Benefits of a loan that fits your life.

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


Go variable, fix for 1–5 years, or split your loan to do both. Choose what works best for your lifestyle.


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.


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.

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.

More benefits with the member package.

No valuation fee. Save $200.
No top-up fee. Save $250.

Lower fixed interest rate.

Get an extra discount on our low 2-year fixed rates. Learn more here.

Mozo Flexible Home Loan Award 2022

Good as gold. 

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


View our competitive rates. 

For investor rates click here.



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.

Read fees and charges

Chat with ME about a new home loan.

Booking a time is fast and simple. We're available to help from
Mon-Fri 8am-8pm (AEST/AEDT)
Sat 9am-5pm (AEST/AEDT)

Calculate with ME.

Determine the loan, get the home – compare your options with these practical calculators.

Borrowing power.

Learn your limits – suss out your borrowing capacity so you can start planning that purchase.

Calculate my borrowing power

Loan repayments.

Weigh up your home loan options to see how much your repayments could be.

Calculate my loan repayments

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.

From home loans to general finance, learn more with ME.

Nailing your application.

Grab a pen and note down our 9- step checklist. Or just call ME instead.

Learn more

The home buying process.

Learn the 10 steps to becoming a homeowner, from budgeting to moving in.

Learn more

Deciphering the jargon.

Understand home loan lingo so you can speak ‘bank’ with your manager.

Learn more

Frequently asked questions.

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.

Get our regular series of home buying tips, delivered straight to your inbox.

The legal stuff.
The legal stuff.
Home loan terms and conditions
  1. Interest rate is current as at 14-Apr-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.
  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.
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