A home loan doesn’t have to mean giving up on life’s little luxuries. ME has two loans – Basic and Flexible – with competitive rates so you can still do Sunday brunch and afford a decent coffee every day. Our home loan specialists can run you through the best options on the menu, so you can have the loan and keep your lifestyle. Dig in.

A tasty rate.







For the full lowdown on our tasty home loan rates check out our rates page.

Our home loans at a glance.

features.basic home loan.flexible home loan.
Perfect for Sunday brunch
No application fee4
No ongoing account-keeping fees
Member Package available ($395 annual fee)1
(includes 0.94%p.a. discount on the life of the loan)
Variable rate option
Fixed rate option (1-7 years)
Split your loan option
100% offset transaction facility
Pre-payment options N/A
No redraw fees
Borrow up to 95% of property valuation
more details more details

Success is in the recipe.

There’s a lot to think about on the way to moving in to your own place.
Follow this step-by-step recipe and you’ll be cooking in no time.


talk to a lender

Before you even start looking at properties, narrow your search by getting a sense of what you can afford. Get in touch with ME – for an obligation-free home loan chat.


start hunting

Research the market and get a feel for the prices in the area you want. When you find a place you’re interest in, here’s what you’ll need to do:

  • Contact your lender to set up a loan.
  • Get the sale contract your solicitor/conveyancer to review.
  • Consider a building inspection, and a strata report for a unit.

make an offer

Take the plunge and make your offer. If it’s accepted, things really get going:

  • You’ll sign a sale contract and pay a deposit.
  • Consider building insurance to protect your investment.
  • Your solicitor/conveyancer and your lender will set up a settlement date.

settle up

Your solicitor (or conveyancer) will get to work transferring the property into your name. When settlement time arrives, you’ll need some extra money handy to cover things like stamp duty, legal fees and any adjustments for rates and utilities.


make yourself a home

Pick up the keys and pop the champagne – anyone for brunch?

Our Shout.

Want to chat to a home loan specialist? Fill in the form below to request a call back or call 13 15 63 if you’re ready now.

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things you should know

  1. Member Package annual fee of $395 applies.
  2. Interest rate is current as at 20-Sep-2017 and is subject to change. It includes a 0.94%p.a. discount off the variable reference rate. Today’s interest rate can be found here.
    The 0.94% p.a. discount is offered off the reference rate for variable Flexible Home Loans with a Member Package where the primary loan purpose at application is owner occupied and where the loan amount is less or equal to 80% of the value of your property (“LVR”). Only applies to new home loan applications with a loan amount from $400,000 to <$700,000. 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 this discount at any time. If you apply after the discount has been withdrawn the Flexible Home Loan with Member Package variable rate without discount (the reference rate) will apply.
  3. 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.
  4. Solicitor, valuation and agent fees may apply.
  5. Credit criteria, terms, conditions, fees and charges apply.