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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.
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Learn more
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Whether you’re refinancing, first-timing or investing, we’ve got the goods to get you that home.
Home loans.
Whether you’re refinancing, first-timing or investing, we’ve got the goods to get you that home.
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Looking for a good home loan offer?
Check out ME's low rates and special offers for:
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Find our home loan rates.
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Our home loan calculators.
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Determine the loan, get the home – compare your options with these four simple yet practical calculators.
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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)
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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.
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Book in with ME.
Meet ME.
Find a local home loan specialist in your area – then meet in a way that best suits you.
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Meet our bankers.
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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
Doing it tough.
If something unexpected has you struggling to make your repayments, get in touch.
Financial hardship
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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).
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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.
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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.
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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.
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The legal stuff.
The legal stuff.
*Member Package annual fee of $395 applies.
Home loan terms and conditions
- Interest rates are current as at
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06-Dec-2023 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. 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.
- 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.
- A current fixed rate can be secured for 90 days by paying a $500 rate lock request fee. At settlement you will get the better of the two rates.
- The repayments quoted in this calculator are based on the inputs that you have populated and should be used as a guide only. When calculating repayments for a variable interest rate, we have assumed that the rate stays the same for the duration of the loan term, as we cannot predict future rate changes. The repayments quoted for fixed interest rates are only applicable for the duration of the initial fixed rate period. Any applicable fees and charges or other amounts that may be charged to your loan (e.g. Lenders Mortgage Insurance if you are borrowing more than 80% of the value of your property) have not been included in these calculations.
- Solicitor, valuation and agent fees may apply.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.
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