Your home loan shouldn't come between you and the life you love. That's why ING DIRECT created a range of home loans that make home ownership simple and affordable.

If you want to reclaim financial control of your life, refinancing your home loan can help you consolidate credit card debts into your existing home loan, so that you'll have more money to do more of the things that matter to you - like renovating your new home.

You'll be able to afford the finer things in life.

If you save $500, you can get:
Metal-stand lamp and wood-print shade from Domayne, $89, and Mezia mirror, $380.

If you save $1000, you can get:
A metal floral-wave bedside table from Meizai, $996.

With their award-winning Mortgage Simplifier, you get competitive rates, free redraw and no annual or ongoing monthly fees. Take advantage of the savings you can make with ING DIRECT. After all, nothing should stop you from enjoying the life you love.

Call 1800 267 809 or visit ingdirect.com.au/instyle for more information.

All applications for credit are subject to ING DIRECT's credit approval criteria. Fees and charges apply. Details of these and the terms and conditions are available on request. The Mortgage Simplifier home loan was awarded a Bronze Medallion for 'Mortgage of the Year 2008' in the Best Basic Variable Loan category (for loans greater than $300K) by Your Mortgage Magazine. ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292.