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Home Loans < Home Loan Rates

Please note these home loans are no longer offered.

Retro home loans.

Please note these home loans are no longer offered.

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.

Standard Home Loan

	Interest Rate
Variable reference rates	7.82% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.19% 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	5.94% p.a.
		Above 80% and less than or equal to 90%	6.29% p.a.
		More than 90%	6.89%p.a.
	3 year	80% or less	6.09% p.a.
		Above 80% and less than or equal to 90%	6.34% p.a
		More than 90%	6.99%p.a.
	4 year	80% or less	6.39% p.a.
		Above 80% and less than or equal to 90%	6.64% p.a.
		More than 90%	7.14%p.a.
	5 year	80% or less	6.39% p.a.
		Above 80% and less than or equal to 90%	6.64% p.a.
		More than 90%	7.29%p.a.

Standard Home Loan with Member Package²

	Interest rate
Variable reference rates	7.62% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.04% p.a.
		Above 50% and less than 60%	6.04% p.a.
		Above 60% and less than or equal to 70%	6.04% p.a.
		Above 70% and less than or equal to 80%	6.04% 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	5.79% p.a.
		Above 50% and less than 60%	5.79% p.a.
		Above 60% and less than or equal to 70%	5.79% p.a.
		Above 70% and less than or equal to 80%	5.79% p.a.
		Above 80% and less than or equal to 90%	6.14% p.a.
		More than 90%	6.74% p.a.
	3 year	50% or less	5.94% p.a.
		Above 50% and less than 60%	5.94% p.a.
		Above 60% and less than or equal to 70%	5.94% p.a.
		Above 70% and less than or equal to 80%	5.94% p.a.
		Above 80% and less than or equal to 90%	6.19% p.a.
		More than 90%	6.84% p.a.
	4 year	50% or less	6.24% p.a.
		Above 50% and less than 60%	6.24% p.a.
		Above 60% and less than or equal to 70%	6.24% p.a.
		Above 70% and less than or equal to 80%	6.24% p.a.
		Above 80% and less than or equal to 90%	6.49% p.a.
		More than 90%	6.99% p.a.
	5 year	50% or less	6.24% p.a.
		Above 50% and less than 60%	6.24% p.a.
		Above 60% and less than or equal to 70%	6.24% p.a.
		Above 70% and less than or equal to 80%	6.24% p.a.
		Above 80% and less than or equal to 90%	6.49% p.a.
		More than 90%	7.14% p.a.

Ultimate Offset Account

	Interest rate
Variable reference rates	7.82% p.a.

Term	LVR³	Interest Rate
1 year	80% or less	6.19% 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	5.94% p.a.
	Above 80% and less than or equal to 90%	6.29% p.a.
	More than 90%	6.89% p.a.
3 year	80% or less	6.09% p.a.
	Above 80% and less than or equal to 90%	6.34% p.a.
	More than 90%	6.99% p.a.
4 year	80% or less	6.39% p.a.
	Above 80% and less than or equal to 90%	6.64% p.a.
	More than 90%	7.14% p.a.
5 year	80% or less	6.39% p.a.
	Above 80% and less than or equal to 90%	6.64% p.a.
	More than 90%	7.29% p.a.

Ultimate Offset Account with Member Package²

	Interest rate
Variable reference rates	7.62% p.a.

Term	LVR³	Interest Rate
1 year	50% or less	6.04% p.a.
	Above 50% and less than 60%	6.04% p.a.
	Above 60% and less than or equal to 70%	6.04% p.a.
	Above 70% and less than or equal to 80%	6.04% 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	5.79% p.a.
	Above 50% and less than 60%	5.79% p.a.
	Above 60% and less than or equal to 70%	5.79% p.a.
	Above 70% and less than or equal to 80%	5.79% p.a.
	Above 80% and less than or equal to 90%	6.14% p.a.
	More than 90%	6.74% p.a.
3 year	50% or less	5.94% p.a.
	Above 50% and less than 60%	5.94% p.a.
	Above 60% and less than or equal to 70%	5.94% p.a.
	Above 70% and less than or equal to 80%	5.94% p.a.
	Above 80% and less than or equal to 90%	6.19% p.a.
	More than 90%	6.84% p.a.
4 year	50% or less	6.24% p.a.
	Above 50% and less than 60%	6.24% p.a.
	Above 60% and less than or equal to 70%	6.24% p.a.
	Above 70% and less than or equal to 80%	6.24% p.a.
	Above 80% and less than or equal to 90%	6.49% p.a.
	More than 90%	6.99% p.a.
5 year	50% or less	6.24% p.a.
	Above 50% and less than 60%	6.24% p.a.
	Above 60% and less than or equal to 70%	6.24% p.a.
	Above 70% and less than or equal to 80%	6.24% p.a.
	Above 80% and less than or equal to 90%	6.49% p.a.
	More than 90%	7.14% p.a.

