ME Bank

Home Loans

CompleteME Home Loan

The home loan that’s the complete package. Packed with all the features you could ever want,
including up to 10 offset accounts. All managed from the ME Go banking app.

Found the
right home?

Get an interest rate that suits your lifestyle.

Talk to ME

Variable rates
5.64% p.a.
variable rate³
6.03% p.a.
comparison rate^*

Fixed rates
5.14% p.a.
2 year fixed rate⁴
6.04% p.a.
comparison rate^*

Good to know

^3. Variable: Minimum loan size $400K. New owner occupier, principal and interest, max 60% LVR^{^}

^4. Fixed rate: Two year fixed rate, new owner occupier, principal and interest, LVR^{^} . >60 to ≤80%

CompleteME

Our full-featured home loan with more flex, frills and more ME for you. Customised and controlled on the ME Go app.

100% offset account.

Your linked SpendME accounts double as an offset account to reduce the amount of interest you pay on your variable home loan.

Pay your loan off sooner.

Make additional payments without being slapped with fees. And if you’re on a variable home loan, you can dip into those extra repayments whenever.

Make ME yours.

Packed with features, built for flexibility. Customise with fix or split options and make CompleteME your own.

Manage ME from the palm of your hand.

We’ve dialled up the flexibility so you can take control of how and when you repay your home loan.

Easily manage:

Which account we deduct repayments from (which you can also personalise the name of).
Your repayment frequency – choose from weekly, fortnightly, or monthly.
The exact day your monthly repayments are made – yep, it’s your call.
Find out the latest features available on the ME Go banking app.

Pay less interest with 100% offset.

Every dollar in your SpendME account gets put to work reducing the interest on your linked variable home loan.

Open and link up to 10 SpendME accounts in the ME Go app.

And with every tap of your digital card, ME donates to charity. Good for you, great for your community.

Run ME through the rates

CompleteME’s competitive rates keep your repayments low to help your savings grow high.

Talk about complete value.

Owner Occupier Rates.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	7.88% p.a.	8.24% p.a.	9.07% p.a.	-1.19% p.a.
Above 60% and less than or equal to 80%	8.00% p.a.	8.36% p.a.	9.07% p.a.	-1.07% p.a.
Above 80% and less than or equal to 90%	7.86% p.a.	8.22% p.a.	9.07% p.a.	-1.21% p.a.
More than 90%	8.21% p.a.	8.57% p.a.	9.07% p.a.	-0.86% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	5.78% p.a.	6.17% p.a.	9.07% p.a.	-3.29% p.a.
Above 60% and less than or equal to 80%	5.78% p.a.	6.17% p.a.	9.07% p.a.	-3.29% p.a.
Above 80% and less than or equal to 90%	5.99% p.a.	6.37% p.a.	9.07% p.a.	-3.08% p.a.
More than 90%	7.66% p.a.	8.02% p.a.	9.07% p.a.	-1.41% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	5.64% p.a.	6.03% p.a.	9.07% p.a.	-3.43% p.a.
Above 60% and less than or equal to 80%	5.69% p.a.	6.08% p.a.	9.07% p.a.	-3.38% p.a.
Above 80% and less than or equal to 90%	5.89% p.a.	6.27% p.a.	9.07% p.a.	-3.18% p.a.
More than 90%	7.66% p.a.	8.02% p.a.	9.07% p.a.	-1.41% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	5.64% p.a.	6.03% p.a.	9.07% p.a.	-3.43% p.a.
Above 60% and less than or equal to 80%	5.69% p.a.	6.08% p.a.	9.07% p.a.	-3.38% p.a.
Above 80% and less than or equal to 90%	5.89% p.a.	6.27% p.a.	9.07% p.a.	-3.18% p.a.
More than 90%	7.66% p.a.	8.02% p.a.	9.07% p.a.	-1.41% p.a.

