Book a Mobile Banker

A Mobile Banker can visit you at a time and place convenient for you for an obligation-free discussion about your home loan.

Book a Mobile Banker
  • >Free service
  • >No obligation


Pay off your loan sooner

Combine with a Member Package and receive a lower variable rate on your loan
Minimum loan amount $40,000
Repayment options Choose from weekly, fortnightly or monthly repayments
Fewer and lower fees No application fee or ongoing account-keeping fees
Redraw Free redraw on variable rate loans
Additional repayments No extra charge for additional repayments to a variable rate loan, and for new loans, no extra charge for additional repayments up to $30,000 on any fixed rate component during the fixed interest rate period
We'll come to you Book a Mobile Banking Manager to come to your home or workplace
Genuinely fairer A standard variable rate that's been lower than those of the big banks every month of every year since we became a bank in 2001
No application fee or ongoing account-keeping fee
Borrow up to 95% of the property valuation
Choose from fixed, variable or split loan options
Free redraw facility on variable rate loans

Flexible weekly, fortnightly or monthly repayment options

Principal and interest payments only

For new loans, make additional repayments to fixed rate home loans up to a total of $30,000 during the fixed rate period.
Choose loan periods from 5 to 30 years
Fixed rate terms available for 1, 3 or 5 years
  Rate Comparison rate    
Variable 5.13% p.a. 5.14% p.a.    
1 year fixed 4.29% p.a. 5.06% p.a.    
3 year fixed 3.99% p.a. 4.84% p.a.    
5 year fixed 4.39% p.a. 4.84% p.a.    


Application fee No fee
Account-keeping fee No fee
Solicitor's fee

Our solicitors prepare the mortgage and attend to settlement of your property and this fee covers some of our costs.


(waived under a Member Package)

Valuation fee

We may need to value your property and this fee is charged per property valued and covers some of our costs. This fee applies to contracts settled on or after 1 July 2011. It is waived if you have a Member Package.


(waived under a Member Package)

Agent fee

Payable at or before settlement if our external solicitors are required to instruct an agent to conduct the settlement (e.g. settlements which take place in rural areas).

Lenders Mortgage Insurance (LMI)

Payable when the loan amount is greater than 80% of the property's value. For more information on when and how much LMI is required, please call us on 13 15 63.

Call us
Interest Rate Variation Fee

This fee is payable when you change your variable rate loan to all or partial fixed rate loan. It is waived if you have a Member Package.


(waived under a Member Package)

Setup recovery fee

If your loan is repaid within 5 years. Payable on loans settled before 1 July 2011.

Production of title $150
Full or partial discharge of mortgage $200
Security substitution fee $200
Removal of a borrower or guarantor $200
Consent to a dealing $150
Bank cheques purchase, repurchase or replace $10

Dishonour outward

(direct entry initiated by another financial institution)


Dishonour inward

(direct entry initiated by ME Bank)

ATM cash withdrawals and balance enquiries at ME Bank, Westpac, Bank of Melbourne, St.George or BankSA ATMs (except ATMs at BP stations)


Bank@PostTM N/A
Cheque written N/A
Dishonour outward

(cheque payment initiated by another financial institution)

Dishonour inward

(cheque payment initiated by ME Bank)

Cheque stop payment N/A
Cheque trace N/A
Copies of vouchers



(duplicate or interim)

No fee

Things you should know.

Interest rates are current at 8am 25-Apr-2015 and are subject to change. Fees and charges apply. Terms and conditions available upon request. Applications are subject to credit approval.

Comparison rates calculated on a loan of $150,000 for a term of 25 years, repaid monthly. 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.