Fixed rate home loan.
Don't like surprises? Lock in a low fixed interest rate for certainty and peace of mind.{sub-heading}
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Variable rate
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2-Year Fixed Rate - EconoME Home Loan. New owner occupier, principal and interest, max 60% LVR.4
Get up to $3,000 cashback.
Whether you're buying a new home or refinancing, you could get up to $3,000 cashback with a ME home loan.
- Get $3,000 cashback when you refinance from another lender, borrow $700,000 or more, and have a loan-to-value ratio (LVR) of 80% or less.6
- Get $2,000 cashback when you buy a new home or refinance an eligible home loan with an LVR above 80% and a minimum loan size of $400,000.37
- Apply between 18/08/2026 and 28/02/2027 and settle within 120 days of the application date.
Benefits of a loan that fits your life.
Found a great rate? Pin it down. A fixed rate gives you plenty of options to tinker with.
Rate certainty.
With a fixed rate home loan, you’ll enjoy peace of mind knowing that your repayments won’t change during the fixed period (1–5 years).
Rate lock.
Add a rate lock option for $750 for certainty against rates rising before the settlement date.
Split your loan.
Choose a 100% fixed home loan, or split your home loan with a fixed portion for 1–5 years – the split is totally up to you.
Pay on your own time.
Choose to repay your fixed rate home loan weekly, fortnightly or monthly.
Pay interest only.
Options to pay interest only for up to 5 years – or up to 10 if you’re investing.
Extra repayments.
Pay off your loan sooner with extra repayments into the fixed portion of your home loan without incurring a prepayment fee.
Interest rates.
See all Owner Occupied and Investor fixed home loan rates.
Fixed Rates - EconoME Home Loan for Owner Occupiers
Fixed Rates - EconoME Home Loan for Investors
Fixed Rates - CompleteME Home Loan for Owner Occupiers
Fixed Rates - CompleteME Home Loan for Investors
Fees and other important details
For a full list of fees and charges that could apply please refer to our lending guide for fees and charges.
Loan details at a glance.
EconoMe upfront fee
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Depending on how you use your loan, you may have to pay other fees and charges.
CompleteMe upfront fee
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Depending on how you use your loan, you may have to pay other fees and charges.
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
Need help with an existing loan?
Already have a ME home loan? Visit our Home Loan Help Centre for helpful information and self-service options. If you can't find what you're looking for, give ME a call on 13 15 63. It's the quickest way to get the help you need from our team.
Home Loan Help Centre{small-button}
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Good chat.
Have home loan questions? We offer a number of ways to get in touch with us for high quality support.
Join ME.
Want to find out more? Just let us know a few things about yourself and we will be in touch.
Meet ME.
Find a local home loan specialist in your area – then meet in a way that best suits you.
Calculate with ME.
Determine the loan, get the home – compare your options with these practical calculators.
Borrowing power.
Learn your limits – suss out your borrowing capacity so you can start planning that purchase.
Loan repayments.
Weigh up your home loan options to see how much your repayments could be.
Compare loans
Compare home rates and features side by side with our nifty comparison calculator.
Want to learn more? Explore The Feed.
From home loans to general finance, learn more with ME.
What’s a fixed rate?
Consistent interest rates are just the tip of the iceberg. Read up on everything you need to know about a fixed rate loan.
Why should I be comparing loans?
Find out how to compare home loans to get the best deal for you.
Home loan repayments 101
You can get on top of your repayments by understanding them better. Here are a few things to help you better understand them.
Frequently asked questions.
How does a fixed rate home loan work?
Is a fixed rate loan a good thing?
Can you get a fixed rate home loan?
Is it better to get a fixed or variable home loan?
Looking for a variable rate?
Enjoy variety? Explore your options with a variable interest rate home loan.