Term	LVR^{^}	Interest Rate	Comparison Rate^*
1 year	60% or less	5.64% p.a.	6.15% p.a.
	Above 60% and less than or equal to 80%	5.64% p.a.	6.15% p.a.
	Above 80% and less than or equal to 90%	5.99%p.a.	6.37%p.a.
	More than 90%	6.94%p.a.	7.94%p.a.
2 year	60% or less	5.14% p.a.	6.04% p.a.
	Above 60% and less than or equal to 80%	5.14% p.a.	6.04% p.a.
	Above 80% and less than or equal to 90%	5.49%p.a.	6.27%p.a.
	More than 90%	6.09%p.a.	7.70%p.a.
3 year	60% or less	5.14% p.a.	5.99% p.a.
	Above 60% and less than or equal to 80%	5.14% p.a	5.99% p.a
	Above 80% and less than or equal to 90%	5.39%p.a.	6.20%p.a.
	More than 90%	6.04%p.a.	7.54%p.a.
4 year	60% or less	5.44% p.a.	6.04% p.a.
	Above 60% and less than or equal to 80%	5.44% p.a.	6.04% p.a.
	Above 80% and less than or equal to 90%	5.69%p.a.	6.26%p.a.
	More than 90%	6.19%p.a.	7.47%p.a.
5 year	60% or less	5.44% p.a.	6.02% p.a.
	Above 60% and less than or equal to 80%	5.44% p.a.	6.02% p.a.
	Above 80% and less than or equal to 90%	5.69%p.a.	6.24%p.a.
	More than 90%	6.34%p.a.	7.43%p.a.

Investor
Rates.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	8.11% p.a.	8.47% p.a.	9.37% p.a.	-1.26% p.a.
Above 60% and less than or equal to 80%	8.11% p.a.	8.47% p.a.	9.37% p.a.	-1.26% p.a.
Above 80% and less than or equal to 90%	8.11% p.a.	8.47% p.a.	9.82% p.a.	-1.11% p.a.
More than 90%	8.97% p.a.	9.32% p.a.	9.37% p.a.	-0.40% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	5.99% p.a.	6.37% p.a.	9.37% p.a.	-3.38% p.a.
Above 60% and less than or equal to 80%	6.04% p.a.	6.42% p.a.	9.37% p.a.	-3.33% p.a.
Above 80% and less than or equal to 90%	6.29% p.a.	6.67% p.a.	9.37% p.a.	-3.08% p.a.
More than 90%	8.97% p.a.	9.32% p.a.	9.37% p.a.	-0.40% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	5.79% p.a.	6.18% p.a.	9.37% p.a.	-3.58% p.a.
Above 60% and less than or equal to 80%	5.84% p.a.	6.22% p.a.	9.37% p.a.	-3.53% p.a.
Above 80% and less than or equal to 90%	6.09% p.a.	6.47% p.a.	9.37% p.a.	-3.28% p.a.
More than 90%	8.97% p.a.	9.32% p.a.	9.37% p.a.	-0.40% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	5.79% p.a.	6.18% p.a.	9.37% p.a.	-3.58% p.a.
Above 60% and less than or equal to 80%	5.84% p.a.	6.22% p.a.	9.37% p.a.	-3.53% p.a.
Above 80% and less than or equal to 90%	6.09% p.a.	6.47% p.a.	9.37% p.a.	-3.28% p.a.
More than 90%	8.97% p.a.	9.32% p.a.	9.37% p.a.	-0.40% p.a.

Term	LVR^{^}	Interest Rate	Comparison Rate^*
1 year	60% or less	5.84% p.a.	6.36% p.a.
	Above 60% and less than or equal to 80%	5.84% p.a.	6.40% p.a.
	Above 80% and less than or equal to 90%	6.14%p.a.	6.65%p.a.
	More than 90%	6.64%p.a.	9.05%p.a.
2 year	60% or less	5.34% p.a.	6.25% p.a.
	Above 60% and less than or equal to 80%	5.34% p.a.	6.29% p.a.
	Above 80% and less than or equal to 90%	5.54%p.a.	6.52%p.a.
	More than 90%	6.29%p.a.	8.74%p.a.
3 year	60% or less	5.34% p.a.	6.19% p.a.
	Above 60% and less than or equal to 80%	5.34% p.a	6.23% p.a
	Above 80% and less than or equal to 90%	5.44%p.a.	6.43%p.a.
	More than 90%	6.09%p.a.	8.44%p.a.
4 year	60% or less	5.64% p.a.	6.25% p.a.
	Above 60% and less than or equal to 80%	5.64% p.a.	6.28% p.a.
	Above 80% and less than or equal to 90%	5.74%p.a.	6.47%p.a.
	More than 90%	6.34%p.a.	8.30%p.a.
5 year	60% or less	5.64% p.a.	6.22% p.a.
	Above 60% and less than or equal to 80%	5.64% p.a.	6.25% p.a.
	Above 80% and less than or equal to 90%	5.74%p.a.	6.43%p.a.
	More than 90%	6.34%p.a.	8.11%p.a.

