Refinance with
the right home loan.
Find out how much our great rates and flexible features could save you.
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Variable rate
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Comparison rate
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EconoME Home Loan. New owner occupier, principal and interest, maximum 60% LVR4 loan amount $150,000 or more.
Get up to $3,000 cashback.
Refinance to a ME home loan and you could get up to $3,000 cashback.
- Get $3,000 cashback when you refinance from another lender, borrow $700,000 or more, and have a loan-to-value ratio (LVR) of 80% or less.6
- Get $2,000 cashback when you refinance an eligible home loan with an LVR above 80% and a minimum loan size of $400,000.37
- Apply between 18/08/2026 and 28/02/2027 and settle within 120 days of the application date.
EconoME
Basic home loan goodness with all the flexibility and none of the annual fees.
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No annual fees.
We’ve ditched annual fees so you can keep more of your money.
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Low rate.
We keep our home loan rates competitive and our value good.
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Pay your loan off sooner.
Unlimited additional payments on your variable rate home loan or up to $10,000 each year on your fixed rate loan and withdrawal during a variable rate period.
CompleteME
More flex, more frills, more ME for you.
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100% offset account.
Link up to 10 SpendME accounts to lower your interest, all while doing good for the community.
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Remix your loan.
Choose from variable, fixed (1-5 years), interest only home loans, or a mix of all of them.
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Pay your loan off sooner.
Unlimited additional payments on your variable rate home loan or up to $10,000 each year on your fixed rate loan and withdrawal during a variable rate period.
Chat with ME about a new home loan.
Booking a time is fast and simple.
Start with a quick, no obligation chat at a time that works for you.
Our home loan experts will aim to contact you within 24 hours.
Alternatively, you can call us on
1300 843 064.
We’re available to help from
Monday to Friday 8am-8pm (AEST/AEDT)
Saturday 9am-5pm (AEST/AEDT)
Excluding public holidays
Need help with an existing loan?
Already have a ME home loan? Visit our Home Loan Help Centre for helpful information and self-service options. If you can't find what you're looking for, give ME a call on 13 15 63. It's the quickest way to get the help you need from our team.
Home Loan Help Centre{small-button}
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Refinancing tips & tricks.
Understanding how to refinance your home loan can feel daunting. We’re here to make it easier.
Find everything you need to know about getting yourself a better home loan deal.
How to refinance.
It’s just like taking out a new loan – that pays out your old one. Read up on the best time to look at refinancing.
Prep for success.
If you’re getting ready to pull the trigger on a home loan refinance, here are a few things to think about.
Why refinance?
When was the last time you checked out the home loan competition? You could save a bundle by changing up your home loan.
Good chat.
Have home loan questions? We offer a number of ways to get in touch with us for high quality support.
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.
Join ME.
Want to find out more? Just let us know a few things about yourself and we will be in touch.
Meet ME.
Find a local home loan specialist in your area – then meet in a way that best suits you.