A loan that fits your life.

Need a home loan with that little bit extra? Our Flexible Home Loan gives you plenty of options to tinker with.


Go variable, or do a fixed or split loan for 1–7 years.


Let your savings reduce your interest with a 100% offset account.


Pay your variable rate loan off as early as you want –with no penalty.


Get cash for emergencies from available funds if you’re ahead on payments (minimum $500).


Option to pay interest-only for up to 5 years – or up to 10 if you’re investing.


Apply to take a break from repayments when the unexpected happens, if you're ahead on your repayments.

Member package.

You could save even more on your loan by adding a Member Package.
For just $395 per year, you get a whole bundle of savings.

Lower variable interest rate.

Save up to 1.20% p.a.

No valuation fee.

Save $200

Lower fixed interest rate.

Get an extra discount on our low fixed rates.

No top-up fee.

Save $250

Good as gold. 

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



Must be more than $40,000

Must be less than $10,000,000


Lenders Mortgage Insurance (LMI) may apply

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Facts & fees.

Find out more

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

Borrowing power.

Get to grips with your spending limits – and start planning that purchase.

How much can I borrow?

Basic Home Loan.

Looking for a simpler home loan? We’ve got you covered.

Back to basics

Stay in the loop.

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The legal stuff.
The legal stuff.
Home loan terms and conditions
  1. Interest rate is current as at 02-Jul-2022 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.
  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. 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.
  3. Member Package annual fee of $395 applies.
  4. 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.