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Refinancing 101.

Everything you need to know about getting yourself a better home loan deal.

Why refinance?

If rates have dropped or there’s a deal on offer, you could save a bundle by changing up your loan.

Refinancing 101

Time to refinance?

You could save money and time off your home loan just by switching. Find out how.

Freshen up your loan

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. 

Your step-by-step guide

Making the break.

Leaving your old loan will probably involve some refinancing costs – it pays to make sure you’ll come out in front.

Get across the costs

Prep for success.

If you’re getting ready to pull the trigger on a refinance, here are a few things to think about.

The refinance checklist

Get approved.

Ready to refinance your loan? You could get pre-approval today.

Let's talk home loans

Lock down your upgrade1.

Talk home loans

Lock down your upgrade1.

Talk home loans
Available to owner occupiers and investors on all ME home loan products if you:
  • Apply by 29/10/21 and settle by 31/12/2021
  • Switch your existing home loan from another lender
  • Take out a home loan with a minimum size of $250k
  • Take out a home loan with a maximum LVR of 80%

Help & support.

Need more help? We got you.

Offset accounts.

Got some savings? You reduce your interest by putting them in an offset account.

Offset your interest

Extra repayments.

With most ME home loans you can make as many extra repayments as you like, with no penalty.

Repay early and save

Top up your loan.

If your property has increased in value, you could borrow more from your loan – to spend as you please.

Top me up

Get in touch.

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

Sat 9am-5pm (AEST/AEDT)

Call ME.

Got home loan questions or want to apply over the phone?

13 15 63

Video call ME.

Prefer face-to-face without being in person? Book a time for a home loan specialist to Skype, video conference or Facetime you.

Book a video call

Meet ME.

One of our home loan specialists can visit at a time that works for you.

Book a time

The legal stuff.

The legal stuff.

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

  1. Cashback terms and conditions.
    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 $250,000. To be eligible for this offer, applications must be received between Monday 02 August 2021 and Friday 29 October 2021 (inclusive) and settled by Friday 31 December 2021.  Any eligible refinance applications received by ME between 10 April and 1 August (inclusive) will get the previously advertised $2,000 cashback offer. Not available 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, except construction loans and owner occupied loans with interest only repayments. A home loan application involving both a purchase and refinance are acceptable, provided all other eligibility criteria is satisfied. Loan to valuation ratio must be 80% or less. Only one $3,000 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 $3,000 cash back can be received per separate security property.   
     
    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.