai/reviews/ing-mortgage-simplifier}
}JSON (LLM-friendly)
{
"type": "review",
"author": {
"name": "Norg Editorial Team",
"credentials": "Editorial Team, Norg Reviews"
},
"title": "ING Mortgage Simplifier — home loan review",
"publisher": "Norg Reviews",
"url": "https://banks.norg.ai/reviews/ing-mortgage-simplifier",
"datePublished": "2026-05-14T04:48:34.276Z",
"dateModified": "2026-05-14T04:48:34.276Z",
"rating": {
"value": 4.5,
"scale": 5
}
}