Owner Occupier Home Loan Rates - Interest Rates

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EconoME Home Loan

Explore our interest rates for an EconoME Home Loan.

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Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	8.45% p.a.	8.47% p.a.	7.98% p.a.	+0.47% p.a.
60.01% to 70%	8.45% p.a.	8.47% p.a.	7.98% p.a.	+0.47% p.a.
70.01% to 80%	8.45% p.a.	8.47% p.a.	7.98% p.a.	+0.47% p.a.
80.01% to 90%	8.71% p.a.	8.73% p.a.	7.98% p.a.	+0.73% p.a.
90.01% to 95%	8.71% p.a.	8.73% p.a.	7.98% p.a.	+0.73% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	6.08% p.a.	6.10% p.a.	7.98% p.a.	-1.90% p.a.
60.01% to 70%	6.08% p.a.	6.10% p.a.	7.98% p.a.	-1.90% p.a.
70.01% to 80%	6.13% p.a.	6.15% p.a.	7.98% p.a.	-1.85% p.a.
80.01% to 90%	6.34% p.a.	6.36% p.a.	7.98% p.a.	-1.64% p.a.
90.01% to 95%	7.04% p.a.	7.06% p.a.	7.98% p.a.	-0.94% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	0% to 60%	6.54% p.a.	6.14% p.a.
	60.01% to 70%	6.54% p.a.	6.14% p.a.
	70.01% to 80%	6.54%p.a.	6.19%p.a.
	80.01% to 90%	6.89%p.a.	6.41%p.a.
	90.01% to 95%	7.84%p.a.	7.14%p.a.
2 year	0% to 60%	6.40% p.a.	6.16% p.a.
	60.01% to 70%	6.40% p.a.	6.16% p.a.
	70.01% to 80%	6.40%p.a.	6.20%p.a.
	80.01% to 90%	6.75%p.a.	6.44%p.a.
	90.01% to 95%	7.35%p.a.	7.12%p.a.
3 year	0% to 60%	6.64% p.a.	6.26% p.a.
	60.01% to 70%	6.64% p.a	6.26% p.a
	70.01% to 80%	6.64%p.a.	6.29%p.a.
	80.01% to 90%	6.89%p.a.	6.51%p.a.
	90.01% to 95%	7.54%p.a.	7.20%p.a.
4 year	0% to 60%	6.94% p.a.	6.41% p.a.
	60.01% to 70%	6.94% p.a.	6.41% p.a.
	70.01% to 80%	6.94%p.a.	6.44%p.a.
	80.01% to 90%	7.19%p.a.	6.67%p.a.
	90.01% to 95%	7.69%p.a.	7.30%p.a.
5 year	0% to 60%	6.94% p.a.	6.48% p.a.
	60.01% to 70%	6.94% p.a.	6.48% p.a.
	70.01% to 80%	6.94%p.a.	6.50%p.a.
	80.01% to 90%	7.19%p.a.	6.73%p.a.
	90.01% to 95%	7.84%p.a.	7.42%p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	8.17% p.a.	8.34% p.a.	8.48% p.a.	-0.31% p.a.
60.01% to 70%	8.17% p.a.	8.34% p.a.	8.48% p.a.	-0.31% p.a.
70.01% to 80%	8.17% p.a.	8.34% p.a.	8.48% p.a.	-0.31% p.a.
80.01% to 90%	8.48% p.a.	8.62% p.a.	8.48% p.a.	0.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	8.17% p.a.	7.01% p.a.	8.48% p.a.	-0.31% p.a.
60.01% to 70%	8.17% p.a.	7.01% p.a.	8.48% p.a.	-0.31% p.a.
70.01% to 80%	8.17% p.a.	7.04% p.a.	8.48% p.a.	-0.31% p.a.
80.01% to 90%	8.48% p.a.	7.31% p.a.	8.48% p.a.	0.00% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	0% to 60%	7.09% p.a.	6.20% p.a.
	60.01% to 70%	7.09% p.a.	6.20% p.a.
	70.01% to 80%	7.09%p.a.	6.24%p.a.
	80.01% to 90%	7.34%p.a.	6.46%p.a.
2 year	0% to 60%	6.79% p.a.	6.23% p.a.
	60.01% to 70%	6.79% p.a.	6.23% p.a.
	70.01% to 80%	6.79%p.a.	6.27%p.a.
	80.01% to 90%	6.79%p.a.	6.44%p.a.
3 year	0% to 60%	6.59% p.a.	6.24% p.a.
	60.01% to 70%	6.59% p.a	6.24% p.a
	70.01% to 80%	6.59%p.a.	6.27%p.a.
	80.01% to 90%	6.49%p.a.	6.40%p.a.
4 year	0% to 60%	6.99% p.a.	6.42% p.a.
	60.01% to 70%	6.99% p.a.	6.42% p.a.
	70.01% to 80%	6.99%p.a.	6.45%p.a.
	80.01% to 90%	6.79%p.a.	6.52%p.a.
5 year	0% to 60%	7.19% p.a.	6.57% p.a.
	60.01% to 70%	7.19% p.a.	6.57% p.a.
	70.01% to 80%	7.19%p.a.	6.60%p.a.
	80.01% to 90%	6.99%p.a.	6.63%p.a.

