skip to content
Don't like surprises? Lock in a low fixed interest rate for certainty and peace of mind.
Fixed rate home loan.
Don't like surprises? Lock in a low fixed interest rate for certainty and peace of mind.
Comparison rate
6.06%p.a.2
2-Year Fixed Rate - CompleteME Home Loan. New owner occupier, principal and interest, >60 to ≤80% LVR.3
$3,000 back in your pocket6
Enjoy the flexibility of extra cash in your back pocket when you refinance your home loan to ME.
Available to owner occupiers and investors on all ME home loan products if they:
- Apply from 15/06/2024, and settle within 120 days of the loan application date
- Switch their existing home loan from another lender
- Take out a home loan with a minimum size of $700k and maximum LVR of 80%
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.
See all rates
Fixed Rates - EconoME Home Loan for Owner Occupiers
| Term |
LVR3 |
Interest Rate |
Comparison Rate2 |
| 1 year |
0% to 60% |
6.04% p.a. |
5.64% p.a. |
| |
60.01% to 70% |
6.04% p.a. |
5.64% p.a. |
| |
70.01% to 80% |
6.04%p.a. |
5.69%p.a. |
| |
80.01% to 90% |
6.39%p.a. |
5.91%p.a. |
| |
90.01% to 95% |
7.34%p.a. |
7.29%p.a. |
| 2 year |
0% to 60% |
5.79% p.a. |
5.64% p.a. |
| |
60.01% to 70% |
5.79% p.a. |
5.64% p.a. |
| |
70.01% to 80% |
5.79%p.a. |
5.68%p.a. |
| |
80.01% to 90% |
6.14%p.a. |
5.91%p.a. |
| |
90.01% to 95% |
6.74%p.a. |
7.18%p.a. |
| 3 year |
0% to 60% |
5.94% p.a. |
5.70% p.a. |
| |
60.01% to 70% |
5.94% p.a |
5.70% p.a |
| |
70.01% to 80% |
5.94%p.a. |
5.73%p.a. |
| |
80.01% to 90% |
6.19%p.a. |
5.95%p.a. |
| |
90.01% to 95% |
6.84%p.a. |
7.16%p.a. |
| 4 year |
0% to 60% |
6.24% p.a. |
5.83% p.a. |
| |
60.01% to 70% |
6.24% p.a. |
5.83% p.a. |
| |
70.01% to 80% |
6.24%p.a. |
5.87%p.a. |
| |
80.01% to 90% |
6.49%p.a. |
6.09%p.a. |
| |
90.01% to 95% |
6.99%p.a. |
7.18%p.a. |
| 5 year |
0% to 60% |
6.24% p.a. |
5.88% p.a. |
| |
60.01% to 70% |
6.24% p.a. |
5.88% p.a. |
| |
70.01% to 80% |
6.24%p.a. |
5.91%p.a. |
| |
80.01% to 90% |
6.49%p.a. |
6.14%p.a. |
| |
90.01% to 95% |
7.14%p.a. |
7.23%p.a. |
Fixed Rates - EconoME Home Loan for Investors
| Term |
LVR3 |
Interest Rate |
Comparison Rate2 |
| 1 year |
0% to 60% |
6.24% p.a. |
5.75% p.a. |
| |
60.01% to 70% |
6.24% p.a. |
5.75% p.a. |
| |
70.01% to 80% |
6.24%p.a. |
5.81%p.a. |
| |
80.01% to 90% |
6.54%p.a. |
6.15%p.a. |
| |
90.01% to 95% |
7.04%p.a. |
7.71%p.a. |
| 2 year |
0% to 60% |
5.95% p.a. |
5.75% p.a. |
| |
60.01% to 70% |
5.95% p.a. |
5.75% p.a. |
| |
70.01% to 80% |
5.95%p.a. |
5.80%p.a. |
| |
80.01% to 90% |
6.15%p.a. |
6.12%p.a. |
| |
90.01% to 95% |
6.90%p.a. |
7.61%p.a. |
| 3 year |
0% to 60% |
6.14% p.a. |
5.82% p.a. |
| |
60.01% to 70% |
6.14% p.a |
5.82% p.a |
| |
70.01% to 80% |
6.14%p.a. |
5.87%p.a. |
| |
80.01% to 90% |
6.24%p.a. |
6.15%p.a. |
| |
90.01% to 95% |
6.89%p.a. |
7.53%p.a. |
| 4 year |
0% to 60% |
6.44% p.a. |
5.97% p.a. |
| |
60.01% to 70% |
6.44% p.a. |
5.97% p.a. |
| |
70.01% to 80% |
6.44%p.a. |
6.01%p.a. |
| |
80.01% to 90% |
6.54%p.a. |
6.27%p.a. |
| |
90.01% to 95% |
7.14%p.a. |
7.55%p.a. |
| 5 year |
0% to 60% |
6.44% p.a. |
