Investment property

ME Bank

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Variable rate

6.39%p.a.¹

Comparison rate

6.77%p.a.²

Flexible Home Loan with Member Package³.
New investor, principle and interest, ≤60% LVR, loan size $400k+

Talk to ME

Up to $3,000 will put a spring in your step.⁶

Enjoy the flexibility of extra cash in your back pocket when you refinance to ME.

Available to owner occupiers and investors on all ME home loan products if you:

Apply from 08/09/2023, and settle within 120 days of the loan application date
Switch your existing home loan from another lender
Take out a home loan with a minimum size of $400k and maximum LVR of 80% (to receive $2K cashback)
Take out a home loan with a minimum size of $700k and maximum LVR of 80% (to receive $3K cashback)

We’re bringing flexi back.

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

Simple Link Widget (c#) Talk to ME

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	Rate Display Widget (C#) 8.61% p.a.	Rate Display Widget (C#) 8.97% p.a.
≥$150k - <$400k	Rate Display Widget (C#) 6.74% p.a.	Rate Display Widget (C#) 7.12% p.a.
≥$400k	Rate Display Widget (C#) 6.39% p.a.	Rate Display Widget (C#) 6.77% p.a

Loan amount	Variable interest rate¹	Comparison rate²
≥$150k - <$400k	Rate Display Widget (C#) 6.74% p.a.	Rate Display Widget (C#) 7.12% p.a.
≥$400k - <$700k	Rate Display Widget (C#) 6.44% p.a.	Rate Display Widget (C#) 6.82% p.a.
≥$700k	Rate Display Widget (C#) 6.44% p.a.	Rate Display Widget (C#) 6.82% p.a

Loan to value ratio¹	Interest rate²	Comparison rate³	Reference rate	Discount/Margin
50% or less	Rate Display Widget (C#) 6.64%p.a.	Rate Display Widget (C#) 6.88%p.a.	Rate Display Widget (C#) 9.12%p.a.	Rate Display Widget (C#) -2.48%p.a.
Above 50% and less than 60%	Rate Display Widget (C#) 6.64%p.a.	Rate Display Widget (C#) 6.88%p.a.	Rate Display Widget (C#) 9.12%p.a.	Rate Display Widget (C#) -2.48%p.a.
Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.69%p.a.	Rate Display Widget (C#) 6.93%p.a.	Rate Display Widget (C#) 9.12%p.a.	Rate Display Widget (C#) -2.43%p.a.
Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.69%p.a.	Rate Display Widget (C#) 6.93%p.a.	Rate Display Widget (C#) 9.12%p.a.	Rate Display Widget (C#) -2.43%p.a.
Above 80% and less than or equal to 90%	Rate Display Widget (C#) 7.94%p.a.	Rate Display Widget (C#) 8.18%p.a.	Rate Display Widget (C#) 9.12%p.a.	Rate Display Widget (C#) -1.18%p.a.

Loan amount	Variable interest rate¹	Comparison rate²
≥$150k - <$400k	Rate Display Widget (C#) 7.74% p.a.	Rate Display Widget (C#) 7.57% p.a.
≥$400k - <$700k	Rate Display Widget (C#) 6.69% p.a.	Rate Display Widget (C#) 6.93% p.a.
≥$700k	Rate Display Widget (C#) 6.69% p.a.	Rate Display Widget (C#) 6.93% p.a

Fixed Rates - Flexible Home Loan with Member Package⁵

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	50% or less	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.10%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.10%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.10%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.10%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.89%p.a.	Rate Display Widget (C#) 7.98%p.a.
2 year	50% or less	Rate Display Widget (C#) 6.24%p.a.	Rate Display Widget (C#) 7.02%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.24%p.a.	Rate Display Widget (C#) 7.02%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.24%p.a.	Rate Display Widget (C#) 7.02%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.24%p.a.	Rate Display Widget (C#) 7.02%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.69%p.a.	Rate Display Widget (C#) 7.86%p.a.
3 year	50% or less	Rate Display Widget (C#) 6.19%p.a.	Rate Display Widget (C#) 6.96%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.19%p.a.	Rate Display Widget (C#) 6.96%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.19%p.a.	Rate Display Widget (C#) 6.96%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.19%p.a.	Rate Display Widget (C#) 6.96%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.74%p.a.
4 year	50% or less	Rate Display Widget (C#) 6.34%p.a.	Rate Display Widget (C#) 6.97%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.34%p.a.	Rate Display Widget (C#) 6.97%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.34%p.a.	Rate Display Widget (C#) 6.97%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.34%p.a.	Rate Display Widget (C#) 6.97%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.69%p.a.	Rate Display Widget (C#) 7.68%p.a.
5 year	50% or less	Rate Display Widget (C#) 6.44%p.a.	Rate Display Widget (C#) 6.99%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.44%p.a.	Rate Display Widget (C#) 6.99%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.44%p.a.	Rate Display Widget (C#) 6.99%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.44%p.a.	Rate Display Widget (C#) 6.99%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.79%p.a.	Rate Display Widget (C#) 7.66%p.a.