Interest Only
Rates.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	8.46% p.a.	8.51% p.a.	9.57% p.a.	-1.11% p.a.
Above 60% and less than or equal to 80%	8.46% p.a.	8.57% p.a.	9.57% p.a.	-1.11% p.a.
Above 80% and less than or equal to 90%	9.57% p.a.	9.04% p.a.	9.57% p.a.	0.00% p.a.
More than 90%	9.57% p.a.	9.22% p.a.	9.57% p.a.	0.00% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	7.42% p.a.	6.90% p.a.	9.57% p.a.	-2.15% p.a.
Above 60% and less than or equal to 80%	7.42% p.a.	6.90% p.a.	9.57% p.a.	-2.15% p.a.
Above 80% and less than or equal to 90%	9.57% p.a.	8.04% p.a.	9.57% p.a.	0.00% p.a.
More than 90%	9.57% p.a.	8.93% p.a.	9.57% p.a.	0.00% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	7.37% p.a.	6.79% p.a.	9.57% p.a.	-2.20% p.a.
Above 60% and less than or equal to 80%	7.37% p.a.	6.82% p.a.	9.57% p.a.	-2.20% p.a.
Above 80% and less than or equal to 90%	9.57% p.a.	7.98% p.a.	9.57% p.a.	0.00% p.a.
More than 90%	9.57% p.a.	8.93% p.a.	9.57% p.a.	0.00% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	7.37% p.a.	6.79% p.a.	9.57% p.a.	-2.20% p.a.
Above 60% and less than or equal to 80%	7.37% p.a.	6.82% p.a.	9.57% p.a.	-2.20% p.a.
Above 80% and less than or equal to 90%	9.57% p.a.	7.98% p.a.	9.57% p.a.	0.00% p.a.
More than 90%	9.57% p.a.	8.93% p.a.	9.57% p.a.	0.00% p.a.

Term	LVR^{^}	Interest Rate	Comparison Rate^*
1 year	60% or less	7.09% p.a.	6.30% p.a.
	Above 60% and less than or equal to 80%	7.09% p.a.	6.30% p.a.
	Above 80% and less than or equal to 90%	7.34%p.a.	6.51%p.a.
	More than 90%	7.44%p.a.	8.00%p.a.
2 year	60% or less	6.79% p.a.	6.36% p.a.
	Above 60% and less than or equal to 80%	6.79% p.a.	6.36% p.a.
	Above 80% and less than or equal to 90%	6.79%p.a.	6.53%p.a.
	More than 90%	6.89%p.a.	7.86%p.a.
3 year	60% or less	6.59% p.a.	6.40% p.a.
	Above 60% and less than or equal to 80%	6.59% p.a	6.40% p.a
	Above 80% and less than or equal to 90%	6.49%p.a.	6.51%p.a.
	More than 90%	6.59%p.a.	7.70%p.a.
4 year	60% or less	6.99% p.a.	6.61% p.a.
	Above 60% and less than or equal to 80%	6.99% p.a.	6.61% p.a.
	Above 80% and less than or equal to 90%	6.79%p.a.	6.67%p.a.
	More than 90%	6.89%p.a.	7.73%p.a.
5 year	60% or less	7.19% p.a.	6.79% p.a.
	Above 60% and less than or equal to 80%	7.19% p.a.	6.79% p.a.
	Above 80% and less than or equal to 90%	6.99%p.a.	6.82%p.a.
	More than 90%	7.09%p.a.	7.76%p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	8.51% p.a.	8.65% p.a.	9.82% p.a.	-1.31% p.a.
Above 60% and less than or equal to 80%	8.51% p.a.	8.65% p.a.	9.82% p.a.	-1.31% p.a.
Above 80% and less than or equal to 90%	8.71% p.a.	8.75% p.a.	9.82% p.a.	-1.11% p.a.
More than 90%	9.82% p.a.	9.73% p.a.	9.82% p.a.	0.00% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	6.09% p.a.	6.42% p.a.	9.82% p.a.	-3.73% p.a.
Above 60% and less than or equal to 80%	6.14% p.a.	6.47% p.a.	9.82% p.a.	-3.68% p.a.
Above 80% and less than or equal to 90%	6.54% p.a.	6.78% p.a.	9.82% p.a.	-3.28% p.a.
More than 90%	9.82% p.a.	9.73% p.a.	9.82% p.a.	0.00% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	5.89% p.a.	6.22% p.a.	9.82% p.a.	-3.93% p.a.
Above 60% and less than or equal to 80%	5.94% p.a.	6.27% p.a.	9.82% p.a.	-3.88% p.a.
Above 80% and less than or equal to 90%	6.29% p.a.	6.56% p.a.	9.82% p.a.	-3.53% p.a.
More than 90%	9.82% p.a.	9.73% p.a.	9.82% p.a.	0.00% p.a.