6.03% p.a. |
| |
60.01% to 70% |
6.44% p.a. |
6.03% p.a. |
| |
70.01% to 80% |
6.44%p.a. |
6.06%p.a. |
| |
80.01% to 90% |
6.54%p.a. |
6.30%p.a. |
| |
90.01% to 95% |
7.14%p.a. |
7.50%p.a. |
Fixed Rates - CompleteME Home Loan for Owner Occupiers
| Term |
LVR3 |
Interest Rate |
Comparison Rate2 |
| 1 year |
0% to 60% |
6.04% p.a. |
6.02% p.a. |
| |
60.01% to 70% |
6.04% p.a. |
6.07% p.a. |
| |
70.01% to 80% |
6.04% p.a. |
6.07% p.a. |
| |
80.01% to 90% |
6.39%p.a. |
6.28%p.a. |
| |
90.01% to 95% |
7.34%p.a. |
7.99%p.a. |
| 2 year |
0% to 60% |
5.79% p.a. |
6.02% p.a. |
| |
60.01% to 70% |
5.79% p.a. |
6.06% p.a. |
| |
70.01% to 80% |
5.79% p.a. |
6.06% p.a. |
| |
80.01% to 90% |
6.14%p.a. |
6.28%p.a. |
| |
90.01% to 95% |
6.74%p.a. |
7.83%p.a. |
| 3 year |
0% to 60% |
5.94% p.a. |
6.08% p.a. |
| |
60.01% to 70% |
5.94% p.a |
6.11% p.a |
| |
70.01% to 80% |
5.94% p.a |
6.11% p.a |
| |
80.01% to 90% |
6.19%p.a. |
6.32%p.a. |
| |
90.01% to 95% |
6.84%p.a. |
7.78%p.a. |
| 4 year |
0% to 60% |
6.24% p.a. |
6.21% p.a. |
| |
60.01% to 70% |
6.24% p.a. |
6.24% p.a. |
| |
70.01% to 80% |
6.24% p.a. |
6.24% p.a. |
| |
80.01% to 90% |
6.49%p.a. |
6.46%p.a. |
| |
90.01% to 95% |
6.99%p.a. |
7.77%p.a. |
| 5 year |
0% to 60% |
6.24% p.a. |
6.26% p.a. |
| |
60.01% to 70% |
6.24% p.a. |
6.29% p.a. |
| |
70.01% to 80% |
6.24% p.a. |
6.29% p.a. |
| |
80.01% to 90% |
6.49%p.a. |
6.51%p.a. |
| |
90.01% to 95% |
7.14%p.a. |
7.78%p.a. |
Fixed Rates - CompleteME Home Loan for Investors
| Term |
LVR3 |
Interest Rate |
Comparison Rate2 |
| 1 year |
0% to 60% |
6.24% p.a. |
6.13% p.a. |
| |
60.01% to 70% |
6.24% p.a. |
6.22% p.a. |
| |
70.01% to 80% |
6.24% p.a. |
6.22% p.a. |
| |
80.01% to 90% |
6.54%p.a. |
6.52%p.a. |
| |
90.01% to 95% |
7.04%p.a. |
9.09%p.a. |
| 2 year |
0% to 60% |
5.95% p.a. |
6.13% p.a. |
| |
60.01% to 70% |
5.95% p.a. |
6.21% p.a. |
| |
70.01% to 80% |
5.95% p.a. |
6.21% p.a. |
| |
80.01% to 90% |
6.15%p.a. |
6.48%p.a. |
| |
90.01% to 95% |
6.90%p.a. |
8.87%p.a. |
| 3 year |
0% to 60% |
6.14% p.a. |
6.20% p.a. |
| |
60.01% to 70% |
6.14% p.a |
6.27% p.a |
| |
70.01% to 80% |
6.14% p.a |
6.27% p.a |
| |
80.01% to 90% |
6.24%p.a. |
6.51%p.a. |
| |
90.01% to 95% |
6.89%p.a. |
8.67%p.a. |
| 4 year |
0% to 60% |
6.44% p.a. |
6.35% p.a. |
| |
60.01% to 70% |
6.44% p.a. |
6.41% p.a. |
| |
70.01% to 80% |
6.44% p.a. |
6.41% p.a. |
| |
80.01% to 90% |
6.54%p.a. |
6.64%p.a. |
| |
90.01% to 95% |
7.14%p.a. |
8.60%p.a. |
| 5 year |
0% to 60% |
6.44% p.a. |
6.40% p.a. |
| |
60.01% to 70% |
6.44% p.a. |
6.46% p.a. |
| |
70.01% to 80% |
6.44% p.a. |
6.46% p.a. |
| |
80.01% to 90% |
6.54%p.a. |
6.67%p.a. |
| |
90.01% to 95% |
7.14%p.a. |
8.47%p.a. |
Loan details at a glance.
| Maximum LVR^ |
Up to 95% 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 |
EconoME upfront fees
| Fee Name |
Fee |
| 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. |
| Annual Fee |
$0 |
Depending on how you use your loan, you may have to pay
other fees and charges.
CompleteME upfront fees
| 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. |
