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ME’s Flexible Home Loan – get a loan that fits your lifestyle.
Flexible Home Loan.
ME’s Flexible Home Loan – get a loan that fits your lifestyle.
Comparison rate
6.08%p.a.2
Flexible Home Loan with Member Package3. New owner occupier, principal and interest, >70 to ≤80% LVR, loan size $400K+
Benefits of a loan that fits your life.
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Our Flexible Home Loan gives you plenty of options to tinker with.
Offset account.
Let your savings reduce your interest with a 100% offset account. This means that every dollar in the offset account goes towards offsetting the interest from your home loan.
Learn about an offset account Flexible options
Go variable, fix for 1–5 years, or split your loan to do both. Choose what works best for your lifestyle.
Other benefits you'll get with ME.
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Pay early.
Pay your variable rate loan off as early as you want –with no penalty.
Interest only.
Option to pay interest-only for up to 5 years – or up to 10 if you’re investing.
Free redraws.
Get cash for emergencies from available funds if you’re ahead on payments (minimum $500).
Repayment holiday.
Apply to take a break from repayments when the unexpected happens, if you're ahead on your repayments.
Save more with a member package.
Add on a member package for just $395 a year and get a whole bundle of savings.
Lower variable interest rate.
Save up to 1.20% p.a.
Lower fixed interest rate.
Get an extra discount on our low 2-year fixed rates. Learn more here.
More benefits with the member package.
No valuation fee. Save $200.
No top-up fee. Save $250.
Flexible Home Loan - Principal and interest
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 80% or less |
8.15% p.a. |
8.17% p.a. |
8.07% p.a. |
+0.08% p.a. |
| Above 80% and less than or equal to 90% |
8.36% p.a. |
8.38% p.a. |
8.07% p.a. |
+0.29% p.a. |
| More than 90% |
8.36% p.a. |
8.38% p.a. |
8.07% p.a. |
+0.29% p.a. |
Flexible Home Loan Member Package4 - Principal and Interest - Loan amount <$150k
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 50% or less |
7.88% p.a. |
8.25% p.a. |
7.87% p.a. |
+0.01% p.a. |
| Above 50% and less than 60% |
7.88% p.a. |
8.25% p.a. |
7.87% p.a. |
+0.01% p.a. |
| Above 60% and less than or equal to 70% |
7.88% p.a. |
8.25% p.a. |
7.87% p.a. |
+0.01% p.a |
| Above 70% and less than or equal to 80% |
8.00% p.a. |
8.37% p.a. |
7.87% p.a. |
+0.13% p.a. |
| Above 80% and less than or equal to 90% |
7.86% p.a. |
8.23% p.a. |
7.87% p.a. |
-0.01% p.a. |
| More than 90% |
8.21% p.a. |
8.57% p.a |
7.87% p.a. |
+0.34% p.a. |
Flexible Home Loan Member Package4 - Principal and interest - Loan amount ≥$150k - <$400k
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 50% or less |
5.78% p.a. |
6.17% p.a. |
7.87% p.a. |
-2.09% p.a. |
| Above 50% and less than 60% |
5.78% p.a. |
6.17% p.a. |
7.87% p.a. |
-2.09% p.a. |
| Above 60% and less than or equal to 70% |
5.78% p.a. |
6.17% p.a. |
7.87% p.a. |
-2.09% p.a. |
| Above 70% and less than or equal to 80% |
5.78% p.a. |
6.17% p.a. |
7.87% p.a. |
-2.09% p.a. |
| Above 80% and less than or equal to 90% |
5.99% p.a. |
6.38% p.a. |
7.87% p.a. |
-1.88% p.a. |
| More than 90% |
7.66% p.a. |
8.03% p.a |
7.87% p.a. |
-0.21% p.a. |
Flexible Home Loan Member Package4 - Principal and interest - Loan amount ≥$400k - <$700k
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 50% or less |
5.64% p.a. |
6.04% p.a. |
7.87% p.a. |
-2.23% p.a. |
| Above 50% and less than 60% |
5.64% p.a. |
6.04% p.a. |
7.87% p.a. |
-2.23% p.a. |
| Above 60% and less than or equal to 70% |
5.69% p.a. |
6.08% p.a. |
7.87% p.a. |
-2.18% p.a. |
| Above 70% and less than or equal to 80% |
5.69% p.a. |
6.08% p.a. |
7.87% p.a. |
-2.18% p.a. |
| Above 80% and less than or equal to 90% |
5.89% p.a. |
6.28% p.a. |
7.87% p.a. |
-1.98% p.a. |
| More than 90% |
7.66% p.a. |
8.03% p.a |
7.87% p.a. |
-0.21% p.a. |
Flexible Home Loan Member Package4 - Principal and interest - Loan amount ≥$700k
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 50% or less |
5.64% p.a. |
6.04% p.a. |
7.87% p.a. |
-2.23% p.a. |
| Above 50% and less than 60% |
