If you’re experiencing financial difficulty, talk to ME. Call 1300 500 520

Learn more.

Applying for a Home Loan with ME

Calculate your borrowing power.

Enter your income and expenses to find out how much you could borrow for a home loan.

Based on our Flexible home loan with Member Package option (annual fee $395), which currently offers a 3.69% p.a. variable rate1 (4.72% p.a. comparison rate2). This assumes 1) a loan that is for owner occupier purposes with principal and interest repayments, 2) a loan amount of more than $400k but less than $700k and 3) where the amount borrowed is more than 70% but not greater than 80% of the value of the real estate used as security.

Based on our flexible home loan on a 3.69% p.a. variable rate1 (4.72% p.a. comparison rate2). This rate assumes an LVR of 80-90%. If your LVR is less than 80% ME may be able to offer you a better rate.

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You could borrow

$

Your deposit amount

$

Your loan to value ratio would be XX%.

For this calculation the loan to value ratio cannot exceed 95%.

Your estimated total purchase power

$XXX,XXX

Loan term

Unfortunately your borrowing power has gone into negative. Maybe re-check your numbers?

Monthly repayments

$1,616

This is 41% of your income after tax.

Monthly expenses

$2,000

Remaining monthly income

$2,114

Worked out based on your income with no tax minimisation; your financial situation may vary significantly.

Our products.

Get a home loan that suits your lifestyle.

Learn more about the benefits and features of our home loan products at ME.

Flexible Home Loan with Member Package.

  • Fixed and variable rate options
  • No application fee
  • Offset account available

Flexible Home Loan.

  • No monthly or annual fees
  • Fixed and variable rate options
  • Offset account available
Learn more about Flexible Home Loan

Basic Home Loan.

  • Low rates
  • No application fees
  • No monthly or annual fees
Learn more about our Basic Home Loan

There’s good reasons to choose ME.

Our Flexible Home Loan with Member Package offers a range of features and benefits for an annual fee of $395.

More about the flexible home loan with member package.

Talk to ME

Upgrade and offset.

For no additional fee, you can have up to eight 100% offset accounts4. Perfect for saving on interest, and also helping you manage your different savings goals.

Upgrade to less...fees. 

No valuation fee, no top-up fee, no fee to fix or split your loan after you settle.

Good at repaying? We won’t stop you.

Pay your variable rate loan off as early as you want – with no penalty.

Chat with ME about a new home loan. 

Get in touch with our team of home loan experts to help you through the process of buying a house. Find out which home loan is the right one for you.

Booking a time is fast and simple.

Our home loan experts will aim to call at your preferred time (otherwise within 24 hours).

Chat with ME about a new home loan. 

Get in touch with our team of home loan experts to help you through the process of buying a house. Find out which home loan is the right one for you.

Booking a time is fast and simple.

Our home loan experts will aim to call at your preferred time (otherwise within 24 hours).

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

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.

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  20-May-2024 and is 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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