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ING

Mortgage Simplifier

Awards

Winner of Best Large Bank Home Loan, RateCity Gold Awards 2021

Interest rate

1.99

% p.a

Variable

Comparison Rate*

2.02

% p.a

Maximum LVR
80%
Real Time Rating™

4.39

/ 5
Monthly Repayment

$1,270

based on $300,000 loan amount for 25 years at 1.99%

Interest rate

1.99

% p.a

Variable

Comparison Rate*

2.02

% p.a

Maximum LVR
80%
Real Time Rating™

4.39

/ 5
Monthly Repayment

$1,270

based on $300,000 loan amount for 25 years at 1.99%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,270

based on $300,000 loan amount for 25 years at 1.99%

ING home loans are available through brokers who can help find the right loan and manage your application at no charge.

Daniel Uzelac

Get expert advice from a home loans specialist.

Residential & Commercial Finance Specialist Lendier Finance is committed to helping you find the right financial solution and make wise decisions moving forward. Whether you are in the market looking to purchase your first home, refinance your existing mortgage or looking to grow your investment portfolio. From various contacts in the industry, we will find the solution for the best outcome. At Lendier Finance we are dedicated to work with you towards your financial goals and always have your best interest in mind. We will take the time to understand your goals and assist with finding you most appropriate solution to align with your financial goals. Focus is to go through every single file to make sure it will get approved before submission and present the best possible scenario add value to our clients and score an APPROVAL.

Response time: in an hour | Our brokers call during business hours between 9.00am to 6.00pm.

George Popadalis

5.0
10 Reviews

Get expert advice from a home loans specialist.

After years of working in the banking industry, George saw firsthand how customers were continuously being put on hold and not treated with respect. So he decided to take matters into his own hands by starting Fetch Loans! George never thought that one day he would find himself running a company whose sole focus is providing an all-around positive experience for their clients every time they need them. But when George realized just what was happening within the customer service sector’s disregard for its customers’ needs, something inside him shifted—and so did his career path. Now at Fetch Loans!, we’re committed to giving our invaluable clientele a stress free loan application process while treating each individual as if it were only us who mattered most throughout this entire journey together

Response time: in 31 minutes | Our brokers call during business hours between 9.00am to 6.00pm.

Bernard Desmond

5.0
156 Reviews

Get expert advice from a home loans specialist.

Bernard Desmond OPPORTUNITY BROKER They say there are two guarantees in life, but Bernard securing your mortgage is now unofficially the third. His confidence comes from 14 years of experience and an unequivocal desire to provide you with the most opportunity from your mortgage. But don’t just take our word for it; Bernard’s strike rate from application to approval is awarded as the best in the industry: Winner 2020 Best Customer Service of the year at the Australian Broking Awards, 2020 Best Customer Service of the year at the Better Business Awards, 2019 Residential Broker of the Year and 2018 Australian broker of the Year. Supportive yet honest, Bernard has your best interest at heart and a blank piece of paper in hand, ready to fill it with plans and possibilities. Bernard sees opportunity getting to understand you and your financial goals better than the rest. He’s personable and tenacious, giving you the ability to take your money further — like that ocean villa in Hawaii.

Response time: in 15 hours | Our brokers call during business hours between 9.00am to 6.00pm.

Quick home loan review

For Mortgage Simplifier Home Loan (Principal and Interest) ($150k-$500k, LVR < 80%)

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%
  • No ongoing fees
  • Parents can sign as guarantor
  • Extra repayments and redraw facility
  • Free redraw facility
  • Split account option
  • Features on 2021 RateCity Awards

These are the drawbacks of this home loan.

  • No offset account
  • Higher than average upfront fee
  • Discharge fee at end of loan
  • No repayment holidays

Home loan overview

For Mortgage Simplifier Home Loan (Principal and Interest) ($150k-$500k, LVR < 80%)

TMD

Details

Maximum LVR

80%

Total Repayments

Interest rate type

Variable

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly

Features

Extra repayments

Unlimited extra repayments

Redraw facility

Redraw fee: $0

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

299

Application fee

0

Valuation fee

$0

Settlement fee

299

Other upfront fee

0

Ongoing fee

$0

Discharge fee

250

Application method

Online

Phone

In branch

Specials
  • Cashback $3000 refinance cashback
    The Application must include the refinance of an existing home loan from another lender and be for a total loan amount of at least $500,000. This refinance amount of $500,000 excludes refinances of existing ING loans. The new ING Home Loan must have a loan to value ratio (LVR) of 80% or less; The new ING Home Loan must settle on or before 31 March 2022; and An active ING Orange Everyday transaction account must be held in the same name(s) as the new ING Home Loan at the time that the cashback is paid (which will occur within 70 days after settlement). T&Cs apply.

Target Market Determination

Visit ING to view Target Market Determination.

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ING is available through brokers

FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $150k to $500k.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

What's the maximum length for this loan?

ING allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

ING allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $299 worth of upfront fees.

Does this loan come with a redraw facility?

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Where can you apply for this loan?

ING makes it possible to apply for this product online. Apply here.

Can a broker help me with this loan?

Yes, this ING loan is available through a broker. Find a broker to help you with your needs.