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
Suitable for A first home buyer, current home owner, investor, refinancer or renovator
Minimum loan amount $50,000
Repayment options Choose from weekly, fortnightly or monthly repayments
'All in one' facility 100% offset transaction facility with debit card
Free redraw on variable rate loans
We'll come to you Book a Mobile Banking Manager to come to your home or workplace
Pay off your loan sooner Designed to help you pay off your loan sooner by reducing the amount of interest you pay
No application fee or ongoing account-keeping fee
Borrow up to 95% of the property valuation
Variable or split loan options
100% offset transaction facility with direct salary crediting available

Flexible weekly, fortnightly or monthly repayment options

Principal and interest payments only

Choose loan periods from 5 to 30 years
Free access with your debit card at more than 3,000 ATMs Australia-wide including ME Bank, Westpac, St.George, Bank of Melbourne and BankSA ATMs (except at BP stations)
Free transactional banking at Australia Post Bank@PostTM outlets
Cheque book option available
  Rate Comparison rate    
Variable 5.43% p.a. 5.44% p.a.    
1 year fixed * 4.69% p.a. 5.42% p.a.    
3 year fixed * 4.28% p.a. 5.30% p.a.    
5 year fixed * 4.59% p.a. 5.28% 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. 


(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
Removal of a borrower or guarantor $200
Consent to a dealing $150
Security substitution fee $200
Bank cheques purchase and repurchase $10
Bank cheque replace $10

Dishonour inward

(direct entry initiated by ME Bank)


Dishonour outward

(direct entry initiated by another financial institution)

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

No fee.

Withdrawals and balance enquiries at all other Australian ATMs may incur an ATM operator fee charged by the ATM operator

Bank@PostTM No fee
Cheque written No fee
Dishonour outward

(cheque payment initiated by ME Bank)

Dishonour inward

(cheque payment initiated by another financial institution)

No fee
Cheque stop payment No fee
Cheque trace $15
Copies of vouchers

$5 per voucher or $60 per hour

(whichever is less)


(duplicate or interim)

$5 per statement
Telegraphic transfer  $30

Things you should know.

Interest rates are current at 8am 04-Mar-2015 and are subject to change. Fees and charges apply. Terms and conditions available upon request. Applications are subject to credit approval.

Ultimate Offset Account - Fixed rates are only available on split loans and part of the split loan must have a variable rate. The example given assumes that the loan is split 50/50 between variable rate and fixed rate portions. Offset applies only to one variable portion of a split loan.

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.