5.64% p.a. |
6.04% p.a. |
7.87% p.a. |
-2.23% p.a. |
| Above 60% and less than or equal to 70% |
5.69% p.a. |
6.08% p.a. |
7.87% p.a. |
-2.18% p.a. |
| Above 70% and less than or equal to 80% |
5.69% p.a. |
6.08% p.a. |
7.87% p.a. |
-2.18% p.a. |
| Above 80% and less than or equal to 90% |
5.89% p.a. |
6.28% p.a. |
7.87% p.a. |
-1.98% p.a. |
| More than 90% |
7.66% p.a. |
8.03% p.a |
7.87% p.a. |
-0.21% p.a. |
Fixed Rates - Flexible Home Loan5
| Term |
LVR1 |
Interest Rate |
Comparison Rate3 |
| 1 year |
80% or less |
5.79% p.a. |
7.91% p.a. |
| |
Above 80% and less than or equal to 90% |
6.14% p.a. |
8.14% p.a. |
| |
More than 90% |
7.09%p.a. |
8.24%p.a. |
| 2 year |
80% or less |
5.29% p.a. |
7.58% p.a. |
| |
Above 80% and less than or equal to 90% |
5.64% p.a. |
7.81% p.a. |
| |
More than 90% |
6.24%p.a. |
7.94%p.a. |
| 3 year |
80% or less |
5.29% p.a. |
7.33% p.a. |
| |
Above 80% and less than or equal to 90% |
5.54% p.a |
7.54% p.a |
| |
More than 90% |
6.19%p.a. |
7.73%p.a. |
| 4 year |
80% or less |
5.59% p.a. |
7.21% p.a. |
| |
Above 80% and less than or equal to 90% |
5.84% p.a. |
7.43% p.a. |
| |
More than 90% |
6.34%p.a. |
7.61%p.a. |
| 5 year |
80% or less |
5.59% p.a. |
7.03% p.a. |
| |
Above 80% and less than or equal to 90% |
5.84% p.a. |
7.25% p.a. |
| |
More than 90% |
6.49%p.a. |
7.53%p.a. |
Fixed Rates - Flexible Home Loan with Member Package5
| Term |
LVR1 |
Interest Rate |
Comparison Rate3 |
| 1 year |
50% or less |
5.64% p.a. |
6.16% p.a. |
| |
Above 50% and less than 60% |
5.64% p.a. |
6.16% p.a. |
| |
Above 60% and less than or equal to 70% |
5.64% p.a. |
6.16% p.a. |
| |
Above 70% and less than or equal to 80% |
5.64% p.a. |
6.16% p.a. |
| |
Above 80% and less than or equal to 90% |
5.99% p.a. |
6.38% p.a. |
| |
More than 90% |
6.94% p.a. |
7.95% p.a. |
| 2 year |
50% or less |
5.14% p.a. |
6.05% p.a. |
| |
Above 50% and less than 60% |
5.14% p.a. |
6.05% p.a. |
| |
Above 60% and less than or equal to 70% |
5.14% p.a. |
6.05% p.a. |
| |
Above 70% and less than or equal to 80% |
5.14% p.a. |
6.05% p.a. |
| |
Above 80% and less than or equal to 90% |
5.49% p.a. |
6.28% p.a. |
| |
More than 90% |
6.09% p.a. |
7.70% p.a. |
| 3 year |
50% or less |
5.14% p.a. |
5.99% p.a. |
| |
Above 50% and less than 60% |
5.14% p.a. |
5.99% p.a. |
| |
Above 60% and less than or equal to 70% |
5.14% p.a. |
5.99% p.a. |
| |
Above 70% 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. |
6.21% p.a. |
| |
More than 90% |
6.04% p.a. |
7.55% p.a. |
| 4 year |
50% or less |
5.44% p.a |
6.05% p.a. |
| |
Above 50% and less than 60% |
5.44% p.a. |
6.05% p.a. |
| |
Above 60% and less than or equal to 70% |
5.44% p.a. |
6.05% p.a. |
| |
Above 70% and less than or equal to 80% |
5.44% p.a. |
6.05% p.a. |
| |
Above 80% and less than or equal to 90% |
5.69% p.a. |
6.27% p.a. |
| |
More than 90% |
6.19% p.a. |
7.48% p.a. |
| 5 year |
50% or less |
5.44% p.a. |
6.03% p.a. |
| |
Above 50% and less than 60% |
5.44% p.a. |
6.03% p.a. |
| |
Above 60% and less than or equal to 70% |
5.44% p.a. |
6.03% p.a. |
| |
Above 70% and less than or equal to 80% |
5.44% p.a. |
6.03% p.a. |
| |
Above 80% and less than or equal to 90% |
5.69% p.a. |
6.25% p.a. |
| |
More than 90% |
6.34% p.a. |
7.43% p.a. |
Flexible Home Loan - Interest only
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 80% or less |
8.86% p.a. |
8.51% p.a. |
8.57% p.a. |
+0.29% p.a. |
Flexible Home Loan Member Package4 - Interest only - Loan amount <$150k
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 80% or less |
8.46% p.a. |
8.58% p.a. |
8.37% p.a. |
+0.09% p.a. |
Flexible Home Loan Member Package4 - Interest only - Loan amount ≥$150k - <$400k
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 80% or less |
7.42% p.a. |
6.90% p.a. |
8.37% p.a. |
-0.95% p.a. |
Flexible Home Loan Member Package4 - Interest only - Loan amount ≥$400k - <$700k
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 80% or less |
7.37% p.a. |
6.83% p.a. |
8.37% p.a. |
-1.00% p.a. |
Flexible Home Loan Member Package4 - Interest only - Loan amount ≥$700k
| Loan to value ratio1 |
Interest rate2 |
Comparison rate3 |
Reference rate |
Discount/Margin |
| 80% or less |
7.37% p.a. |
6.83% p.a. |
8.37% p.a. |
-1.00% p.a. |
