We've announced changes to our lending interest rates following the RBA's rate cut. Learn more. Learn more.

What do we have to offer?

Get a home loan that suits your lifestyle.
 

Chat to our dedicated team about a new or existing home loan on

1300 540 181

We're available to help from:
Monday to Friday 8am-8pm (AEDT)
Saturday 9am-5pm (AEDT)
(We take national public holidays off.)

Basic

A no-nonsense, variable rate home loan.                                   

  Low variable rate. Keep it simple with our no-frills, award winning home loan.

 
  Fee-free redraw. Get cash for emergencies (minimum $500).

 
  No annual or monthly fees. No need to worry about any extra addons.
 

5.63% p.a.             5.65% p.a.
variable rate1                                       comparison rate2

Flexible + Member package*

Get a lower variable rate with a swag of features for $395 p.a.

  Flexibility. Go variable, or fix for 1-5 years, or split your loan or do both.

 
  Offset account. Let your savings reduce your interest repayments.

 
  Fee-free redraw. Get cash for emergencies (minimum $500).
 

5.64% p.a.             6.04% p.a.
variable rate1                                       comparison rate2

$3k cashback

Switch your home loan to ME and get up to $3k cashback.5

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

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

  • Apply from 08/09/2023, and settle within 120 days of the loan application date
  • Switch your existing home loan from another lender
  • Take out a home loan with a minimum size of $700k and maximum LVR of 80%
Find out more
Kazoo celebrating getting into a new home loan

We've launched a whole new way
to home loan.

Good value and control go hand-in-hand, in the palm of your hands with our 2 brand new, fully digital home loans exclusive to the ME Go app. Choose fee-free simplicity or full featured flexibility, and view, manage and customise your home loan right from the app.
Find out more

Owner Occupier interest rates.

See all Owner Occupier and
Investor home loan rates.

See all rates


 

Details and fees.

See all home loan fees and charges
Find out more

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

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

Calculate with ME.

Determine the loan, get the home – compare your options with these practical calculators.

Borrowing power.

Learn your limits – suss out your borrowing capacity so you can start planning that purchase.

Calculate my borrowing power

Loan repayments.

Weigh up your home loan options to see how much your repayments could be.

Calculate my loan repayments

Compare loans.

Compare home rates and features side by side with our nifty comparison calculator.

Compare our loans

Explore The Feed.

Want to learn more about variable home loans?

From home loans to general finance, learn more with ME.

What are my home loan options?

It’s important to know all the options available to you. Discover more about home loan features.

Learn more about your home loan

Why should I be comparing loans?

Checking out the competition ensures that you are getting the best deal. Find out how to compare home loans to get the best deal for you.

Learn how to compare home loans

Home loan repayments 101.

You can get on top of your repayments by understanding them better. Here are a few things to help you better understand them.

Understand home loan repayments

Good chat.

Have home loan questions? We offer a number of ways to get in touch with us for a high quality support, including a call centre located right here in Australia.

Want to find out more? Just let us know a few things about yourself and we will be in touch.

Enquire now

Monday to Friday 8am–8pm
Saturday 9am–5pm
(AEDT) Excluding public holidays.

1300 540 181

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

Meet our bankers

Frequently asked questions.

Looking for a more simple home loan?

Check out our Basic Home Loan.

Back to basics
Flexible home loan

Looking for a home loan with more features?

Check out our Flexible Home Loan.
Get flexible

The legal stuff.

The legal stuff.

Home loan terms and conditions (PDF)

*Member Package annual fee of $395 applies.

(1) Interest rates are current as at  30-Jun-2025 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.

(2) Home Loan comparison rates are based 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. The comparison rates for fixed loans with interest only repayments are based on the interest only period being equal to the fixed rate term.

(3) Solicitor, valuation and agent fees may apply.

(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. 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%.

(5) ME 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 $700,000 and a loan to value ratio (LVR) of up to 80%. This minimum amount cannot be split across multiple applications. To be eligible for this offer, applications must be received from 15 June 2024 and settle within 120 days of the loan application date. 
 
This offer is 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 but is not available to applications for Owner-Occupied loans with interest only repayments. A home loan application involving both a purchase and refinance is not eligible. 
 
Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers. In the case of multiple qualifying applications, only one cash back will be paid 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.  
 

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