Loan to value ratio^{^}	Interest rate^≠	Comparison rate^*	Reference rate	Discount/Margin
60% or less	5.89% p.a.	6.22% p.a.	9.82% p.a.	-3.93% p.a.
Above 60% and less than or equal to 80%	5.94% p.a.	6.27% p.a.	9.82% p.a.	-3.88% p.a.
Above 80% and less than or equal to 90%	6.29% p.a.	6.56% p.a.	9.82% p.a.	-3.53% p.a.
More than 90%	9.82% p.a.	9.73% p.a.	9.82% p.a.	0.00% p.a.

Term	LVR^{^}	Interest Rate	Comparison Rate^*
1 year	60% or less	5.94% p.a.	6.37% p.a.
	Above 60% and less than or equal to 80%	5.94% p.a.	6.41% p.a.
	Above 80% and less than or equal to 90%	6.14%p.a.	6.65%p.a.
	More than 90%	6.94%p.a.	9.08%p.a.
2 year	60% or less	5.44% p.a.	6.27% p.a.
	Above 60% and less than or equal to 80%	5.44% p.a.	6.30% p.a.
	Above 80% and less than or equal to 90%	5.64%p.a.	6.54%p.a.
	More than 90%	6.29%p.a.	8.74%p.a.
3 year	60% or less	5.44% p.a.	6.22% p.a.
	Above 60% and less than or equal to 80%	5.44% p.a	6.25% p.a
	Above 80% and less than or equal to 90%	5.54%p.a.	6.46%p.a.
	More than 90%	6.39%p.a.	8.53%p.a.
4 year	60% or less	5.74% p.a.	6.28% p.a.
	Above 60% and less than or equal to 80%	5.74% p.a.	6.31% p.a.
	Above 80% and less than or equal to 90%	5.84%p.a.	6.50%p.a.
	More than 90%	6.29%p.a.	8.28%p.a.
5 year	60% or less	5.74% p.a.	6.26% p.a.
	Above 60% and less than or equal to 80%	5.74% p.a.	6.29% p.a.
	Above 80% and less than or equal to 90%	5.84%p.a.	6.47%p.a.
	More than 90%	6.29%p.a.	8.09%p.a.

Fees and other important deets

For a full list of fees and charges that could apply please refer to our lending guide for fees and charges.

Contact ME.

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.

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Talk to ME.

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

1300 540 181

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Doing it tough?

If something unexpected has you struggling to make your repayments, get in touch.

Financial hardship

FAQ's

Help ME do the maths.

Ready to crunch some numbers? Compare your options with these handy calculators.

Borrowing power.

Suss out your borrowing capacity so you can start planning that house purchase.

Calculate my borrowing power

Loan repayments.

Weigh up your home loan options to see how much your repayments could be.

