We've announced changes to our lending interest rates following the RBA's rate cut. Learn more. Learn more.
Internet Banking
For ME Bank customers with all other products.
ME Go Internet Banking
For customers who have a SpendME, SaveME or HomeME account.
Find out how much our great rates and flexible features could save you.
Variable rate
5.63%p.a.1
Comparison rate
5.65%p.a.2
ME Basic Home Loan. New owner occupier, principal and interest, maximum 80% LVR4 loan amount $150,000 or more.
Reasons to track ME down.
You read right. There are no monthly account keeping fees at all.3
Get cash for emergencies from available funds if you're ahead on payments (minimum $500).
Pay early.
Pay your loan off as early as you want.
The Best of The Best Award recognises ME’s no-frills home loan as the best value Basic Home Loan from a bank5 for having one low variable rate, no application fee and zero monthly account-keeping fees.3
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
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.
Monday to Friday 8am–8pm Saturday 9am–5pm (AEDT) Excluding public holidays.
Find a local home loan specialist in your area – then meet in a way that best suits you.
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.