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ME has the right loan. Whether you’re first timing, upsizing, downsizing or investing, we’re here to help.
Found the right home?
ME has the right loan. Whether you’re first timing, upsizing, downsizing or investing, we’re here to help.
$3,000 back in your pocket6
Enjoy the flexibility of extra cash in your back pocket when you refinance your home loan to ME.
Available to owner occupiers and investors on all ME home loan products if they:
- Apply from 15/06/2024, and settle within 120 days of the loan application date
- Switch their existing home loan from another lender
- Take out a home loan with a minimum size of $700k and maximum LVR of 80%
Learn more about this cashback offer
What do we have to offer?
Get a home loan that suits your lifestyle.
Chat to our dedicated team about a new or existing home loan on
13 15 63.
We're available to help from Mon-Fri 8am-8pm (AEST/AEDT) Sat 9am-5pm (AEST/AEDT)
(We take national public holidays off.)
Basic
A no-nonsense, variable rate loan.
Low variable rate. Keep it simple with our no-frills, award winning home loan.
Fee-free redraw. Get cash for emergencies (minimum $500).
No annual or monthly fees. No need to worry about any extra addons.
Variable rates from
5.88% p.a.3 Interest rate
5.90% p.a.2 Comparison rate
Flexible + Member package*
A no-nonsense, variable rate loan.
Flexibility. Go variable, or fix for 1-5 years, or split your loan or do both.
Offset account. Let your savings reduce your interest repayments.
Fee-free redraw. Get cash for emergencies (minimum $500).
Variable rates from
5.89% p.a.1 Interest rate
6.28% p.a.2 Comparison rate
Find our home loan rates.
Get offset to a great start with ME’s
Everyday Transaction Account.
Exclusive to ME Flexible Home Loan customers, our Everyday Transaction Account can be linked as a 100% offset account, with no monthly account-keeping fees.
Learn more
Our home loan calculators.
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Determine the loan, get the home – compare your options with these four simple yet practical calculators.
Other reasons to choose ME?
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Contact ME.
We keep our call centre in Australia, so we can focus on providing a high level of service and support to our customers.
Talk to ME.
We're available to help from Mon-Fri 8am-8pm (AEST/AEDT) Sat 8am-6pm (AEST/AEDT)
1300 540 181
Call ME later.
Set up a time that works for you. Our specialists can call, video chat or even do a home visit.
Book in with ME.
Meet ME.
Find a local home loan specialist in your area – then meet in a way that best suits you.
Meet our bankers.
Manage.
Get more from your ME loan: shape your loan options to suit your life.
Work your loan
Repayments.
Need to adjust your repayments? You can do it right now using internet banking.
Change your repayments
Financial Difficulty Assistance.
If you are struggling to meet your financial commitments,
Get in touch with ME.
What is the best loan option for first time buyers?
ME has a few different home loans for first home buyers. Check out our
Flexible Home Loan (especially if you’re after 100% offsets, a redraw facility and the option to fix or split your loan) or our
Basic Home Loan (for a no-frills loan that keeps things simple).
What type of loan is best for buying a home?
The best home loan for you will largely depend on your situation. To learn more about buying a home and the type of home loan that would suit you, see our
buy a home page.
How much deposit do you need for a home loan?
You should always strive to save as much as you possibly can before buying a home. The minimum required deposit is 10%, but aim for 20% if possible.
Fixed interest rate vs variable interest rate
As the name suggests,
a fixed rate is one that remains unchanged for the duration of your fixed-rate period, regardless of what’s happening in the market. However,
a variable rate can change with the home loan market, which can push rates up or down. That can be good for you if rates are getting cheaper, or it can increase your expenses if rates go up.
How much can I borrow for a home loan?
The amount that you can borrow will depend on your personal financial situation, including income and expenses. For a personalised look at how much you can borrow, see our
borrowing power calculator.
The legal stuff.
The legal stuff.
*Member Package annual fee of $395 applies.
Home loan terms and conditions
Interest rates are current as at
22-May-2025 and is are subject to change.
The variable interest rate may include a discount or margin that is applied to the product’s variable reference rate. Variable interest rates may include a discount or margin that is applied to the product’s variable reference rate. Discounts are offered to new home loan applications only. The discount cannot be used with any other rate promotion. Existing applications, internal refinances, top ups, additional advances or variations of existing home loans are not eligible. We may change or withdraw any discount or margin at any time.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.
- Flexible Home Loan with Member Package*. Minimum loan size $400K. New owner occupier, principal and interest, MAX 60% LVR.
- Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. For variable loans with interest only repayments, the comparison rates are based on an initial 5 year interest only period. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. The comparison rates for fixed loans with interest only repayments are based on the interest- only period being equal to the fixed rate term.
- Basic Home Loan. Minimum loan size $150K. New owner occupier, principle and interest, Maximum 80% LVR.
- Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100.
- Solicitor, valuation and agent fees may apply.
- ME Cashback terms and conditions.A $3,000 cash back offer is available on refinances of an existing home loan from another financial institution with a minimum new lending of $700,000 and a loan to value ratio (LVR) of up to 80%. This minimum amount cannot be split across multiple applications. To be eligible for this offer, applications must be received from 15 June 2024 and settle within 120 days of the loan application date.
This offer is not available where any of the loan proceeds are for the refinance, restructure, switches, or top ups of home loans from ME or from other lenders within the Bank of Queensland (BOQ) Group which includes BOQ, BOQ Specialist and Virgin Money (Australia).
This offer is available to Owner Occupier and Investors on all ME home loan products but is not available to applications for Owner-Occupied loans with interest only repayments. A home loan application involving both a purchase and refinance is not eligible.
Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers. In the case of multiple qualifying applications, only one cash back will be paid per separate security property.
The cash back amount will be paid within 60 days of loan settlement into the ME Everyday Transaction Account (ETA) held by the borrower first listed on the application. In the event the first listed borrower doesn’t hold an ETA, the cash back will be credited to the home loan it applies to. Terms, conditions, fees, and charges apply. Applications are subject to credit approval. The offer can be withdrawn or varied at any time.