$3K cashback offer

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

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 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)

We’re bringing flexi back.

ME’s Flexible Home Loan works around your lifestyle – here’s a few reasons why.

Talk to ME
 

Up to 8 offsets.

Save on interest and budget better with up to 8 offset accounts.
 

Variable, fixed, split.

Go variable, fix for 1 – 5 years, or just split your loan and do both. Live flexibly.
 

Unlimited free redraws.

Get cash for emergencies from available funds if you’re ahead on payments (minimum $500).

Repayment holiday.

Apply to take a break from repayments when the unexpected happens, if you’re ahead on your repayments. 
 

Meet ME at you.

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

Extra repayments.

If you want to make additional repayments on your variable rate, you can – with no penalties.
 

Mozo Flexible Home Loan Award 2022

ME’s Flexible Home Loan with Member Package has won Mozo’s Expert Choice Award 2022 for a Packaged Home Loan.

ME recommends adding this package to get the most out of your home loan, plus with no top-up fee, you’ll save $250.

Good to go?

One of our home loan specialists will be in touch within 24 hours to answer any of your questions or book an appointment at a time that suits you.

Alternatively, you can call us on 1300 843 064.

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

Good to go?

One of our home loan specialists will be in touch within 24 hours to answer any of your questions or book an appointment at a time that suits you.

Alternatively, you can call us on 1300 843 064.

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

The legal stuff.

The legal stuff.

  1. Interest rates are current as at 25-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.
  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.
  3. Member Package annual fee of $395 applies.
  4. Loan to Value Ratio (LVR) compares the amount you have owing on your 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 $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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