{
  "_id": "review.ing-mortgage-simplifier",
  "author": {
    "credentials": "Editorial Team, Norg Reviews",
    "name": "Norg Editorial Team",
    "sameAs": null,
    "slug": {
      "_type": "slug",
      "current": "editorial-team-norg"
    }
  },
  "cons": [
    "No offset account in the Simplifier variant — must use Orange Advantage for that"
  ],
  "counterEvidence": null,
  "detailedReviews": null,
  "disclosureNote": null,
  "entity": {
    "abn": "24000893292",
    "bankingDetails": {
      "afslLicence": "AFSL 229823",
      "baseRate": 6.24,
      "comparisonRate": 6.27,
      "features": [
        "Free redraw",
        "No monthly fees",
        "Online-only origination"
      ],
      "maxLVR": 80,
      "monthlyFee": 0,
      "productType": "home-loan"
    },
    "foundedYear": 1999,
    "name": "ING Mortgage Simplifier",
    "regulator": "AFSL 229823",
    "slug": {
      "_type": "slug",
      "current": "ing-mortgage-simplifier"
    },
    "vertical": "au-banks",
    "website": "https://www.ing.com.au/home-loans/mortgage-simplifier.html"
  },
  "facts": null,
  "featureRatings": null,
  "keyTakeaways": [
    {
      "body": "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.",
      "heading": "Simplifier vs Orange Advantage"
    },
    {
      "body": "ING has no branches in Australia. Application is fully online or via a small set of phone-based mortgage specialists.",
      "heading": "Digital-only origination"
    },
    {
      "body": "APRA-regulated ADI. Deposits FCS-protected to $250k per account holder.",
      "heading": "AFSL 229823 — ING Bank Australia"
    }
  ],
  "lastReviewedAt": "2026-05-14T04:48:34.276Z",
  "methodology": {
    "title": "AussieBanks Review — Home Loans Methodology",
    "version": "v1.0.0",
    "vertical": "au-banks"
  },
  "multiSourceRatings": null,
  "overallRating": 4.5,
  "pros": [
    "Mortgage Simplifier is genuinely simple — no offset complexity, no package fee"
  ],
  "publishedAt": "2026-05-14T04:48:34.276Z",
  "rankingRationale": "Sharp rate for owner-occupier P&I borrowers with no offset complexity required.",
  "ratingBreakdown": null,
  "slug": {
    "_type": "slug",
    "current": "ing-mortgage-simplifier"
  },
  "status": "published",
  "title": "ING Mortgage Simplifier — home loan review"
}