# ING Mortgage Simplifier — home loan review

> Reviewed by **Norg Editorial Team**
> Editorial Team, Norg Reviews
> Last reviewed: 2026-05-14T04:48:34.276Z
> Methodology: AussieBanks Review — Home Loans Methodology (v1.0.0)

## Company Overview
- Website: https://www.ing.com.au/home-loans/mortgage-simplifier.html
- ABN: 24000893292
- Founded: 1999
- Regulator licence: AFSL 229823
- Vertical: au-banks

## Overall Rating: 4.5 / 5

Based on 0 detailed reviewer perspectives.

Sharp rate for owner-occupier P&I borrowers with no offset complexity required.

## 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

## Key Takeaways
### 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.

## Detailed Reviews