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Mortgage Simplifier
ING's Mortgage Simplifier is a home loan. The figures are the ones ING publishes under the Consumer Data Right today. The advertised rate last moved on 9 October 2026, up from 6.04% to 6.29%.
Advertised rate
6.29%
headline tier
Comparison rate
6.32%
as published
Last moved
+0.25pp
9 October 2026
Advertised rate, last 30 days. Between 6.04% and 6.29% over the last 30 days.
Every current rate (20)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 50%, $150,000 and overLoan to Value Ratio | 6.29% | 6.32% |
| Variable, Owner occupier, P&I, LVR 51 to 60%, $150,000 and overLoan to Value Ratio | 6.29% | 6.32% |
| Variable, Owner occupier, P&I, LVR 61 to 70%, $150,000 and overLoan to Value Ratio | 6.29% | 6.32% |
| Variable, Owner occupier, P&I, LVR 71 to 80%, $150,000 and overLoan to Value Ratio | 6.34% | 6.37% |
| Variable, Investor, P&I, LVR up to 50%, $150,000 and overTotal borrowing | 6.39% | 6.42% |
| Variable, Investor, P&I, LVR 51 to 60%, $150,000 and overTotal borrowing | 6.39% | 6.42% |
| Variable, Investor, P&I, LVR 61 to 70%, $150,000 and overLoan to Value Ratio | 6.39% | 6.42% |
| Variable, Investor, P&I, LVR 71 to 80%, $150,000 and overTotal borrowing | 6.44% | 6.47% |
| Variable, Owner occupier, P&I, LVR 81 to 90%, $150,000 and overLoan to Value Ratio | 6.49% | 6.52% |
| Variable, Investor, Interest only, LVR up to 50%, $150,000 and overTotal borrowing | 6.59% | 6.50% |
| Variable, Investor, Interest only, LVR 51 to 60%, $150,000 and overLoan to Value Ratio | 6.59% | 6.50% |
| Variable, Investor, Interest only, LVR 61 to 70%, $150,000 and overTotal borrowing | 6.59% | 6.50% |
| Variable, Investor, Interest only, LVR 71 to 80%, $150,000 and overLoan to Value Ratio | 6.59% | 6.53% |
| Variable, Owner occupier, Interest only, LVR up to 50%, $150,000 and overLoan to Value Ratio | 6.69% | 6.49% |
| Variable, Owner occupier, Interest only, LVR 51 to 60%, $150,000 and overLoan to Value Ratio | 6.69% | 6.49% |
| Variable, Owner occupier, Interest only, LVR 61 to 70%, $150,000 and overTotal borrowing | 6.69% | 6.49% |
| Variable, Owner occupier, Interest only, LVR 71 to 80%, $150,000 and overLoan to Value Ratio | 6.69% | 6.52% |
| Variable, Investor, P&I, LVR 81 to 90%, $150,000 and overTotal borrowing | 6.74% | 6.77% |
| Variable, Investor, Interest only, LVR 81 to 90%, $150,000 and overLoan to Value Ratio | 6.89% | 6.83% |
| Variable, Owner occupier, P&I, LVR 91 to 95%, $150,000 and overTotal borrowing | 6.94% | 6.97% |
Rate moves, last 30 days
- 9 October 2026: 20 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR up to 50%, $150,000 and over, from 6.04% to 6.29%.
Published fees
| Fee | Amount |
|---|---|
| Annual feerecurring: With no monthly, annual or transaction fees. | $0 |
| Settlement feeupfront: For each loan application and is charged at settlement. | $350 |
| Change to letter of offerwhen it happens: This is payable if changes are made to the letter of offer between disclosure date (date of original issue) and settlement. | $250 |
| Additional statementswhen it happens: $7 for each statement period. | $7 |
| Increase/decrease to loan amountwhen it happens | $300 |
| Product switchwhen it happens | $300 |
| Substitution of securitywhen it happens | $300 |
| Discharge Full and Partialwhen it happens | $250 |
| Consent to Subdivision/2nd mortgagewhen it happens | $300 |
| Removal or change to borrowers or guarantorswhen it happens | $300 |
| Dishonoured chequedishonour | $9 |
| Direct debit rejectedwhen it happens: $9 for each direct debit rejected. | $9 |
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