Flexible Home Loan.  

Good to go?

One of our home loan specialists will be in touch within 24 hours to answer any of your questions or book an appointment at a time that suits you.

Alternatively, you can call us on 1300 843 064.

We’re available to help from:
Mon-Fri 8am-8pm (AEST/AEDT)
Sat 8am-6pm (AEST/AEDT).

1. Interest rates are current as at 03-May-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.
2. Home loan comparison rates are based 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.
3. Member Package annual fee of $395 applies.
4. Loan to Value Ratio (LVR) compares the amount you have owing on your loan against the actual value of your property. For example, if your property was valued at $400,000 and your loan amount was 340,000, your LVR would be 85%.
5. ME Cashback terms and conditions

   A $2,000 cash back offer is available on refinances of an existing home loan from another financial institution with a minimum new lending of $400,000 and a loan to value ratio (LVR) up to 80%. 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 an LVR of up to 80%. To be eligible for this offer, applications must be received from 8 September 2023 and settle within 120 days of the loan application date. 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. Applications including any loan proceeds for Construction and owner occupied loans with interest only repayments are ineligible for the cashback offer. A home loan application involving both a purchase and refinance are not acceptable. Only one cash back can be received per qualifying home loan application regardless of the number of borrowers. In the case of multiple qualifying applications, only one cash back can be received per separate security property.

   Eligible refinance applications received by ME prior to 8 September 2023 that also settled within 120 days of the loan application date will get the previously advertised cashback offer of $2,000 for minimum new lending of $250,000 with an LVR of less than 80%, or the previously advertised cashback offer of $4,000 for minimum new lending of $250,000 with an LVR of less than 60%.

   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.