Investment property

ME Bank

Chat with ME about a new home loan on 1300 843 064 (Mon-Fri 8am-8pm, Sat 9am-5pm) or request a call back at your preferred time.

Small deposits won't stop ME from giving you cash back.⁶

Purchase a home with ME and you'll get some cash back in your pocket. Available to owner occupiers and investors on all ME home loan products if you:

Apply from 30 September 2024
Take out a home loan with a minimum loan of $400k
Have a LVR of over 80%, maximum investor LVR 90% and maximum owner occupier LVR 95%. Lenders Mortgage Insurance must be paid for any LVR over 80%.

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Compare our home loans.

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We’re bringing flexi back.

ME’s Flexible Home Loan works around your lifestyle – here’s are a few reasons why.

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Variable, fixed, split.

Go variable, fix for 1-5 years, or just split your loan and do both. Live flexibly.

Up to 8 offsets.

Save on interest and budget better with up to 8 offset accounts.

Unlimited free redraws.

Get cash for emergencies from available funds if you’re ahead on payments (minimum $500).

Extra repayments.

If you want to make additional repayments on your variable rate, you can – with no penalties.

Repayment holiday.

Apply to take a break from repayments when the unexpected happens, if you’re ahead on your repayments.

Meet ME at you.

Find a local home loan specialist in your area – then meet in a way that best suits you.

Our interest rates.

Our flexible Home Loan with Member Package offers a range of features and benefits for an annual fee of $395.

Loan amount	Variable interest rate¹	Comparison rate²
<$150k	8.61% p.a.	8.97% p.a.
≥$150k - <$400k	6.49% p.a.	6.87% p.a.
≥$400k	6.29% p.a.	6.68% p.a

Loan amount	Variable interest rate¹	Comparison rate²
≥$150k - <$400k	6.54% p.a.	6.92% p.a.
≥$400k - <$700k	6.34% p.a.	6.72% p.a.
≥$700k	6.34% p.a.	6.72% p.a

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	6.39%p.a.	6.72%p.a.	9.12%p.a.	-2.73%p.a.
Above 50% and less than 60%	6.39%p.a.	6.72%p.a.	9.12%p.a.	-2.73%p.a.
Above 60% and less than or equal to 70%	6.44%p.a.	6.77%p.a.	9.12%p.a.	-2.68%p.a.
Above 70% and less than or equal to 80%	6.44%p.a.	6.77%p.a.	9.12%p.a.	-2.68%p.a.
Above 80% and less than or equal to 90%	6.79%p.a.	7.06%p.a.	9.12%p.a.	-2.33%p.a.

Loan amount	Variable interest rate¹	Comparison rate²
≥$150k - <$400k	6.64% p.a.	6.97% p.a.
≥$400k - <$700k	6.44% p.a.	6.77% p.a.
≥$700k	6.44% p.a.	6.77% p.a

Fixed Rates - Flexible Home Loan with Member Package⁵

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	50% or less	6.39%p.a.	6.86%p.a.
	Above 50% and less than 60%	6.39%p.a.	6.86%p.a.
	Above 60% and less than or equal to 70%	6.39%p.a.	6.91%p.a.
	Above 70% and less than or equal to 80%	6.39%p.a.	6.91%p.a.
	Above 80% and less than or equal to 90%	6.59%p.a.	7.15%p.a.
2 year	50% or less	5.89%p.a.	6.75%p.a.
	Above 50% and less than 60%	5.89%p.a.	6.75%p.a.
	Above 60% and less than or equal to 70%	5.89%p.a.	6.79%p.a.
	Above 70% and less than or equal to 80%	5.89%p.a.	6.79%p.a.
	Above 80% and less than or equal to 90%	5.99%p.a.	7.01%p.a.
3 year	50% or less	5.89%p.a.	6.70%p.a.
	Above 50% and less than 60%	5.89%p.a.	6.70%p.a.
	Above 60% and less than or equal to 70%	5.89%p.a.	6.74%p.a.
	Above 70% and less than or equal to 80%	5.89%p.a.	6.74%p.a.
	Above 80% and less than or equal to 90%	5.89%p.a.	6.91%p.a.
4 year	50% or less	6.19%p.a.	6.76%p.a.
	Above 50% and less than 60%	6.19%p.a.	6.76%p.a.
	Above 60% and less than or equal to 70%	6.19%p.a.	6.79%p.a.
	Above 70% and less than or equal to 80%	6.19%p.a.	6.79%p.a.
	Above 80% and less than or equal to 90%	6.19%p.a.	6.95%p.a.
5 year	50% or less	6.19%p.a.	6.74%p.a.
	Above 50% and less than 60%	6.19%p.a.	6.74%p.a.
	Above 60% and less than or equal to 70%	6.19%p.a.	6.77%p.a.
	Above 70% and less than or equal to 80%	6.19%p.a.	6.77%p.a.
	Above 80% and less than or equal to 90%	6.19%p.a.	6.90%p.a.

