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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
6.55%p.a.2
2-Year Fixed Rate - Flexible Home Loan with Member Package6. New owner occupier, principal and interest, >70 to ≤80% LVR5
$3,000 will put a spring in your step.7
Enjoy the flexibility of extra cash in your back pocket when you refinance to ME.
Available to owner occupiers and investors on all ME home loan products if you:
- Apply from 08/09/2023, and settle within 120 days of the loan application date
- Switch your 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.
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Found a great rate? Pin it down. A fixed rate on our Flexible Home Loan 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 $500 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 (up to $30,000) without incurring a prepayment fee.
Save more with a good as gold member package.
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Add on a member package to your fixed rate home loan for just $395 per year and get a whole bundle of savings.
Lower fixed interest rate.
Get an extra discount on our low fixed rates.
No valuation fee.
Save $200 on your valuation fee.
No top-up fee.
No top-up fee means you save $250.
Interest rates.
See all Owner Occupied and Investor fixed home loan rates.
See all rates
Fixed Rates - Flexible Home Loan with Member Package6 for Owner Occupiers
| Term |
LVR5 |
Interest Rate1 |
Comparison Rate2 |
| 1 year |
50% or less |
6.19% p.a. |
6.66% p.a. |
| |
Above 60% and less than or equal to 70% |
6.19% p.a. |
6.66% p.a. |
| |
Above 70% and less than or equal to 80% |
6.19% p.a. |
6.66% p.a. |
| |
Above 80% and less than or equal to 90% |
6.39% p.a. |
6.86% p.a. |
| |
More than 90% |
7.34% p.a. |
8.43% p.a. |
| 2 year |
50% or less |
5.69% p.a. |
6.55% p.a. |
| |
Above 60% and less than or equal to 70% |
5.69% p.a. |
6.55% p.a. |
| |
Above 70% and less than or equal to 80% |
5.69% p.a. |
6.55% p.a. |
| |
Above 80% and less than or equal to 90% |
5.89% p.a. |
6.75% p.a. |
| |
More than 90% |
6.49% p.a. |
8.17% p.a. |
Fixed Rates - Flexible Home Loan with Member Package6 for Investors
| Term |
LVR1 |
Interest Rate |
Comparison Rate3 |
| 1 year |
50% or less |
6.39% p.a. |
6.86% p.a. |
| |
Above 50% and less than 60% |
6.39% p.a. |
6.86% p.a. |
| |
Above 60% and less than or equal to 70% |
6.39% p.a. |
6.91% p.a. |
| |
Above 70% and less than or equal to 80% |
6.39% p.a. |
6.91% p.a. |
| |
Above 80% and less than or equal to 90% |
6.59% p.a. |
7.15% p.a. |
| 2 year |
50% or less |
5.89% p.a. |
6.75% p.a. |
| |
Above 50% and less than 60% |
5.89% p.a. |
6.75% p.a. |
| |
Above 60% and less than or equal to 70% |
5.89% p.a. |
6.79% p.a. |
| |
Above 70% and less than or equal to 80% |
5.89% p.a. |
6.79% p.a. |
| |
Above 80% and less than or equal to 90% |
5.99% p.a. |
7.01% p.a. |
Top facts
Borrowing capacity
Up to 95% of property value
Repayment options
Weekly, fortnightly or monthly
Owner occupier
Up to 5 years.
Fees that may be payable before you settle
Member Package fee (optional)
$395 yearly
Lender's Mortgage Insurance (LMI)
Cost varies
Government fees and charges
Differ by state
Fees that may be payable after you settle
Search fees
Differ by state
Security substitution fee
$350
Consent to a dealing fee
$250
Government fees and charges
As applicable per state
Lender's Mortgage Insurance (LMI)
Cost varies
Subdivision approval valuation fee
Cost varies
Productions of title fee
$250
Telegraphic transfer fee
$30
Security discharge preparation fee
$350
Prepayment fee
As per quote
Interested in applying for a fixed rate home loan?
Big decisions like a new Fixed Home Loan don’t happen overnight. 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
Mon–Fri 8am–8pm (AEST/AEDT)
Sat 9am–6pm (AEST/AEDT)
Interested in applying for a fixed rate home loan?
Big decisions like a new Fixed Home Loan don’t happen overnight. 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
Mon–Fri 8am–8pm (AEST/AEDT)
Sat 9am–6pm (AEST/AEDT)
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 9am-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.
Calculate with ME.
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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! Under ME’s Flexible Home Loan, you can secure yourself a fixed rate home loan. The security of a fixed rate loan, coupled with the flexibility of ME’s Flexible Home Loan, gives more power to you.
Is it better to get a fixed or variable home loan?
As above, 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.
- Interest rates are current as at
15-Dec-2024 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.
- 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.
- Solicitor, valuation and agent fees may apply.
- The repayments quoted in this calculator are based on the inputs that you have populated and should be used as a guide only. When calculating repayments for a variable interest rate, we have assumed that the rate stays the same for the duration of the loan term, as we cannot predict future rate changes. The repayments quoted for fixed interest rates are only applicable for the duration of the initial fixed rate period. Any applicable fees and charges or other amounts that may be charged to your loan (e.g. Lenders Mortgage Insurance if you are borrowing more than 80% of the value of your property) have not been included in these calculations.
- Loan to Value Ratio (LVR) compares the amount you have owing on your 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%.
- Member Package annual fee of $395 applies.
- 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%. 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). This offer is available to Owner Occupier and Investors on all ME home loan products but is not available to applications for owner-occupied loans with interest only repayments. A home loan application involving both a purchase and refinance is not eligible.
Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers. In the case of multiple qualifying applications, only one cash back will be paid per separate security property. The cash back amount will be paid within 60 days of loan settlement into the ME Everyday Transaction Account (ETA) held by the borrower first listed on the application. In the event the first listed borrower doesn’t hold an ETA, the cash back will be credited to the home loan it applies to. Terms, conditions, fees, and charges apply. Applications are subject to credit approval. The offer can be withdrawn or varied at any time.
*Fee does not apply if you have a Member Package.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.