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

Chat with ME about a new home loan on 1300 843 064 (Mon-Fri 8am-8pm, Sat 9am-5pm) or request a call back at your preferred time.
$3K cashback offer

$3,000 back in your pocket6

Switch to a ME home loan and step away with $3000.6

Available to owner occupiers and investors on all ME home loan products if you:
  • Apply from 15/06/2024, 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%

Stay one step ahead
with a speedy approval.

On the hunt for a better home loan?  Get speedy
turnaround times with ME home loans and go from
application to approval in a matter of days.

Reasons to track ME down.

One low variable rate, no application fee and zero monthly account keeping fees.3 That’s a Basic Home Loan with ME. If only everything was this simple.

No account keeping fees. 

You read right. There are no monthly account keeping fees at all.3

Free redraws.

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.

ME wins Best Value Basic Home Loan for Money Magazine 2021

Need to see our credentials?

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

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

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

The legal stuff.

The legal stuff.
  1. Interest rates are current as at 08-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.
  3. Solicitor, valuation and agent fees may apply.
  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 Bank have won Best Value Basic Home Loan - Bank Category for our Basic Home Loan product. The methodology behind each award is Ranked by the Comparison Rate for variable loans for a $400,000 owner-occupied, principal + interest mortgage over 25 years with an LVR of at least 80%. Must offer redraw.
  6. 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.

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