skip to content
Find out how much our great rates and flexible features could save you.
Talk to ME
Refinance with
the right home loan.
Find out how much our great rates and flexible features could save you.
Talk to ME
Comparison rate
6.15%p.a.3
ME Basic Home Loan. New owner occupier, principal and interest, maximum 80% LVR4 loan amount $150,000 or more.
$3,000 back in your pocket6
Enjoy the flexibility of extra cash in your back pocket when you refinance your home loan to ME.
Available to owner occupiers and investors on all ME home loan products if they:
- Apply from 15/06/2024, and settle within 120 days of the loan application date
- Switch their existing home loan from another lender
- Take out a home loan with a minimum size of $700k and maximum LVR of 80%
1. Enter your principal & interest rate
2. Adjust your current loan details
30
3. Compare
Variable 3.89% | 4.30%
Maximum 80% LVR
?
For information and rates applicable to home loans with LVR above 80% you should compare our products here.
You could
save.
Reduce your interest and repayments by around(a):
$92per month
Putting this amount back into your loan could save you(b):
$21,799
That's equivalent to(c):
7 monthstime saved in paying off your loan
Well done you
Seems like you're already on a great rate
that we can't beat. High five!
Chat with ME about refinancing your home loan.
Need more help with your refinancing? Talk to one of our home loan specialists to learn everything you need to know about your home loan refinance.
Booking a time is fast and simple.
Our home loan experts will aim to call at your preferred time (otherwise within 24 hours).
Alternatively, you can call us now on 1300 843 064.
We’re available to help from
Mon–Fri 8am–8pm (AEST/AEDT)
Sat 9am–6pm (AEST/AEDT)
Chat with ME about refinancing your home loan.
Need more help with your refinancing? Talk to one of our home loan specialists to learn everything you need to know about your home loan refinance.
Booking a time is fast and simple.
Our home loan experts will aim to call at your preferred time (otherwise within 24 hours).
Alternatively, you can call us now on 1300 843 064.
We’re available to help from
Mon–Fri 8am–8pm (AEST/AEDT)
Sat 9am–6pm (AEST/AEDT)
Refinancing tips & tricks.
![]()
Understanding how to refinance your home loan can feel daunting. We’re here to make it easier.
Find everything you need to know about getting yourself a better home loan deal.
Contact ME.
We keep our call centre in Australia,so we can focus on providing a high level of service and support to our customers.
Talk to ME.
We're available to help from Mon-Fri 8am-8pm (AEST/AEDT) Sat 9am-6pm (AEST/AEDT)
1300 540 181
Call ME later.
Set up a time that works for you. Our specialists can call, video chat or even do a home visit.
Book in with ME.
Meet ME.
Find a local home loan specialist in your area – then meet in a way that best suits you.
Meet our bankers.
How do I refinance my home loan
Refinancing your home loan with ME is easy. Have a chat to one of
our home loan experts and they’ll be more than happy to help with the simple steps to take to refinance.
Is it better to refinance with your bank?
Refinancing with your current lender could save you the hassle of switching financial institutions, but looking at other banks could give you the opportunity to secure better rates and deals.
What is the point of refinancing?
Refinancing your home loan is a great opportunity to secure a better interest term or rate, access some home equity or look for a better service…like ME.
How do I claim the refinance cashback offer?
A $3,000 cash back offer is available on refinances of an existing home loan from another financial institution with a minimum new lending of $700,000 and a maximum loan to value ratio (LVR) of 80%. To be eligible for this offer, applications must be submitted from 8 September 2023, and settle within 120 days of the loan application date.
The legal stuff.
The legal stuff.
Terms, conditions, fees and charges apply. Applications are subject to credit approval.
(1) Member Package annual fee of $395 applies.
(2) Interest rate is current at
21-Nov-2024 and are subject to change. The variable interest rate may include a discount or margin that is applied to the product’s variable reference 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.
(3) Home Loan comparison rates calculated on a loan of $150,000 for a term of 25 years, repaid monthly. For variable loans with interest only repayments, the comparison rates are based on an initial 5 year interest only period. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates. Fixed rate comparison rates only apply for loans with a loan amount of $150,000 to less than $400,000. The comparison rates for fixed loans with interest only repayments are based on the interest only period being equal to the fixed rate term.
(4) Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100.
(6) ME Cashback terms and conditions.
A $3,000 cash back offer is available on refinances of an existing home loan from another financial institution with a minimum new lending of $700,000 and a loan to value ratio (LVR) of up to 80%. To be eligible for this offer, applications must be received from 15 June 2024 and settle within 120 days of the loan application date.
This offer is not available where any of the loan proceeds are for the refinance, restructure, switches, or top ups of home loans from ME or from other lenders within the Bank of Queensland (BOQ) Group which includes BOQ, BOQ Specialist and Virgin Money (Australia). This offer is available to Owner Occupier and Investors on all ME home loan products but is not available to applications for owner-occupied loans with interest only repayments. A home loan application involving both a purchase and refinance is not eligible.
Only one cash back will be paid per qualifying home loan application regardless of the number of borrowers. In the case of multiple qualifying applications, only one cash back will be paid per separate security property. The cash back amount will be paid within 60 days of loan settlement into the ME Everyday Transaction Account (ETA) held by the borrower first listed on the application. In the event the first listed borrower doesn’t hold an ETA, the cash back will be credited to the home loan it applies to. Terms, conditions, fees, and charges apply. Applications are subject to credit approval. The offer can be withdrawn or varied at any time.