Fixed Rates - Flexible Home Loan5 - Interest Only
| Term |
LVR1 |
Interest Rate |
Comparison Rate3 |
| 1 year |
80% or less |
7.24% p.a. |
8.07% p.a. |
| 2 year |
80% or less |
6.94% p.a. |
7.92% p.a. |
| 3 year |
80% or less |
6.74% p.a. |
7.75% p.a. |
| 4 year |
80% or less |
7.14% p.a. |
7.79% p.a. |
| 5 year |
80% or less |
7.34% p.a. |
7.80% p.a. |
Fixed Rates - Flexible Home Loan with Member Package5 - Interest Only
| Term |
LVR1 |
Interest Rate |
Comparison Rate3 |
| 1 year |
80% or less |
7.09% p.a. |
6.31% p.a. |
| 2 year |
80% or less |
6.79% p.a. |
6.37% p.a. |
| 3 year |
80% or less |
6.59% p.a. |
6.40% p.a. |
| 4 year |
80% or less |
6.99% p.a. |
6.62% p.a. |
| 5 year |
80% or less |
7.19% p.a. |
6.80% p.a. |
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Top facts
Borrowing capacity
Up to 95% of property value
Owner occupier
Up to 5 years
Repayment options
Weekly, fortnightly or monthly
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
Consent to a dealing fee
$250
Search fees
Differ by state
Security substitution fee
$350
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
Get offset to a great start with ME’s
Everyday Transaction Account.
Exclusive to ME Flexible Home Loan customers, our Everyday Transaction Account can be linked as a 100% offset account, with no monthly account-keeping fees.
Learn more
We've launched a whole new way
to home loan.
Good value and control go hand-in-hand, in the palm of your hands with our 2 brand new, fully digital home loans exclusive to the ME Go app. Choose fee-free simplicity or full featured flexibility, and view, manage and customise your home loan right from the app.
Looking for a more simple home loan?
Check out our Basic Home Loan.
Back to basics
Good chat.
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.
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.
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Determine the loan, get the home – compare your options with these practical calculators.
Stamp duty.
Stamp duty differs from state-to-state – find out how much you could be up for with our handy calculator.
Calculate my stamp duty
Want to learn more? Explore The Feed.
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From home loans to general finance, learn more with ME.
The home buying process.
Learn the 10 steps to becoming a homeowner, from budgeting to moving in.
Learn about home buying
Nailing your application.
Grab a pen and note down our 9- step checklist. Or just call ME instead.
Read home loan tips
Frequently asked questions.
What is a Flexible Home Loan?
A Flexible Home Loan is just that - flexible! With plenty of options for you to choose from, you can mould a loan that fits your lifestyle.
How does a Flexible Home Loan work?
A Flexible Home Loan allows you to have more choice with your home loan. From offset accounts to choosing between a variable or fixed interest rate, a Flexible Home Loan gives you choice.
What is the difference between a Flexible and Basic Home Loan?
A Flexible Home Loan provides more flexibility with your home loan. You can tailor the loan to your lifestyle by choosing what fits you best. A Basic Home Loan is simple, with set options to get you going.
Help & support.
Lenders mortgage insurance.
Find out how to avoid paying LMI when you take out a home loan.
Loans for less
Offset accounts.
Use your savings to offset your loan interest with our 100% offset account.
100% Offset
Stamp duty.
Planning your budget? Don’t forget to factor in those extra costs.
Doing your duty
The legal stuff.
The legal stuff.
Home loan terms and conditions
- Interest rate is current as at
10-Jun-2025 and is 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, topups, 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. Fixed rate comparison rates only apply for loans with a loan amount of $150,000 to less than $400,000. The comparison rates for fixed loans with interest only repayments are based on the interest only period being equal to the fixed rate term.
- Member Package annual fee of $395 applies.
- 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.
*This does not apply if you have a Member Package.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.