Fixed Rates - Flexible Home Loan with Member Package⁵

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	50% or less	6.39%p.a.	6.86%p.a.
	Above 50% and less than 60%	6.39%p.a.	6.86%p.a.
	Above 60% and less than or equal to 70%	6.39%p.a.	6.91%p.a.
	Above 70% and less than or equal to 80%	6.39%p.a.	6.91%p.a.
	Above 80% and less than or equal to 90%	6.59%p.a.	7.15%p.a.
2 year	50% or less	5.89%p.a.	6.75%p.a.
	Above 50% and less than 60%	5.89%p.a.	6.75%p.a.
	Above 60% and less than or equal to 70%	5.89%p.a.	6.79%p.a.
	Above 70% and less than or equal to 80%	5.89%p.a.	6.79%p.a.
	Above 80% and less than or equal to 90%	6.09%p.a.	7.03%p.a.
3 year	50% or less	5.89%p.a.	6.70%p.a.
	Above 50% and less than 60%	5.89%p.a.	6.70%p.a.
	Above 60% and less than or equal to 70%	5.89%p.a.	6.74%p.a.
	Above 70% and less than or equal to 80%	5.89%p.a.	6.74%p.a.
	Above 80% and less than or equal to 90%	5.99%p.a.	6.94%p.a.
4 year	50% or less	6.19%p.a.	6.76%p.a.
	Above 50% and less than 60%	6.19%p.a.	6.76%p.a.
	Above 60% and less than or equal to 70%	6.19%p.a.	6.79%p.a.
	Above 70% and less than or equal to 80%	6.19%p.a.	6.79%p.a.
	Above 80% and less than or equal to 90%	6.29%p.a.	6.98%p.a.
5 year	50% or less	6.19%p.a.	6.74%p.a.
	Above 50% and less than 60%	6.19%p.a.	6.74%p.a.
	Above 60% and less than or equal to 70%	6.19%p.a.	6.77%p.a.
	Above 70% and less than or equal to 80%	6.19%p.a.	6.77%p.a.
	Above 80% and less than or equal to 90%	6.29%p.a.	6.95%p.a.

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 9am-6pm (AEST/AEDT).

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.

Privacy statement.

We’re collecting your personal information so we can respond to your request, and we’ll retain your details so we can keep in touch. We may call, or send you further information relating to your enquiry, or to promote other products or services that may be of interest.

You can ask us not to contact you either in person or by unsubscribing in the communications we may send. If you’ve previously opted out from marketing contact this request will override earlier instructions.

For details about how we handle your personal information, or how you can access or correct this information or raise any concerns refer to ME Privacy and Credit Reporting Policy.

The legal stuff.

Investment loan purpose includes but is not limited to, funds for shares, land, construction or an established dwelling (including refinance of investment loans) for investment purposes. For loans with mixed purpose, investment rates apply where a loan is used predominantly (greater than 50%) for investment purposes.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your property (determined by ME at assessment), multiplied by 100. The LVR value compares the amount you have owning on your home 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%.
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.
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.
Member Package annual fee of $395 applies.
A current fixed rate can be secured for 90 days by paying a $500 rate lock request fee. At settlement you will get the better of the two rates
ME Cashback terms and conditions
A $2,000 cashback offer is available for the purchase of an owner occupied or investment residential property with minimum new lending of $400,000 and a loan to value ratio (LVR) of over 80% and a maximum LVR of 95% inclusive of LMI for owner occupiers and maximum LVR of 90% inclusive of LMI for investors. Lenders Mortgage Insurance must be paid. To be eligible for this offer, applications must be received from 30 September 2024 and settle within 120 days of the loan application date.

This offer is available to Owner Occupier and Investors on all ME home loan products but is not available for home loan applications involving both a purchase and refinance. Only one cashback payment per eligible home loan regardless of the number of borrowers and for the first eligible loan only in.

The cashback 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. If the first listed borrower doesn’t hold an ETA, the cashback 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.
Each offset account must be linked to a separate variable rate facility (maximum 8 permitted).
Interest rates available for new applications submitted from 22-Dec-2024 and are subject to change. Internal refinances, top ups, additional advances or variations of existing home loans are not eligible.
Solicitor, valuation and agent fees may apply

Terms, conditions, fees and charges apply. Applications are subject to credit approval.

Invest in the right
home loan.

Small deposits won't stop ME from giving you cash back.⁶

Compare our home loans.