We've announced changes to our lending interest rates following the RBA's rate cut. Learn more. Learn more.

Our many features are our best feature.

Choose from two shiny new home loans offering everything from fee-free simplicity to full-featured flexibility. Available exclusively on the ME Go app. 
 

 

EconoME

5.63% p.a.            5.65% p.a.
variable rate1                          comparison rate*

Basic home loan goodness with all the flexibility and none of the annual fees.

  • No annual fees. We’ve ditched annual fees so you can keep more of your money.
  • Low rate. We keep our home loan rates competitive and our value good.
  • Pay your loan off sooner. Unlimited additional payments and fee-free withdrawal.
 

 

CompleteME

5.64% p.a.             6.03% p.a.
variable rate2                              comparison rate*

More flex, more frills, more ME for you.

  • 100% offset account. Link up to 10 SpendME accounts to lower your interest, all while doing good for the community. 
  • Remix your loan. Choose from variable, fixed (1-5 years), interest only home loans, or a mix of all of them. 
  • Pay your loan off sooner. Unlimited additional payments and fee-free withdrawal.
 

Get your fixed rate fix. 

Craving some certainty? Have peace of mind knowing what your repayments will be with a fixed rate home loan. Both EconoME and CompleteME feature the option​ to fix your rate from one to five years.

EconoME fixed rates

CompleteME fixed rates

 

$3,000 cash back in your pocket6

Enjoy the flexibility of extra cash in your back pocket when you refinance your home loan to ME.

Available to owner occupiers and investors on all ME home loan products if they:
  • Apply from 15/06/2024, and settle within 120 days of the loan application date
  • Switch their existing home loan from another lender
  • Take out a home loan with a minimum size of $700k and maximum LVR of 80%

Your home loan in your own hands. 

Have the power to control your home loan right in the palm of your hands.

View, manage and customise your home loan, right from the ME Go app. 

 

View all your loan details. 

See your next repayment, rate, term left, linked accounts, and offset benefits at-a-glance. 
 

Manage your repayments. 

Choose repayment frequency, amount, and repayment account. 

Stalk your equity.

Your property’s potential, in your pocket. See your available equity anytime with the ME Go app.

Link up to 10 offset
accounts. 

Open, link and unlink up to 10 offset accounts to a variable CompleteME home loan and use your savings to lower the amount of monthly interest you pay.

Find our home loan rates.

Whether you're an owner occupier, investor, all of our home loan rates can be found in the one handy place.

EconoME interest rates

CompleteME interest rates

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.

Turbo charged time to yes.

Get a fast decision on your home loan and full support from ME mobile bankers who are ready to help you at every step of your application.

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

FAQ's

The legal stuff.

The legal stuff.

Home Loan Terms and Conditions

Interest rates are current as at 20-Jun-2025 and are subject to change.

≠ The variable interest rate may include a discount or margin that is applied to the product’s variable base 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.

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

Solicitor, valuation and agent fees may apply.

(1) EconoME Variable rate: New owner occupier, principal and interest, maximum LVR^ 80% on loan amounts $150,000 or more.

(2) CompleteME Variable Rate: Minimum loan size $400K. New owner occupier, principal and interest, max 60% LVR.

(6) 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%. This minimum amount cannot be split across multiple applications. 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 a ME Everyday Transaction Account (ETA) for Basic Flexible home loans or a SpendME account for EconoME or CompleteME home loans held by the borrower first listed on the application. In the event the first listed borrower doesn’t hold an ETA or SpendME, 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.


* Home Loan comparison rates calculated 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.

^ Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100. The LVR value compares the amount you have owning on your home 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%.
 
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