ING Mortgage Simplifier — home loan review
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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: 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
1. Mortgage Simplifier is genuinely simple — no offset complexity, no package fee

CONS
1. 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