Home Loans.
First place, next place, investment place – whatever you’re moving towards, ME’s got a loan that suits a range of needs. {sub-heading}
I’m looking to...
Get up to $3,000 cashback.
Whether you're buying a new home or refinancing, you could get up to $3,000 cashback with a ME home loan.
- Get $3,000 cashback when you refinance from another lender, borrow $700,000 or more, and have a loan-to-value ratio (LVR) of 80% or less.6
- Get $2,000 cashback when you buy a new home or refinance an eligible home loan with an LVR above 80% and a minimum loan size of $400,000 and LMI payable.37
- Apply between 18/08/2026 and 28/02/2027 and settle within 120 days of the application date.
EconoME
Basic home loan goodness with all the flexibility and none of the annual fees.
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CompleteME 15
More flex, more frills, more ME for you.
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Key features and fees.
EconoME
CompleteME
Fee-free redraw (min $100).
If you have a variable rate home loan, you can take money back out (minimum $100)– no fees attached.
Redraw is not available during a fixed interest rate period.
Additional payments.
You can make additional repayments on a variable rate home loan at any time.
On fixed rate loans, extra repayments are limited to $10,000 per year.
Exceeding this limit may result in an early repayment charge. Redraw is only available during variable rate periods.
Split loan.
Combine fixed and variable interest rates to balance certainty with flexibility.
Offset account(s).
Reduce the interest you pay on variable-rate home loans when your SpendME account in the same name of one or more of the borrowers is the same and is linked as an offset.
No annual fee.
Keep ongoing costs lower with no yearly fee. Other fees and charges may apply, including settlement and valuation fees.
Fixed rate for 1-5 years.
Lock in certainty and know exactly what your repayments will be.
No application fee.
No top up or switch fee.
Make changes to your loan later without the extra fees.
Digital app.
Keep up with your loan with simple, on-the-go management in the ME Go app.
Let’s break it down.
Here’s what the home loan application process involves.
Chat with a home loan expert.
A quick chat about your goals and circumstances – so we can point you in the right direction.
Complete your application.
Your banker will guide you through a digital application and explain what documents we need. We’ll get everything sorted for you to review and sign.
We’ll keep you posted.
While we assess your application, your banker will keep you informed and explain what happens next, including conditional or formal approval when ready.
We handle settlement.
Once approved, we’ll manage the settlement process and tell you what to prepare, including making sure funds are ready to keep things running smoothly on the day.
Find our home loan rates.
Whether your an owner occupier, investor or on a legacy loan, all our home loan rates can be found in the one handy place. {sub-heading}
Get your fixed rate fix.
Craving some certainty? Have peace of mind knowing what your repayments will be with a fixed rate home loan. {sub-heading}
Both EconoME and CompleteME feature the option to fix your rate from one to five years. {sub-heading}
Your home loan in your own hands.
Have the power to control your home loan right in the palm of your hands. {sub-heading}
View, manage and customise your home loan, right from the ME Go app. {sub-heading}
View all your loan details.
See your next repayment, rate, term left, linked accounts, and offset benefits at-a-glance.
Stalk your equity.
Your property’s potential, in your pocket. See your available equity anytime with the ME Go app.
Link up to 10 offset accounts.
Open, link and unlink up to 10 offset accounts to a variable CompleteME home loan and use your savings to lower the amount of monthly interest you pay.
Our home loan calculators.
Determine the loan, get the home – compare your options with these four simple yet practical calculators.
Borrowing power.
Learn your limits - suss out your borrowing capacity so you can start planning that purchase.
Loan repayments.
Weigh up your home loan options to see how much your repayments could be.
Refinancing.
There are a number of reasons why refinancing your home loan could be a great idea - the biggest being financial.
Stamp duty.
Stamp duty differs from state-to-state, find out how much you could be up for with our handy calculator.
Good chat.
Got home loan questions? There are a few easy ways to get in touch and get the support you need.
Already a customer?
For existing home loan support, talk to ME.
Doing it tough?
FAQ's
What is the best loan option for first home buyers?
How much deposit do you need for a home loan?
It is worth noting that the higher your deposit, the lower your principal will be. This means that the size of your loan will be smaller the higher your deposit.
Fixed interest rate vs variable interest rate.
A variable rate can change with the home loan market, which can push rates up or down. That can be good for you if rates are getting cheaper, or it can increase your expenses if rates go up.