Lapsed Home Loans - Historical Interest Rates

ME Bank

Home loans no longer offered.

Below are our home loan products no longer offered. We also recently moved these accounts across to our
modern banking system.

Owner Occupier Principal & Interest.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.
		More than 90%	7.49%p.a.
	2 year	80% or less	5.84% p.a.
		Above 80% and less than or equal to 90%	6.04% p.a.
		More than 90%	6.64%p.a.
	3 year	80% or less	5.84% p.a.
		Above 80% and less than or equal to 90%	5.94% p.a
		More than 90%	6.59%p.a.
	4 year	80% or less	6.14% p.a.
		Above 80% and less than or equal to 90%	6.24% p.a.
		More than 90%	6.74%p.a.
	5 year	80% or less	6.14% p.a.
		Above 80% and less than or equal to 90%	6.24% p.a.
		More than 90%	6.89%p.a.

	Interest rate
Variable reference rates	8.37% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.39% p.a.
		More than 90%	7.34% p.a.
	2 year	50% or less	5.69% p.a.
		Above 50% and less than 60%	5.69% p.a.
		Above 60% and less than or equal to 70%	5.69% p.a.
		Above 70% and less than or equal to 80%	5.69% p.a.
		Above 80% and less than or equal to 90%	5.89% p.a.
		More than 90%	6.49% p.a.
	3 year	50% or less	5.69% p.a.
		Above 50% and less than 60%	5.69% p.a.
		Above 60% and less than or equal to 70%	5.69% p.a.
		Above 70% and less than or equal to 80%	5.69% p.a.
		Above 80% and less than or equal to 90%	5.79% p.a.
		More than 90%	6.44% p.a.
	4 year	50% or less	5.99% p.a.
		Above 50% and less than 60%	5.99% p.a.
		Above 60% and less than or equal to 70%	5.99% p.a.
		Above 70% and less than or equal to 80%	5.99% p.a.
		Above 80% and less than or equal to 90%	6.09% p.a.
		More than 90%	6.59% p.a.
	5 year	50% or less	5.99% p.a.
		Above 50% and less than 60%	5.99% p.a.
		Above 60% and less than or equal to 70%	5.99% p.a.
		Above 70% and less than or equal to 80%	5.99% p.a.
		Above 80% and less than or equal to 90%	6.09% p.a.
		More than 90%	6.74% p.a.

	Interest rate
Variable reference rates	8.57% p.a.

Term	LVR³	Interest Rate
1 year	80% or less	6.34% p.a.
	Above 80% and less than or equal to 90%	6.54% p.a.
	More than 90%	7.49% p.a.
2 year	80% or less	5.84% p.a.
	Above 80% and less than or equal to 90%	6.04% p.a.
	More than 90%	6.64% p.a.
3 year	80% or less	5.84% p.a.
	Above 80% and less than or equal to 90%	5.94% p.a.
	More than 90%	6.59% p.a.
4 year	80% or less	6.14% p.a.
	Above 80% and less than or equal to 90%	6.24% p.a.
	More than 90%	6.74% p.a.
5 year	80% or less	6.14% p.a.
	Above 80% and less than or equal to 90%	6.24% p.a.
	More than 90%	6.89% p.a.

	Interest rate
Variable reference rates	8.37% p.a.

Term	LVR³	Interest Rate
1 year	50% or less	6.19% p.a.
	Above 50% and less than 60%	6.19% p.a.
	Above 60% and less than or equal to 70%	6.19% p.a.
	Above 70% and less than or equal to 80%	6.19% p.a.
	Above 80% and less than or equal to 90%	6.39% p.a.
	More than 90%	7.34% p.a.
2 year	50% or less	5.69% p.a.
	Above 50% and less than 60%	5.69% p.a.
	Above 60% and less than or equal to 70%	5.69% p.a.
	Above 70% and less than or equal to 80%	5.69% p.a.
	Above 80% and less than or equal to 90%	5.89% p.a.
	More than 90%	6.49% p.a.
3 year	50% or less	5.69% p.a.
	Above 50% and less than 60%	5.69% p.a.
	Above 60% and less than or equal to 70%	5.69% p.a.
	Above 70% and less than or equal to 80%	5.69% p.a.
	Above 80% and less than or equal to 90%	5.79% p.a.
	More than 90%	6.44% p.a.
4 year	50% or less	5.99% p.a.
	Above 50% and less than 60%	5.99% p.a.
	Above 60% and less than or equal to 70%	5.99% p.a.
	Above 70% and less than or equal to 80%	5.99% p.a.
	Above 80% and less than or equal to 90%	6.09% p.a.
	More than 90%	6.59% p.a.
5 year	50% or less	5.99% p.a.
	Above 50% and less than 60%	5.99% p.a.
	Above 60% and less than or equal to 70%	5.99% p.a.
	Above 70% and less than or equal to 80%	5.99% p.a.
	Above 80% and less than or equal to 90%	6.09% p.a.
	More than 90%	6.74% p.a.

