Variable Rate Loans

Mortgage Simplifier

A low, variable interest rate home loan with no ongoing monthly or annual fees and free redraw facilities. Apply for a Mortgage Simplifier home loan online.

Our Mortgage Simplifier is ideal if you are:

• a first time home buyer
• looking to refinance your home loan to a cheaper rate
• in the market for a simple, no-fuss home loan with a low interest rate
• an investor looking for a competitive variable rate home loan

Home loan rate	Low, variable interest rate. An interest rate discount of 0.06% p.a. is available where your total residential borrowings with ING DIRECT are $300,000* or more.
Home loan term	Up to 30 years
Loan repayments	Principal and Interest or Interest Only (maximum of 5 years for Interest Only)
Paid by	Direct Debit
Additional payments	Yes, any time and free of charge
Monthly fee	No monthly, annual or transaction fees
Ongoing fees	No
Home loan redraw	Yes, free access to your funds
Bills	Pay bills with available funds online with BPAY®
Transaction Account	Combine your ING DIRECT home loan with an Orange Everyday and use any ATM in Australia for FREE!

• Apply online now
• Compare all our home loan products online

Call a home loan specialist on 1800 100 258 or see your broker to find out more.

*A once only SmartPack fee of $499 applies. For a limited time, ING DIRECT will offer a bonus SmartPack interest rate discount of 0.10% p.a. To be eligible for this promotion the following conditions apply:

• SmartPack applications must be received from 17 September 2010 until further notice
• Applications must be for a new loan with new security property
• The bonus SmartPack interest rate discount does not apply to applications for fixed rate or construction loans
• Total ING DIRECT residential borrowings must be $300,000 or more
• SmartPack fee applies