1. Enter your principal & interest rate

%
How do I find this?

If you're not sure of the rate you're currently being charged you should check with your lender. Your most recent home loan statement will tell you the applicable rate on the date of that statement.

2. Adjust your current loan details

$
$

3. Compare

Variable 3.89% | 4.30%

Maximum 80% LVR
?

For information and rates applicable to home loans with LVR above 80% you should compare our products here.

You could
save.

Reduce your interest and repayments by around(a):

$92per month

Putting this amount back into your loan could save you(b):

$21,799

That's equivalent to(c):

7 monthstime saved in paying off your loan

Things you
should know:

$3k cashback

Up to $3,000 will put a spring in your step5

Enjoy the flexibility of extra cash in your back pocket when you refinance your home loan to ME.

Available to owner occupiers and investors on all ME home loan products if they:

  • Apply from 08/09/2023, and settle within 120 days of the loan application date
  • Switch their existing home loan from another lender
  • Take out a home loan with a minimum size of $400k and maximum LVR of 80% (to receive $2K cashback)
  • Take out a home loan with a minimum size of $700k and maximum LVR of 80% (to receive $3K cashback)

Contact ME.

We keep our call centre in Australia,so we can focus on providing a high level of service and support to our customers.
 



 

Talk to ME.

We're available to help from Mon-Fri 8am-8pm (AEST/AEDT) Sat 8am-6pm (AEST/AEDT)

1300 540 181


 

Call ME later.

Set up a time that works for you. Our specialists can call, video chat or even do a home visit.

Book in with ME.


 

Meet ME.

Find a local home loan specialist in your area – then meet in a way that best suits you.

Meet our bankers.

Chat with ME about refinancing your home loan.

Need more help with your refinancing? Talk to one of our home loan specialists to learn everything you need to know about your home loan refinance.

Booking a time is fast and simple.

Our home loan experts will aim to call at your preferred time (otherwise within 24 hours).

Chat with ME about refinancing your home loan.

Need more help with your refinancing? Talk to one of our home loan specialists to learn everything you need to know about your home loan refinance.

Booking a time is fast and simple.

Our home loan experts will aim to call at your preferred time (otherwise within 24 hours).

FAQ's.

The legal stuff.

The legal stuff.

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

(1) Member Package annual fee of $395 applies.
(2) Interest rate is current at   19-May-2024 and 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.

(3) 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. 

(4) Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100.

(5) ME Cashback terms and conditions.
A $2,000 cash back offer is available on refinances of an existing home loan from another financial institution with a minimum new lending of $400,000 and a loan to value ratio (LVR) up to 80%. A $3,000 cash back offer is available on refinances of an existing home loan from another financial institution with a minimum new lending of $700,000 and an LVR of up to 80%. To be eligible for this offer, applications must be received from 8 September 2023 and settle within 120 days of the loan application date. Not available where any of the loan proceeds are for the refinance, restructure, switches or top ups of home loans from ME or from other lenders within the Bank of Queensland (BOQ) Group which includes BOQ, BOQ Specialist and Virgin Money (Australia).

This offer is available to Owner Occupier and Investors on all ME home loan products. Applications including any loan proceeds for Construction and owner occupied loans with interest only repayments are ineligible for the cashback offer. A home loan application involving both a purchase and refinance are not acceptable. Only one cash back can be received per qualifying home loan application regardless of the number of borrowers. In the case of multiple qualifying applications, only one cash back can be received per separate security property.

Eligible refinance applications received by ME prior to 8 September 2023 that also settled within 120 days of the loan application date will get the previously advertised cashback offer of $2,000 for minimum new lending of $250,000 with an LVR of less than 80%, or the previously advertised cashback offer of $4,000 for minimum new lending of $250,000 with an LVR of less than 60%.

The cash back amount will be paid within 60 days of loan settlement into the ME Everyday Transaction Account (ETA) held by the borrower first listed on the application. In the event the first listed borrower doesn’t hold an ETA, the cash back will be credited to the home loan it applies to. Terms, conditions, fees and charges apply. Applications are subject to credit approval. The offer can be withdrawn or varied at any time.

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