ME Home Loans

Compare a range of home loans from ME.

On this page you can find information about ME home loans. Skip ahead to the full table of products or read more about the lender.

Compare ME home loans

Compare ME home loan products below and hit "load more" to see a fuller selection of loans. "Go to site" will direct you to ME’s website for the product you selected. You can also find more information on each individual product by clicking "more info".

Rates last updated September 18th, 2019
Loan purpose
Offset account
Loan type
Repayment type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
$395 p.a.
Get a low 3 year fixed rate with a 100% offset account and package discounts.
$395 p.a.
Lock in a competitive rate for owner occupiers for two years. Comes with a 100% offset account.
$395 p.a.
Fix your rate for the first year and take advantage of package benefits. Comes with a 100% offset account.

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ME lender profile

  • ME, or Member's Equity, was established in 1994 by Industry Super Funds. As of November 2012 ME decided to do away with bricks and mortar branches.
  • ME has basic and package mortgages for home buyers and investors.
  • Customers can apply and access loans or savings accounts completely online, via the telephone or through a mobile banker.

ME mortgage features

ME has multiple home loans for investors and owner occupiers, with fixed and variable rates.

Deposit sizeMost ME mortgages let you borrow up to 80% of a property's value. The lender doesn't offer many low deposit mortgage options.
Split rateThe ME Flexible Home Loan with Member Package lets you split your loan into fixed and variable portions.
Offset accountThe ME Flexible Home Loan with Member Package comes with an offset account.
Package benefitsME's package loans come with an annual package fee, but this waives other fees, saving you more money.

How do I apply for an ME mortgage?

Clicking "Go to Site" on ME's comparison table will start your application process and redirect you through to ME’s website.


Each ME product have specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with ME you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

  • Identification documents. You will need identification such as a driver's license, passport or birth certificate.
  • Proof of income documents. Recent payslips can establish your income.
  • Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

Detailed guide to home loan applications and paperwork

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Home Loan Offers

Important Information*
Logo for UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000

Take advantage of a low-fee mortgage with a special interest rate of just 3.09% p.a. and a 3.09% p.a. comparison rate.

Logo for Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)

Low variable rate mortgage for owner occupiers looking to switch. Refinancers only.

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20 Responses

  1. Default Gravatar
    DamianOctober 6, 2017

    I have a Flexible Home Loan with ME Bank and I would like to switch it to Basic Home Loan with lower interest rate. What would be right procedure to go about it? Thanks.

    • Avatarfinder Customer Care
      JhezOctober 6, 2017Staff

      Hi Damian,

      Thank you for your comment.

      Generally, banks do offer flexible ways to help you with your loans considering your current situation. Regarding the procedure on how to go about switching your home loan from Flexible to Basic, it might be time to talk to your bank about getting a loan check up. One of their specialists can take a look through your current loan situation and help bring it up to speed. Hoping for the best.


  2. Default Gravatar
    SangitaMay 29, 2017

    Hi, I do have loan and its 2 years fixed. But I do have few extra saving at the end of the year which I want to put to reduce my loan will I be able to do it.
    Hope to get answer for my question.

    • Default Gravatar
      LiezlMay 30, 2017

      Hi Sangita,

      Thanks for reaching out.

      Yes, you can make extra repayments up to $30,000 during the fixed interest rate period. Kindly note that you are not able to redraw from a fixed interest rate facility during the fixed rate period.

      I hope this helps.


  3. Default Gravatar
    FrancisApril 15, 2016

    I have a unencumbered property worth 1.2 m. My wife and I receive Centrelink benefits. Would we be eligible for a loan up to $150,000.

    • Avatarfinder Customer Care
      BelindaApril 15, 2016Staff

      Hi Francis,

      Thanks for reaching out.

      You can read our guide about home loans for Centrelink recipients which explains how you can go about applying for a home loan. Here, you can also view which Centrelink benefits are accepted by lenders and you can enquire with a mortgage broker to discuss your borrowing options.

      Please note that most lenders only accept government benefits as a secondary source of income and they treat these types of applications on a case-by-case basis.

      If you can prove to the lender that you have sufficient assets and savings to service the loan, you may be able to qualify for finance. However, keep in mind that a lender will also review your credit history and any existing debts that you have (e.g. personal loans or credit cards) when determining your propensity to repay the loan.

      All the best,

  4. Default Gravatar
    VijayJune 10, 2015

    I have fixed interest home loan for 3yrs.can I make 100% offset account, and what will be the procedure . I have zero knowledge in this matter.

    • Avatarfinder Customer Care
      BelindaJune 11, 2015Staff

      Hi Vijay,

      Thanks for your enquiry.

      Fixed rate home loans don’t typically offer features such as 100% offset accounts, however there are some fixed home loans that do offer this feature or alternatively, a partial offset account.

      To find out whether your lender offers a 100% offset account as part of your home loan, you’ll need to contact them directly.

      Otherwise you can compare different lenders that offer fixed loans with 100% offset accounts on this page.


  5. Default Gravatar
    trentNovember 17, 2014

    how do i go about using some of my super as a deposit with savings i already have

    • Avatarfinder Customer Care
      ShirleyNovember 18, 2014Staff

      Hi Trent,

      Thanks for your question.

      Are you referring to an SMSF home loan? At this current point in time ME Bank doesn’t have this facility available. If you’d like, you can compare a range of SMSF home loans on this page.


  6. Default Gravatar
    KaanJuly 7, 2014

    What is your variable rate . Looking to refinance

    • Avatarfinder Customer Care
      ShirleyJuly 8, 2014Staff

      Hi Kaan,

      Thanks for your question.

      Please refer to the link I’ve emailed you regarding ME Bank home loans.


  7. Default Gravatar
    KarenApril 9, 2014

    What is the maximum LVR allowed for a refinance?
    Can i have my whole loan fixed, or does a portion have to be variable?

    • Avatarfinder Customer Care
      ShirleyApril 10, 2014Staff

      Hi Karen,

      Thanks for your question.

      The maximum LVR you can refinance to depends on the specific loan you choose to apply for. You can your whole loan either fixed or variable, again this depends on the specific type of loan you choose.

      If you’d like advice on your home loan, you may want to speak to a mortgage broker.


  8. Default Gravatar
    AaronFebruary 22, 2014

    Can I use my cbus fund as a deposit for a home loan.

    • Avatarfinder Customer Care
      MarcFebruary 24, 2014Staff

      Hi Aaron,
      thanks for the question.

      Super can’t be used for a home loan deposit unless you have a Self Managed Super Fund (SMSF) being used to purchase an investment property.

      I hope this helps,

  9. Default Gravatar
    TonyJanuary 12, 2014

    Can you use any of your C’bus super as a deposit on a house loan

    • Avatarfinder Customer Care
      MarcJanuary 13, 2014Staff

      Hello Tony,
      thanks for the question.

      In some cases super amounts in a self-managed super fund can be used to fund a property purchase. This page has more information on the process.

      I hope this helps,

  10. Default Gravatar
    ShaneJanuary 6, 2014

    I would like to apply for a home loan.



    • Avatarfinder Customer Care
      MarcJanuary 6, 2014Staff

      Hello Shane,
      thanks for the question.

      You can apply for a home loan from ME Bank by clicking the ‘Go to site’ buttons next to the relevant loan, or contacting ME Bank directly.


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