CompleteME Home Loan

Explore our interest rates for a CompleteME Home Loan.⁴

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to home loan.

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Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	8.38% p.a.	8.73% p.a.	9.57% p.a.	-1.19% p.a.
60.01% to 70%	8.50% p.a.	8.85% p.a.	9.57% p.a.	-1.07% p.a.
70.01% to 80%	8.50% p.a.	8.85% p.a.	9.57% p.a.	-1.07% p.a.
80.01% to 90%	8.36% p.a.	8.71% p.a.	9.57% p.a.	-1.21% p.a.
90.01% to 95%	8.71% p.a.	9.06% p.a.	9.57% p.a.	-0.86% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	6.09% p.a.	6.47% p.a.	9.57% p.a.	-3.48% p.a.
60.01% to 70%	6.14% p.a.	6.52% p.a.	9.57% p.a.	-3.43% p.a.
70.01% to 80%	6.14% p.a.	6.52% p.a.	9.57% p.a.	-3.43% p.a.
80.01% to 90%	6.34% p.a.	6.72% p.a.	9.57% p.a.	-3.23% p.a.
90.01% to 95%	7.14% p.a.	7.51% p.a.	9.57% p.a.	-2.43% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	6.09% p.a.	6.47% p.a.	9.57% p.a.	-3.48% p.a.
60.01% to 70%	6.14% p.a.	6.52% p.a.	9.57% p.a.	-3.43% p.a.
70.01% to 80%	6.14% p.a.	6.52% p.a.	9.57% p.a.	-3.43% p.a.
80.01% to 90%	6.34% p.a.	6.72% p.a.	9.57% p.a.	-3.23% p.a.
90.01% to 95%	7.14% p.a.	7.51% p.a.	9.57% p.a.	-2.43% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	6.09% p.a.	6.47% p.a.	9.57% p.a.	-3.48% p.a.
60.01% to 70%	6.14% p.a.	6.52% p.a.	9.57% p.a.	-3.43% p.a.
70.01% to 80%	6.14% p.a.	6.52% p.a.	9.57% p.a.	-3.43% p.a.
80.01% to 90%	6.34% p.a.	6.72% p.a.	9.57% p.a.	-3.23% p.a.
90.01% to 95%	7.14% p.a.	7.51% p.a.	9.57% p.a.	-2.43% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	0% to 60%	6.54% p.a.	6.52% p.a.
	60.01% to 70%	6.54% p.a.	6.56% p.a.
	70.01% to 80%	6.54% p.a.	6.56% p.a.
	80.01% to 90%	6.89%p.a.	6.77%p.a.
	90.01% to 95%	7.84%p.a.	7.58%p.a.
2 year	0% to 60%	6.40% p.a.	6.53% p.a.
	60.01% to 70%	6.40% p.a.	6.57% p.a.
	70.01% to 80%	6.40% p.a.	6.57% p.a.
	80.01% to 90%	6.75%p.a.	6.80%p.a.
	90.01% to 95%	7.35%p.a.	7.55%p.a.
3 year	0% to 60%	6.64% p.a.	6.63% p.a.
	60.01% to 70%	6.64% p.a	6.66% p.a
	70.01% to 80%	6.64% p.a	6.66% p.a
	80.01% to 90%	6.89%p.a.	6.88%p.a.
	90.01% to 95%	7.54%p.a.	7.63%p.a.
4 year	0% to 60%	6.94% p.a.	6.78% p.a.
	60.01% to 70%	6.94% p.a.	6.82% p.a.
	70.01% to 80%	6.94% p.a.	6.82% p.a.
	80.01% to 90%	7.19%p.a.	7.03%p.a.
	90.01% to 95%	7.69%p.a.	7.72%p.a.
5 year	0% to 60%	6.94% p.a.	6.85% p.a.
	60.01% to 70%	6.94% p.a.	6.88% p.a.
	70.01% to 80%	6.94% p.a.	6.88% p.a.
	80.01% to 90%	7.19%p.a.	7.10%p.a.
	90.01% to 95%	7.84%p.a.	7.83%p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	8.96% p.a.	8.99% p.a.	10.07% p.a.	-1.11% p.a.
60.01% to 70%	8.96% p.a.	9.05% p.a.	10.07% p.a.	-1.11% p.a.
70.01% to 80%	8.96% p.a.	9.05% p.a.	10.07% p.a.	-1.11% p.a.
80.01% to 90%	10.07% p.a.	9.51% p.a.	10.07% p.a.	0.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.87% p.a.	7.23% p.a.	10.07% p.a.	-2.20% p.a.
60.01% to 70%	7.87% p.a.	7.26% p.a.	10.07% p.a.	-2.20% p.a.
70.01% to 80%	7.87% p.a.	7.26% p.a.	10.07% p.a.	-2.20% p.a.
80.01% to 90%	10.07% p.a.	8.43% p.a.	10.07% p.a.	0.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.87% p.a.	7.23% p.a.	10.07% p.a.	-2.20% p.a.
60.01% to 70%	7.87% p.a.	7.26% p.a.	10.07% p.a.	-2.20% p.a.
70.01% to 80%	7.87% p.a.	7.26% p.a.	10.07% p.a.	-2.20% p.a.
80.01% to 90%	10.07% p.a.	8.43% p.a.	10.07% p.a.	0.00% p.a.