Calculate my repayments

Stamp duty.

Stamp duty differs from state to state. Find out how much you could be up for.

Calculate my stamp duty

Keen to learn more?

Explore The Feed. From home loans to general finance, get better at money with ME.

The home buying process.

Learn these 10 steps to becoming a homeowner, from budgeting to moving in.

Learn the steps

Nailing your application.

Grab a pen and note down our 9- step checklist. Or just call ME instead.

See the checklist

Deciphering the jargon.

Understand home loan lingo so you can speak fluent ‘bank’.

Learn the jargon

EconoME

Looking for a more basic home loan with all the flexibility but less of the frills?

EconoME offers all the essentials without any excess baggage, giving you everything you need (and nothing you don’t). Pay no annual fees, and manage it conveniently from the ME Go banking app.

Learn more

The legal stuff.

Home Loan Terms and Conditions

CompleteME Home Loan Target Market Determinations

Interest rates are current as at 15-Jun-2025 and are subject to change.

Terms, conditions, fees and charges apply. Applications are subject to credit approval. Solicitor, valuation and agent fees may apply.

* 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.

^ Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100. The LVR value compares the amount you have owning on your home loan against the actual value of your property. For example, if your property was valued at $400,000 and your loan amount was $340,000, your LVR would be 85%.

≠ The variable interest rate may include a discount or margin that is applied to the product’s variable base 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.

Maximum LVR^{^}	Up to 90% of the property Value
Loan Term	30 years
Minimum	$20,000
Repayment options	Weekly, fortnightly or monthly
Interest only payments – investor	Up to 10 years
Interest only payments – Owner Occupier	Up to 5 years

Fee Name	Fee
Annual Fee	$395 - The Annual Fee is payable on the settlement date or product switch date of your first CompleteME Home Loan, and then annually from this date. The fee will become payable under a loan when all earlier loans have been closed. It will continue to be payable annually on the same date it was payable on the previous loan.
Settlement Fee	$150 - Payable for completing settlement of your loan.
Valuation Fee	Any valuation that forms part of your application is included up to the extent that the valuation costs we incur exceed $300.
Rate Lock	$750 - Payable if you elect to lock in your interest rate on a fixed rate loan. We will hold the interest rate for 90 days from the date we process your request. If your loan settles after  90 days, and the fixed rate has increased, the rate that is current on the day of settlement will apply.

CompleteME Home Loan

Found the right home?

CompleteME

100% offset account.

Pay your loan off sooner.

Make ME yours.

Manage ME from the palm of your hand.

Pay less interest with 100% offset.

Run ME through the rates

Owner Occupier Rates.

Principal and Interest - Variable <$150K

Principal and Interest - Variable $150K - $400K

Principal and Interest - Variable $400K - $700K

Principal and Interest - Variable >$700K

Principal and Interest - Fixed Rate

Investor Rates.

Principal and Interest - Variable <$150K

Principal and Interest - Variable $150K - $400K

Principal and Interest - Variable $400K - $700K

Principal and Interest - Variable >$700K

Principal and Interest - Fixed Rate

Interest Only Rates.

Owner Occupier - Variable <$150K

Owner Occupier - Variable $150K - $400K

Owner Occupier - Variable $400K - $700K

Owner Occupier - Variable >$700K

Owner Occupier - Fixed Rate

Investor - Variable <$150K

Investor - Variable $150K - $400K

Investor - Variable $400K - $700K

Investor - Variable >$700K

Investor - Fixed Rate

Fees and other important deets

Loan details at a glance.

Upfront fees

Contact ME.

Join ME.

Talk to ME.

Not happy with ME?

Doing it tough?

FAQ's

What kind of home loan is CompleteME?

What is the difference between a CompleteME and EconoME home loan?

How do I apply for a CompleteME Home Loan?

Help ME do the maths.

Borrowing power.

Loan repayments.

Stamp duty.

Keen to learn more?

The home buying process.

Nailing your application.

Deciphering the jargon.

EconoME

EconoME

Looking for a more basic home loan with all the flexibility but less of the frills?

The legal stuff.

The legal stuff.

Found the
right home?

Investor
Rates.

Interest Only
Rates.