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All the interest rates, all the time.
Home loan interest rates.
All the interest rates, all the time.
Owner occupier.
Buying a home? These are the rates to get you home.
See our rates
Investor.
Investment property rates, for the go-getter.
See our rates
Retro.
Rates for old school loans. These home loans and rates are no longer offered.
See our rates
Compare our home loans.
Enter your home loan details to review our loans, interest rates and features.
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Let’s break down the home loan rates jargon.
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Variable Rate.
A variable rate changes with the market. If your loan’s interest rate changes, your repayments will change, too. It’s great for you when rates are low, but remember to plan for potential rises.
Fixed Rate.
A fixed rate doesn’t change for the duration of the loan. Great for stability, but you may be watching the market wondering.
Comparison Rate.
A comparison rate explains the cost of a loan including all the extra and seemingly hidden fees and charges. When you use comparison sites to find a loan, for example, this figure will help you compare like-for-like, without getting tripped up by shiny deals.
Member Package.
Our Member Package is an optional add-on for our Flexible home loan.
For just $395 per year it adds a bundle of savings to your loan:
- Lower variable interest rate
- Lower fixed interest rate
- No valuation fee
- No fee for topping up
Our home loan calculators.
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Learn more than just our rates, with our home loan calculators. Our four simple yet practical calculators can help you discover more about your home loan journey.
Need help finding your mortgage rate?
Need help finding your mortgage rate?
Big decisions like a new home loan don’t happen overnight. Start with a quick no obligation chat at a time that works for you.
Speak to a ME home loan expert to get an accurate understanding of how we can help.
Book in a chat with ME
What is LMI?
If you’re borrowing more than 80 per cent, you’ll probably also have to pay for Lenders Mortgage Insurance (LMI). That’s a policy that protects the lender if you default on your loan.
It's an extra cost, but it can be your ticket in – so just be aware of what’s best for you.
What is LVR?
Loan-to-value ratio (LVR) is the amount of your loan as a percentage of the value of the property. For example, borrowing $340,000 to buy a $400,000 property gives you an LVR of 85 per cent. Having a lower loan-to-value ratio is better as it is a smaller risk to the bank or lender if you default on your loan. This means you’ll also avoid the costs that come with a lower deposit and you might even get access to a better rate.
The legal stuff.
The legal stuff.
*Member Package annual fee of $395 applies.
- Interest rates are current as at
15-Dec-2024 and is are 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, 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.
- 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. The comparison rates for fixed loans with interest only repayments are based on the interest- only period being equal to the fixed rate term.
- A current fixed rate can be secured for 90 days by paying a $500 rate lock request fee. At settlement you will get the better of the two rates.
- 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.
- Solicitor, valuation and agent fees may apply.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.