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

We can’t fix your bad decor … but we can fix you up with $2.5k.

We’re all about making money good. Which is why we’re giving you $2,500 to switch your home loan over to ME.

Find out more

It’s a good time to refinance1.

Talk to ME

It’s a good time to refinance1.

Talk to ME

Available to owner occupiers and investors on all ME home loan products if you:
  • Apply by 31/08/22 and settle by 30/11/2022
  • 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

Chat with ME about a new 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 a new 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  11-Aug-2022 and is 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) Comparison Rate based on a Flexible Home Loan with Member Package of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

(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) Cashback terms and conditions.
A $2,500 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 Friday, 01 July 2022 and Wednesday, 31 August 2022 (inclusive) and settled by Wednesday, 30 November 2022. 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 $2,500 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 $2,500 cash back can be received per separate security property.

Eligible refinance applications received by ME prior to 31 May 2022 will get the previously advertised $3,000 cashback offer.

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.