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
0% to 60%	7.87% p.a.	7.23% p.a.	10.07% p.a.	-2.20% p.a.
60.01% to 70%	7.87% p.a.	7.26% p.a.	10.07% p.a.	-2.20% p.a.
70.01% to 80%	7.87% p.a.	7.26% p.a.	10.07% p.a.	-2.20% p.a.
80.01% to 90%	10.07% p.a.	8.43% p.a.	10.07% p.a.	0.00% p.a.

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	0% to 60%	7.09% p.a.	6.57% p.a.
	60.01% to 70%	7.09% p.a.	6.61% p.a.
	70.01% to 80%	7.09% p.a.	6.61% p.a.
	80.01% to 90%	7.34%p.a.	6.82%p.a.
2 year	0% to 60%	6.79% p.a.	6.60% p.a.
	60.01% to 70%	6.79% p.a.	6.64% p.a.
	70.01% to 80%	6.79% p.a.	6.64% p.a.
	80.01% to 90%	6.79%p.a.	6.80%p.a.
3 year	0% to 60%	6.59% p.a.	6.59% p.a.
	60.01% to 70%	6.59% p.a	6.63% p.a
	70.01% to 80%	6.59% p.a	6.63% p.a
	80.01% to 90%	6.49%p.a.	6.74%p.a.
4 year	0% to 60%	6.99% p.a.	6.77% p.a.
	60.01% to 70%	6.99% p.a.	6.81% p.a.
	70.01% to 80%	6.99% p.a.	6.81% p.a.
	80.01% to 90%	6.79%p.a.	6.86%p.a.
5 year	0% to 60%	7.19% p.a.	6.92% p.a.
	60.01% to 70%	7.19% p.a.	6.95% p.a.
	70.01% to 80%	7.19% p.a.	6.95% p.a.
	80.01% to 90%	6.99%p.a.	6.97%p.a.

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The legal stuff.

Interest rates are current as at 13-Jun-2026 and subject to change.

* A current fixed rate can be secured for 90 days by paying a $750 rate lock request fee. At settlement you will get the better of the two rates.

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%.
The variable interest rate may include a discount or margin that is applied to the product’s variable base rate/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 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.
Annual fee of $395 applies.

Terms, conditions, fees and charges apply. Applications are subject to credit approval. Solicitor, valuation and agent fees may apply.

Owner occupier rates.

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EconoME Home Loan

Principal and Interest - Variable <$150K

Principal and Interest - Variable ≥$150K

Principal and Interest - Fixed Rate^*

Interest Only - Variable <$150K

Interest Only - Variable ≥$150K

Interest Only - Fixed^*

CompleteME Home Loan

Principal and Interest - Variable <$150K

Principal and Interest - Variable ≥$150K - <$400K

Principal and Interest - Variable ≥$400K - <$700K

Principal and Interest - Variable ≥$700K

Principal and Interest - Fixed Rate^*

Interest Only - Variable <$150K

Interest Only - Variable ≥$150K - <$400K

Interest Only - Variable ≥$400K - <$700K

Interest Only - Variable ≥$700K

Interest Only - Fixed Rate^*

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The legal stuff.

The legal stuff.

Owner occupier rates.

Need help finding your rate?

Need help finding your rate?

EconoME Home Loan

Principal and Interest - Variable <$150K

Principal and Interest - Variable ≥$150K

Principal and Interest - Fixed Rate*

Interest Only - Variable <$150K

Interest Only - Variable ≥$150K

Interest Only - Fixed*

CompleteME Home Loan

Principal and Interest - Variable <$150K

Principal and Interest - Variable ≥$150K - <$400K

Principal and Interest - Variable ≥$400K - <$700K

Principal and Interest - Variable ≥$700K

Principal and Interest - Fixed Rate*

Interest Only - Variable <$150K

Interest Only - Variable ≥$150K - <$400K

Interest Only - Variable ≥$400K - <$700K

Interest Only - Variable ≥$700K

Interest Only - Fixed Rate*

Find our home loan rates.

Find our home loan rates.

Owner Occupier

Investor

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Compare.

The legal stuff.

The legal stuff.

Principal and Interest - Fixed Rate^*

Interest Only - Fixed^*

Principal and Interest - Fixed Rate^*

Interest Only - Fixed Rate^*