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
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
Good chat.
Have home loan questions? We offer a number of ways to get in touch with us for high quality support.
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
Calculate with ME.
![]()
Determine the loan, get the home – compare your options with these practical calculators.
Want to learn more? Explore The Feed.
![]()
From home loans to general finance, learn more with ME.
Frequently asked questions.
How does a fixed rate home loan work?
Securing a fixed rate also secures a consistent rate. With a fixed rate home loan, the interest you pay with your repayments remains the same over the fixed period. With ME, you’ll be able to sleep well knowing the amount you repay won’t change.
Is a fixed rate loan a good thing?
With a fixed rate home loan, you can relax with the security of knowing that your repayments won’t change during the fixed period. Under a fixed rate home loan with ME, you’ll also have more power to choose what fits you. Whether that’s a 100% fixed rate or a split between fixed and variable is entirely up to you.
Can you get a fixed rate home loan?
Yes! With ME’s
EconoMe Home Loan and
CompleteME Home Loan you can secure yourself a fixed rate. The security of a fixed rate loan, coupled with the flexibility of ME’s Home Loans, gives more power to you.
Is it better to get a fixed or variable home loan?
There’s no right answer in the fixed vs variable rate. However, with a fixed rate you’ll at least have the certainty of the same payments each time. If you’re unsure, you can always split your loan so that you opt for some variable and some fixed rates – and you can even choose what % of each you’d like.
Looking for a variable rate?
The legal stuff.
The legal stuff.
Home Loan Terms and Conditions
CompleteME Home Loan Target Market Determinations
EconoME Home Loan Target Market Determinations
Interest rates are current as at
15-Feb-2026 and are subject to change. Terms, conditions, fees and charges apply. Applications are subject to credit approval. Solicitor, valuation and agent fees may apply.
(1) 2-Year Fixed Rate ─ CompleteME Home Loan. New owner occupier, principal and interest, max 60% LVR.
(2) 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.
(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. 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%.
(6) ME Cashback terms and conditions. A $3,000 cash back offer is available on refinances of an existing home loan from another financial institution with a minimum new lending of $700,000 and a loan to value ratio (LVR) of up to 80%. This minimum amount cannot be split across multiple applications. To be eligible for this offer, applications must be received from 15 June 2024 and settle within 120 days of the loan application date. This offer is not available where any of the loan proceeds are for the refinance, restructure, switches, or top ups of home loans from ME or from other lenders within the Bank of Queensland (BOQ) Group which includes BOQ, BOQ Specialist and Virgin Money (Australia).