Are you on the right road for cashback?6

Are you on the right road for cashback?6
Available to owner occupiers and investors on all ME home loan products if you:
  • Apply by 09/04/2021 and settle by 30/06/2021
  • Switch your existing home loan from another lender
  • Take out a home loan with a minimum size of $400k
  • Take out a home loan with a maximum LVR of 80%

Reasons to choose ME.

Our Flexible Home Loan with Member Package offers a range of features and benefits for an annual fee of $395.

More about the flexible home loan with member package

Talk home loans

Whiz by your payments.

Pay your variable rate loan off as early as you want – with no penalty.

We've put our own spin on fees.

No valuation fee, no top-up fee, no fee to fix or split your loan after you settle.

Watch interest melt with multiple offset accounts.

For no additional fee, you can have up to eight 100% offset accounts5. Perfect for saving on interest, and also helping you manage your different savings goals.

Variable, Fixed, Split. Oh my

Go 100% variable, 100% fixed or split between these options for 1-7 years.

Turbulent times? Cash out.

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

Courage to take a break.

Apply to take a break from repayments when the unexpected happens (if you're ahead on your repayments).

Our interest rates.

Our flexible Home Loan with Member Package offers a range of features and benefits for an annual fee of $395.

Ready to take the next step?

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

Ready to take the next step?

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

Privacy statement.

Privacy statement.

We’re collecting your personal information so we can respond to your request, and we’ll retain your details so we can keep in touch. We may call, or send you further information relating to your enquiry, or to promote other products or services that may be of interest.

You can ask us not to contact you either in person or by unsubscribing in the communications we may send. If you’ve previously opted out from marketing contact this request will override earlier instructions.

For details about how we handle your personal information, or how you can access or correct this information or raise any concerns refer to ME Privacy and Credit Reporting Policy.

The legal stuff.

The legal stuff.
  1. Interest rates available for new applications submitted from 01-Mar-2021 and are subject to change. Internal refinances, top ups, additional advances or variations of existing home loans are not eligible.
  2. 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.
  3. Member Package annual fee of $395 applies.
  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. Terms, conditions, fees and charges apply. Applications are subject to credit approval.
  5. Each offset account must be linked to a separate variable rate facility (maximum 8 permitted).
  6. 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. Applications must be received between Monday, 15th February 2021 and Friday, 9th April 2021 (inclusive) and settled by Wednesday, 30th June 2021. Internal refinances or top ups of existing ME home loans are excluded from the offer. 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 $2,000 cash back can be received per qualifying home loan application.

    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.