Owner Occupier Interest Only

	Term	LVR³	Interest Rate
Variable reference rates			9.07% p.a.
Fixed	1 year	80% or less	7.24% p.a.
	2 year	80% or less	7.24% p.a.
	3 year	80% or less	6.74% p.a.
	4 year	80% or less	7.14% p.a.
	5 year	80% or less	7.34% p.a.

	Term	LVR³	Interest Rate
Variable reference rates			8.87% p.a.
Fixed	1 year	80% or less	7.09% p.a.
	2 year	80% or less	6.79% p.a.
	3 year	80% or less	6.59% p.a.
	4 year	80% or less	6.99% p.a.
	5 year	80% or less	7.19% p.a.

	Term	LVR³	Interest Rate
Variable reference rates			9.07% p.a.
Fixed	1 year	80% or less	7.24% p.a.
	2 year	80% or less	6.94% p.a.
	3 year	80% or less	6.74% p.a.
	4 year	80% or less	7.14% p.a.
	5 year	80% or less	7.34% p.a.

	Term	LVR³	Interest Rate
Variable reference rates			8.87% p.a.
Fixed	1 year	80% or less	7.09% p.a.
	2 year	80% or less	6.79% p.a.
	3 year	80% or less	6.59% p.a.
	4 year	80% or less	6.99% p.a.
	5 year	80% or less	7.19% p.a.

Investor¹ Principal & Interest

	Interest Rate
Variable reference rates	8.87% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.54% p.a.
		Above 80% and less than or equal to 90%	6.74% p.a.
	2 year	80% or less	6.04% p.a.
		Above 80% and less than or equal to 90%	6.14% p.a.
	3 year	80% or less	6.04% p.a.
		Above 80% and less than or equal to 90%	6.04% p.a.
	4 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.34% p.a.
	5 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.34% p.a.

	Interest Rate
Variable reference rates	8.67% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.39% p.a.
		Above 50% and less than 60%	6.39% p.a.
		Above 60% and less than or equal to 70%	6.39% p.a.
		Above 70% and less than or equal to 80%	6.39% p.a.
		Above 80% and less than or equal to 90%	6.59% p.a.
	2 year	50% or less	5.89% p.a.
		Above 50% and less than 60%	5.89% p.a.
		Above 60% and less than or equal to 70%	5.89% p.a.
		Above 70% and less than or equal to 80%	5.89% p.a.
		Above 80% and less than or equal to 90%	5.99% p.a.
	3 year	50% or less	5.89% p.a.
		Above 50% and less than 60%	5.89% p.a.
		Above 60% and less than or equal to 70%	5.89% p.a.
		Above 70% and less than or equal to 80%	5.89% p.a.
		Above 80% and less than or equal to 90%	5.89% p.a.
	4 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.19% p.a.
	5 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.19% p.a.

	Interest Rate
Variable reference rates	8.87% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.54% p.a.
		Above 80% and less than or equal to 90%	6.74% p.a.
	2 year	80% or less	6.04% p.a.
		Above 80% and less than or equal to 90%	6.14% p.a.
	3 year	80% or less	6.04% p.a.
		Above 80% and less than or equal to 90%	6.04% p.a.
	4 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.34% p.a.
	5 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.34% p.a.

	Interest Rate
Variable reference rates	8.67% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.39% p.a.
		Above 50% and less than 60%	6.39% p.a.
		Above 60% and less than or equal to 70%	6.39% p.a.
		Above 70% and less than or equal to 80%	6.39% p.a.
		Above 80% and less than or equal to 90%	6.59% p.a.
	2 year	50% or less	5.89% p.a.
		Above 50% and less than 60%	5.89% p.a.
		Above 60% and less than or equal to 70%	5.89% p.a.
		Above 70% and less than or equal to 80%	5.89% p.a.
		Above 80% and less than or equal to 90%	5.99% p.a.
	3 year	50% or less	5.89% p.a.
		Above 50% and less than 60%	5.89% p.a.
		Above 60% and less than or equal to 70%	5.89% p.a.
		Above 70% and less than or equal to 80%	5.89% p.a.
		Above 80% and less than or equal to 90%	5.89% p.a.
	4 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.19% p.a.
	5 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.19% p.a.

Investor¹ Interest Only

	Interest Rate
Variable reference rates	9.32% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.54% p.a.
		Above 80% and less than or equal to 90%	6.74% p.a.
	2 year	80% or less	6.04% p.a.
		Above 80% and less than or equal to 90%	6.24% p.a.
	3 year	80% or less	6.04% p.a.
		Above 80% and less than or equal to 90%	6.14% p.a.
	4 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.44% p.a.
	5 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.44% p.a.