Fixed Rates - Flexible Home Loan with Member Package⁵

Term	LVR¹	Interest Rate	Comparison Rate³
1 year	50% or less	Rate Display Widget (C#) 6.79%p.a.	Rate Display Widget (C#) 7.12%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.79%p.a.	Rate Display Widget (C#) 7.12%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.79%p.a.	Rate Display Widget (C#) 7.12%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.79%p.a.	Rate Display Widget (C#) 7.12%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.99%p.a.	Rate Display Widget (C#) 7.99%p.a.
2 year	50% or less	Rate Display Widget (C#) 6.39%p.a.	Rate Display Widget (C#) 7.05%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.39%p.a.	Rate Display Widget (C#) 7.05%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.39%p.a.	Rate Display Widget (C#) 7.05%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.39%p.a.	Rate Display Widget (C#) 7.05%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.84%p.a.	Rate Display Widget (C#) 7.89%p.a.
3 year	50% or less	Rate Display Widget (C#) 6.34%p.a.	Rate Display Widget (C#) 7.00%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.34%p.a.	Rate Display Widget (C#) 7.00%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.34%p.a.	Rate Display Widget (C#) 7.00%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.34%p.a.	Rate Display Widget (C#) 7.00%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 7.04%p.a.	Rate Display Widget (C#) 7.87%p.a.
4 year	50% or less	Rate Display Widget (C#) 6.49%p.a.	Rate Display Widget (C#) 7.03%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.49%p.a.	Rate Display Widget (C#) 7.03%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.49%p.a.	Rate Display Widget (C#) 7.03%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.49%p.a.	Rate Display Widget (C#) 7.03%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.79%p.a.	Rate Display Widget (C#) 7.72%p.a.
5 year	50% or less	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.05%p.a.
	Above 50% and less than 60%	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.05%p.a.
	Above 60% and less than or equal to 70%	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.05%p.a.
	Above 70% and less than or equal to 80%	Rate Display Widget (C#) 6.59%p.a.	Rate Display Widget (C#) 7.05%p.a.
	Above 80% and less than or equal to 90%	Rate Display Widget (C#) 6.89%p.a.	Rate Display Widget (C#) 7.70%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 8am-6pm (AEST/AEDT).

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 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.
Each offset account must be linked to a separate variable rate facility (maximum 8 permitted).
Interest rates available for new applications submitted from Date Display Widget (C#) 01-May-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.

Feel less stretched
with a ME Flexible
Home Loan.

Up to $3,000 will put a spring in your step.⁶

We’re bringing flexi back.

Variable, fixed, split.

Up to 8 offsets.

Unlimited free redraws.

Extra repayments.

Repayment holiday.

Meet ME at you.

Our interest rates.

Flexible Home Loan with Member Package³- New investor, principle and interest, maximum 60% LVR

Flexible Home Loan with Member Package³ - New investor, principal and interest, maximum 80% LVR

Flexible Home Loan Member Package⁴ - Loan amount ≥$400k - <$700k - Interest only

Investor Flexible Home Loan with Member Package³- Interest only

Fixed Rates - Flexible Home Loan with Member Package⁵

Fixed Rates - Flexible Home Loan with Member Package⁵

Good to go?

Good to go?

Privacy statement.

Privacy statement.

The legal stuff.

Feel less stretched with a ME Flexible Home Loan.

Up to $3,000 will put a spring in your step.6

We’re bringing flexi back.

Variable, fixed, split.

Up to 8 offsets.

Unlimited free redraws.

Extra repayments.

Repayment holiday.

Meet ME at you.

Our interest rates.

Flexible Home Loan with Member Package3 - New investor, principle and interest, maximum 60% LVR

Flexible Home Loan with Member Package3 - New investor, principal and interest, maximum 80% LVR

Flexible Home Loan Member Package4 - Loan amount ≥$400k - <$700k - Interest only

Investor Flexible Home Loan with Member Package3 - Interest only

Fixed Rates - Flexible Home Loan with Member Package5

Fixed Rates - Flexible Home Loan with Member Package5

Good to go?

Good to go?

Privacy statement.

Privacy statement.

The legal stuff.

Feel less stretched
with a ME Flexible
Home Loan.

Up to $3,000 will put a spring in your step.⁶

Flexible Home Loan with Member Package³- New investor, principle and interest, maximum 60% LVR

Flexible Home Loan with Member Package³ - New investor, principal and interest, maximum 80% LVR

Flexible Home Loan Member Package⁴ - Loan amount ≥$400k - <$700k - Interest only

Investor Flexible Home Loan with Member Package³- Interest only

Fixed Rates - Flexible Home Loan with Member Package⁵

Fixed Rates - Flexible Home Loan with Member Package⁵