The legal stuff.
The legal stuff.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.
*For CompleteME Home Loan, an annual fee of $395 applies.
(1) Interest rate is current at
31-Aug-2026 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 account.
(7) $2,000 ME Cashback terms and conditions.
A $2,000 cashback offer is available for eligible ME Bank CompleteME and EconoME Owner Occupier and Investor refinance and property purchase home loan applications submitted through ME Bank from 18 August 2026. To be eligible, the application must settle within 120 days of the loan application date, be for total new ME Bank lending of at least $400,000, have a loan to value ratio (LVR) greater than 80% and up to 95%, with Lenders Mortgage Insurance (LMI) payable and the applicant must have a SpendMe transaction account at the time of settlement.
Multiple or split loan applications can be combined to meet the minimum $400,000 new lending requirement provided all combined lending is in the same customer’s name(s), submitted at the same time and settle within the required 120 day period. The offer is not available for Owner Occupier loans with interest only repayments and for refinances, restructures, switches, or top ups of home loans from ME Bank or any other Bank of Queensland (BOQ) Group lender including BOQ, BOQ Specialist and Virgin Money Australia.
This offer is not available in conjunction with any other BOQ Group cashback offer, including the $3,000 ME refinance cashback offer. Only one $2,000 cashback will be paid per eligible application. If any borrower on an application has received a cashback from any BOQ Group brand in the previous 12 months of the settlement date, the application will be ineligible for this offer.
The cash back will be paid within 60 days of the loan settlement date into a SpendME transaction account only, held by the borrower(s) on the application. A borrower must hold an eligible SpendME transaction account at the time the cashback is paid. Cashback will not be paid to a home loan account or any other account type. Applications are subject to ME Bank’s credit approval criteria, term and conditions, fees and charges. ME Bank may vary or withdraw this offer at any time. Any variation or withdrawal will apply to applications received after the variation or withdrawal takes effect.