	Interest Rate
Variable reference rates	9.12% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.39% p.a.
		Above 50% and less than 60%	6.39% p.a.
		Above 60% and less than or equal to 70%	6.39% p.a.
		Above 70% and less than or equal to 80%	6.39% p.a.
		Above 80% and less than or equal to 90%	6.59% p.a.
	2 year	50% or less	5.89% p.a.
		Above 50% and less than 60%	5.89% p.a.
		Above 60% and less than or equal to 70%	5.89% p.a.
		Above 70% and less than or equal to 80%	5.89% p.a.
		Above 80% and less than or equal to 90%	6.09% p.a.
	3 year	50% or less	5.89% p.a.
		Above 50% and less than 60%	5.89% p.a.
		Above 60% and less than or equal to 70%	5.89% p.a.
		Above 70% and less than or equal to 80%	5.89% p.a.
		Above 80% and less than or equal to 90%	5.99% p.a.
	4 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.29% p.a.
	5 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.29% p.a.

	Interest Rate
Variable reference rates	9.32% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.54% p.a.
		Above 80% and less than or equal to 90%	6.74% p.a.
	2 year	80% or less	6.04% p.a.
		Above 80% and less than or equal to 90%	6.24% p.a.
	3 year	80% or less	6.04% p.a.
		Above 80% and less than or equal to 90%	6.14% p.a.
	4 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.44% p.a.
	5 year	80% or less	6.34% p.a.
		Above 80% and less than or equal to 90%	6.44% p.a.

	Interest Rate
Variable reference rates	9.12% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.39% p.a.
		Above 50% and less than 60%	6.39% p.a.
		Above 60% and less than or equal to 70%	6.39% p.a.
		Above 70% and less than or equal to 80%	6.39% p.a.
		Above 80% and less than or equal to 90%	6.59% p.a.
	2 year	50% or less	5.89% p.a.
		Above 50% and less than 60%	5.89% p.a.
		Above 60% and less than or equal to 70%	5.89% p.a.
		Above 70% and less than or equal to 80%	5.89% p.a.
		Above 80% and less than or equal to 90%	6.09% p.a.
	3 year	50% or less	5.89% p.a.
		Above 50% and less than 60%	5.89% p.a.
		Above 60% and less than or equal to 70%	5.89% p.a.
		Above 70% and less than or equal to 80%	5.89% p.a.
		Above 80% and less than or equal to 90%	5.99% p.a.
	4 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.29% p.a.
	5 year	50% or less	6.19% p.a.
		Above 50% and less than 60%	6.19% p.a.
		Above 60% and less than or equal to 70%	6.19% p.a.
		Above 70% and less than or equal to 80%	6.19% p.a.
		Above 80% and less than or equal to 90%	6.29% p.a.

Variable Reference Rates

Need to see our Variable Reference rates? Find them here.

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The legal stuff.

Interest rates are current as at 8am 12-Dec-2024 and subject to change.

Investment loan purpose includes but is not limited to, funds for shares, land, construction or an established dwelling (including refinance of investment loans) for investment purposes. For loans with mixed purpose, investment rates apply where a loan is used predominantly (greater than 50%) for investment purposes.
Member Package annual fee of $395 applies.
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%.

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

Retro home loans.

Home loans no longer offered.

Home loans no longer offered.

Owner Occupier Principal & Interest.

Standard Home Loan

Standard Home Loan with Member Package²

Ultimate Offset Account

Ultimate Offset Account with Member Package²

Owner Occupier Interest Only

Standard Home Loan

Standard Home Loan with Member Package²

Ultimate Offset Account

Ultimate Offset Account with Member Package²

Investor¹ Principal & Interest

Standard Home Loan

Standard Home Loan with Member Package²

Ultimate Offset Account

Ultimate Offset Account with Member Package²

Investor¹ Interest Only

Standard Home Loan

Standard Home Loan with Member Package²

Ultimate Offset Account

Ultimate Offset Account with Member Package²

Variable Reference Rates

Variable Reference Rates

COMPARE.

MOBILE BANKER.

CALL US.

The legal stuff.

The legal stuff.

Retro home loans.

Home loans no longer offered.

Home loans no longer offered.

Owner Occupier Principal & Interest.

Standard Home Loan

Standard Home Loan with Member Package2

Ultimate Offset Account

Ultimate Offset Account with Member Package2

Owner Occupier Interest Only

Standard Home Loan

Standard Home Loan with Member Package2

Ultimate Offset Account

Ultimate Offset Account with Member Package2

Investor1 Principal & Interest

Standard Home Loan

Standard Home Loan with Member Package2

Ultimate Offset Account

Ultimate Offset Account with Member Package2

Investor1 Interest Only

Standard Home Loan

Standard Home Loan with Member Package2

Ultimate Offset Account

Ultimate Offset Account with Member Package2

Variable Reference Rates

Variable Reference Rates

COMPARE.

MOBILE BANKER.

CALL US.

The legal stuff.

The legal stuff.

Standard Home Loan with Member Package²

Ultimate Offset Account with Member Package²

Standard Home Loan with Member Package²

Ultimate Offset Account with Member Package²

Investor¹ Principal & Interest

Standard Home Loan with Member Package²

Ultimate Offset Account with Member Package²

Investor¹ Interest Only

Standard Home Loan with Member Package²

Ultimate Offset Account with Member Package²