Owner Occupier Interest Only

Standard Home Loan

	Term	LVR³	Interest Rate
Variable reference rates			8.32% 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.

Standard Home Loan with Member Package²

	Term	LVR³	Interest Rate
Variable reference rates			8.12% 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.

Ultimate Offset Account

	Term	LVR³	Interest Rate
Variable reference rates			8.32% 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.

Ultimate Offset Account with Member Package²

	Term	LVR³	Interest Rate
Variable reference rates			8.12% 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

Standard Home Loan

	Interest Rate
Variable reference rates	8.12% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.39% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.
	2 year	80% or less	6.10% p.a.
		Above 80% and less than or equal to 90%	6.30% p.a.
	3 year	80% or less	6.29% p.a.
		Above 80% and less than or equal to 90%	6.39% p.a.
	4 year	80% or less	6.59% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.
	5 year	80% or less	6.59% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.

Standard Home Loan with Member Package²

	Interest Rate
Variable reference rates	7.92% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.24% p.a.
		Above 50% and less than 60%	6.24% p.a.
		Above 60% and less than or equal to 70%	6.24% p.a.
		Above 70% and less than or equal to 80%	6.24% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.
	2 year	50% or less	5.95% p.a.
		Above 50% and less than 60%	5.95% p.a.
		Above 60% and less than or equal to 70%	5.95% p.a.
		Above 70% and less than or equal to 80%	5.95% p.a.
		Above 80% and less than or equal to 90%	6.15% p.a.
	3 year	50% or less	6.14% p.a.
		Above 50% and less than 60%	6.14% p.a.
		Above 60% and less than or equal to 70%	6.14% p.a.
		Above 70% and less than or equal to 80%	6.14% p.a.
		Above 80% and less than or equal to 90%	6.24% p.a.
	4 year	50% or less	6.44% p.a.
		Above 50% and less than 60%	6.44% p.a.
		Above 60% and less than or equal to 70%	6.44% p.a.
		Above 70% and less than or equal to 80%	6.44% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.
	5 year	50% or less	6.44% p.a.
		Above 50% and less than 60%	6.44% p.a.
		Above 60% and less than or equal to 70%	6.44% p.a.
		Above 70% and less than or equal to 80%	6.44% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.

Ultimate Offset Account

	Interest Rate
Variable reference rates	8.12% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.39% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.
	2 year	80% or less	6.10% p.a.
		Above 80% and less than or equal to 90%	6.30% p.a.
	3 year	80% or less	6.29% p.a.
		Above 80% and less than or equal to 90%	6.39% p.a.
	4 year	80% or less	6.59% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.
	5 year	80% or less	6.59% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.

Ultimate Offset Account with Member Package²

	Interest Rate
Variable reference rates	7.92% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.24% p.a.
		Above 50% and less than 60%	6.24% p.a.
		Above 60% and less than or equal to 70%	6.24% p.a.
		Above 70% and less than or equal to 80%	6.24% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.
	2 year	50% or less	5.95% p.a.
		Above 50% and less than 60%	5.95% p.a.
		Above 60% and less than or equal to 70%	5.95% p.a.
		Above 70% and less than or equal to 80%	5.95% p.a.
		Above 80% and less than or equal to 90%	6.15% p.a.
	3 year	50% or less	6.14% p.a.
		Above 50% and less than 60%	6.14% p.a.
		Above 60% and less than or equal to 70%	6.14% p.a.
		Above 70% and less than or equal to 80%	6.14% p.a.
		Above 80% and less than or equal to 90%	6.24% p.a.
	4 year	50% or less	6.44% p.a.
		Above 50% and less than 60%	6.44% p.a.
		Above 60% and less than or equal to 70%	6.44% p.a.
		Above 70% and less than or equal to 80%	6.44% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.
	5 year	50% or less	6.44% p.a.
		Above 50% and less than 60%	6.44% p.a.
		Above 60% and less than or equal to 70%	6.44% p.a.
		Above 70% and less than or equal to 80%	6.44% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.

