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## Benefits of a loan that fits your life.

### FLEXIBLE OPTIONS.

## 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.

#### More benefits with the member package.

#### Lower fixed interest rate.

## Good as gold.

ME's Flexible Home Loan with Member Package has won Mozo's Expert Choice Award 2022 for a Packaged Home Loan.
## Rates.

## Calculate.

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var errorMessage = "Sorry, something went wrong.";
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## Facts & fees.

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##### The legal stuff.

Our Flexible Home Loan gives you plenty of options to tinker with.

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Home loan terms and conditions

*This does not apply if you have a Member Package.

Terms, conditions, fees and charges apply. Applications are subject to credit approval.

- Interest rate is current as at 14-Nov-2024 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.