Home Loan Terms and Conditions
Interest rates are current as at
12-Sep-2026 and are subject to change.
≠ The variable interest rate may include a discount or margin that is applied to the product’s variable base 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.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.
Solicitor, valuation and agent fees may apply.
(1) EconoME Variable rate: New owner occupier, principal and interest, maximum LVR^ 80% on loan amounts $150,000 or more.
(2) CompleteME Variable Rate: Minimum loan size $400K. New owner occupier, principal and interest, max 60% LVR.
(5) All postcodes accepted - Subject to LVR restrictions; other conditions may apply.
(6)
$3,000 ME Cashback terms and conditions.
A $3,000 cash back offer is available on refinances of an existing home loan from another financial institution to ME Bank with a minimum new lending of $700,000 and a loan to value ratio (LVR) of up to 80%. To meet the minimum new lending amount, multiple or split refinance applications can be combined provided all combined lending is in the same customer’s name(s) and submitted at the same time This is a limited time offer, and applications must be received between 28 August 2026 to 28 February 2027 (inclusive) and must settle within 120 days of the loan application date.
This offer is available to Owner Occupier and Investors on all ME home loan products. This offer is not available for Owner-Occupied loans with interest only repayments. Applications that include both a refinance and a property purchase as part of the same application will be eligible for this offer, provided all other eligibility criteria are met. One of the borrowers on the loan application must hold a SpendME transaction account prior to payment of the cashback. This offer is not available where any of the loan funds are for the refinance, restructure, switches, or top ups of home loans from ME or any other Bank of Queensland (BOQ) Group lender including BOQ, BOQ Specialist and Virgin Money (Australia).
Only one cash back payment will be paid and any of the customers who have received a refinance cashback payment from within the BOQ Group within the last 12 months prior to the loan application date will be ineligible for this offer.
The cash back amount will be paid within 60 days of loan settlement into a SpendME transaction account only, held by the borrower(s) on the application. Cashback will not be paid to a home loan account or any other account type. Applications are subject to credit approval. This cashback offer can be withdrawn or varied at any time.
(7)
$2,000 ME Cashback terms and conditions.
A $2,000 cashback offer is available for eligible ME Bank CompleteME and EconoME Owner Occupier and Investor refinance and property purchase home loan applications submitted through ME Bank from 18 August 2026. To be eligible, the application must settle within 120 days of the loan application date, be for total new ME Bank lending of at least $400,000, have a loan to value ratio (LVR) greater than 80% and up to 95%, with Lenders Mortgage Insurance (LMI) payable and the applicant must have a SpendMe transaction account at the time of settlement.
Multiple or split loan applications can be combined to meet the minimum $400,000 new lending requirement provided all combined lending is in the same customer’s name(s), submitted at the same time and settle within the required 120 day period. The offer is not available for Owner Occupier loans with interest only repayments and for refinances, restructures, switches, or top ups of home loans from ME Bank or any other Bank of Queensland (BOQ) Group lender including BOQ, BOQ Specialist and Virgin Money Australia.
This offer is not available in conjunction with any other BOQ Group cashback offer, including the $3,000 ME refinance cashback offer. Only one $2,000 cashback will be paid per eligible application. If any borrower on an application has received a cashback from any BOQ Group brand in the previous 12 months of the settlement date, the application will be ineligible for this offer.
The cash back will be paid within 60 days of the loan settlement date into a SpendME transaction account only, held by the borrower(s) on the application. A borrower must hold an eligible SpendME transaction account at the time the cashback is paid. Cashback will not be paid to a home loan account or any other account type. Applications are subject to ME Bank’s credit approval criteria, term and conditions, fees and charges. ME Bank may vary or withdraw this offer at any time. Any variation or withdrawal will apply to applications received after the variation or withdrawal takes effect.