Investor¹ Interest Only

Standard Home Loan

	Interest Rate
Variable reference rates	8.57% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.39% p.a.
		Above 80% and less than or equal to 90%	6.59% p.a.
	2 year	80% or less	6.14% p.a.
		Above 80% and less than or equal to 90%	6.34% p.a.
	3 year	80% or less	6.29% p.a.
		Above 80% and less than or equal to 90%	6.39% p.a.
	4 year	80% or less	6.59% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.
	5 year	80% or less	6.59% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.

Standard Home Loan with Member Package²

	Interest Rate
Variable reference rates	8.37% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.24% p.a.
		Above 50% and less than 60%	6.24% p.a.
		Above 60% and less than or equal to 70%	6.24% p.a.
		Above 70% and less than or equal to 80%	6.24% p.a.
		Above 80% and less than or equal to 90%	6.44% p.a.
	2 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%	6.19% p.a.
	3 year	50% or less	6.14% p.a.
		Above 50% and less than 60%	6.14% p.a.
		Above 60% and less than or equal to 70%	6.14% p.a.
		Above 70% and less than or equal to 80%	6.14% p.a.
		Above 80% and less than or equal to 90%	6.24% p.a.
	4 year	50% or less	6.44% p.a.
		Above 50% and less than 60%	6.44% p.a.
		Above 60% and less than or equal to 70%	6.44% p.a.
		Above 70% and less than or equal to 80%	6.44% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.
	5 year	50% or less	6.44% p.a.
		Above 50% and less than 60%	6.44% p.a.
		Above 60% and less than or equal to 70%	6.44% p.a.
		Above 70% and less than or equal to 80%	6.44% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.

Ultimate Offset Account

	Interest Rate
Variable reference rates	8.57% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	80% or less	6.39% p.a.
		Above 80% and less than or equal to 90%	6.59% p.a.
	2 year	80% or less	6.14% p.a.
		Above 80% and less than or equal to 90%	6.34% p.a.
	3 year	80% or less	6.29% p.a.
		Above 80% and less than or equal to 90%	6.39% p.a.
	4 year	80% or less	6.59% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.
	5 year	80% or less	6.59% p.a.
		Above 80% and less than or equal to 90%	6.69% p.a.

Ultimate Offset Account with Member Package²

	Interest Rate
Variable reference rates	8.37% p.a.

	Term	LVR³	Interest Rate
Fixed	1 year	50% or less	6.24% p.a.
		Above 50% and less than 60%	6.24% p.a.
		Above 60% and less than or equal to 70%	6.24% p.a.
		Above 70% and less than or equal to 80%	6.24% p.a.
		Above 80% and less than or equal to 90%	6.44% p.a.
	2 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%	6.19% p.a.
	3 year	50% or less	6.14% p.a.
		Above 50% and less than 60%	6.14% p.a.
		Above 60% and less than or equal to 70%	6.14% p.a.
		Above 70% and less than or equal to 80%	6.14% p.a.
		Above 80% and less than or equal to 90%	6.24% p.a.
	4 year	50% or less	6.44% p.a.
		Above 50% and less than 60%	6.44% p.a.
		Above 60% and less than or equal to 70%	6.44% p.a.
		Above 70% and less than or equal to 80%	6.44% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.
	5 year	50% or less	6.44% p.a.
		Above 50% and less than 60%	6.44% p.a.
		Above 60% and less than or equal to 70%	6.44% p.a.
		Above 70% and less than or equal to 80%	6.44% p.a.
		Above 80% and less than or equal to 90%	6.54% p.a.

Reference Rates

Need to see our Variable Reference rates?

See all reference rates

Owner Occupier

Rates to get you home.

See our rates

Investor

Rates for the go-getter.

See our rates

Retro

Rates for old school loans.
These rates are no longer offered.

See our rates

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The legal stuff.

Interest rates are current as at 8am 19-Jan-2026 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.

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ME Bank – a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence Number 244616. | Registered Address: Level 3, 100 Skyring Terrace, Newstead, Queensland 4006.

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

Reference Rates

Owner Occupier

Investor

Retro

Join ME.

Talk to ME.

Compare.

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