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Home Loans

Check out our home loan products.

Get a home loan that suits your lifestyle.

See all rates

Basic

A no-nonsense, variable rate home 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.
 

5.63% p.a.             5.65% p.a.
variable rate1                                       comparison rate*

Flexible + Member package*

Get a lower variable or fixed rate with a swag of features for $395 p.a.

  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).
 

5.64% p.a.             6.04% p.a.
variable rate1                                       comparison rate*

Chat with ME about a new home loan.

Booking a time is fast and simple.

Start with a quick, no obligation chat at a time that works for you.

Our home loan experts will aim to contact you within 24 hours.
 

Alternatively, you can call us on
1300 843 064.

We’re available to help from
Monday to Friday 8am-8pm (AEST/AEDT)
Saturday 9am-5pm (AEST/AEDT)
Excluding public holidays

Chat with ME about a new home loan.

Booking a time is fast and simple.

Start with a quick, no obligation chat at a time that works for you.

Our home loan experts will aim to contact you within 24 hours.
 

Alternatively, you can call us on
1300 843 064.

We’re available to help from
Monday to Friday 8am-8pm (AEST/AEDT)
Saturday 9am-5pm (AEST/AEDT)
Excluding public holidays

Home buying tips & tricks.

Everything you need to know about buying a home.

Saving for a deposit.

Let’s break it down: how much do you really need to save to buy your dream home?
 

Find out about saving for a deposit

Prep for success.

We’ve broken down the home buying process down into bite-sized chunks to give you a clear overview of what to expect.

The home buying process

Settlement day.

Winning at auction is an extremely exciting, nerve-racking and memorable day. Learn more about what happens on settlement day.

Prepare for settlement day

Good chat.

Have home loan questions? We offer a number of ways to get in touch with us for a high quality support, including a call centre located right here in Australia.

Want to find out more? Just let us know a few things about yourself and we will be in touch.

Enquire now

Monday to Friday 8am–8pm
Saturday 9am–5pm
(AEDT) Excluding public holidays.

1300 540 181

Find a local home loan specialist in your area – then meet in a way that best suits you.

Meet our bankers

FAQ's.

The legal stuff.

The legal stuff.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.

*Member Package annual fee of $395 applies.

(1) Interest rate is current at  30-Jun-2025 and 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.

(2) Home Loan comparison rates are based on a loan of $150,000 for a term of 25 years, repaid monthly. 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 interest only fixed loans are based on the interest-only period being equal to the fixed rate term.

(3) Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100.​

(4) Each offset account must be linked to a separate variable rate facility (maximum 8 permitted).
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ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006.