Compare ME Home Loans products
Get Expert Advice Navigating ME home loan options in Sydney?
Our platform allows you to easily compare products and access expert advice from experienced brokers to find the right loan for your needs.
Product rates and fees last updated
5.99% (6.00%)*
Simplify Your ME Home Loan Search
Navigating the world of home loans, especially when considering your housing needs, can feel overwhelming. At Get A Better Rate, we make finding the right ME home loan simpler than ever. Our platform allows you to easily compare a range of ME products side-by-side, while our experienced Sydney-based brokers provide the expert guidance you need to secure a loan that truly fits your objectives.
ME Special Offer
Get up to $3,000 cashback.*
Refinance to a ME home loan and you could get up to $3,000 cashback.
Get $3,000 cashback when you refinance from another lender, borrow $700,000 or more, and have a loan-to-value ratio (LVR) of 80% or less. Get $2,000 cashback when you refinance an eligible home loan with an LVR above 80% and a minimum loan size of $400,000 and LMI payable.
Apply between 18/08/26 and 28/02/27 and settle within 120 days of the application date.
Cashback offer is available for eligible ME Bank CompleteME and EconoME Owner Occupier and Investor refinance and property purchase home loan applications submitted through ME Bank from 18 August 2026. To be eligible, the application must settle within 120 days of the loan application date, be for total new ME Bank lending of at least $400,000, have a loan to value ratio (LVR) greater than 80% and up to 95%, with Lenders Mortgage Insurance (LMI) payable and the applicant must have a SpendMe transaction account at the time of settlement.
Multiple or split loan applications can be combined to meet the minimum $400,000 new lending requirement provided all combined lending is in the same customer’s name(s), submitted at the same time and settle within the required 120 day period. The offer is not available for Owner Occupier loans with interest only repayments and for refinances, restructures, switches, or top ups of home loans from ME Bank or any other Bank of Queensland (BOQ) Group lender including BOQ, BOQ Specialist and Virgin Money Australia.
This offer is not available in conjunction with any other BOQ Group cashback offer. Only one cashback will be paid per eligible application. If any borrower on an application has received a cashback from any BOQ Group brand in the previous 12 months of the settlement date, the application will be ineligible for this offer.
The cash back will be paid within 60 days of the loan settlement date into a SpendME transaction account only, held by the borrower(s) on the application. A borrower must hold an eligible SpendME transaction account at the time the cashback is paid. Cashback will not be paid to a home loan account or any other account type. Applications are subject to ME Bank’s credit approval criteria, term and conditions, fees and charges. ME Bank may vary or withdraw this offer at any time. Any variation or withdrawal will apply to applications received after the variation or withdrawal takes effect.
Understanding Your Situation
Choosing the right ME home loan depends heavily on your individual circumstances and financial goals. Are you a first-time buyer, looking to refinance, or considering an investment property? Our experienced brokers take the time to understand your unique situation to recommend ME options that truly align with your needs and objectives.
See How ME Compares to Other Lenders
While ME offers a range of home loan products, it's wise to explore all your
options. Get A Better Rate allows you to compare ME's loans side-by-side with
offers from over 40 other trusted lenders in Australia. See how their rates, fees, and
features stack up to ensure you're getting the best deal for your situation.
ME Home Loan Products
CompleteME Variable Home Loan IO
INTEREST RATE
6.24%
COMPARISON
6.59%
SETTLEMENT
$150
ANNUALLY
$395
DISCHARGE
$350
$150
$395
$350
60%
$150,000
5%
Interest Only
Monthly
CompleteME Variable Home Loan P&I
INTEREST RATE
6.04%
COMPARISON
6.40%
SETTLEMENT
$150
ANNUALLY
$395
DISCHARGE
$350
$150
$395
$350
70%
$150,000
5%
Principal & Interest
Weekly, Fortnightly, Monthly
EconoME Home Loan IO
INTEREST RATE
6.23%
COMPARISON
6.24%
SETTLEMENT
$150
DISCHARGE
$350
$150
$350
70%
$150,000
5%
Interest Only
Monthly
★ LOWEST RATE
EconoME Home Loan P&I
INTEREST RATE
5.99%
COMPARISON
6.00%
SETTLEMENT
$150
DISCHARGE
$350
$150
$350
70%
$150,000
5%
Principal & Interest
Weekly, Fortnightly, Monthly
Understanding Loan to Value Ratio (LVR)
ME's sharpest variable rate is 5.99% (6.00% comparison) on the EconoME Home Loan P&I - with a maximum LVR of 70%. So you will need 30% deposit or equity.
Loan to Value Ratio (LVR) is a key factor when considering a ME home loan. It represents the amount of your loan compared to the value of the property you're purchasing or refinancing. A lower LVR (meaning you have a larger deposit or more equity) can often result in more favourable interest rates and may help you avoid Lenders Mortgage Insurance (LMI). Our brokers can explain how LVR applies to different ME loan products and help you understand its implications for your borrowing power.
Information for Home Owners
If you're looking for a ME home loan for your own home, features like offset accounts and redraw facilities can offer significant benefits. ME provides a range of loan options designed for home owners, allowing you to manage your finances effectively and potentially save on interest. Our brokers can help you explore these features and find a ME loan that suits your lifestyle.
ME has a range of different products from EconoME Home Loan IO which has no on-going fees or their CompleteME Variable Home Loan P&I a $395 fee charged annually.
An offset home loan feature is available on the ME CompleteME Variable Home Loan P&I.
Why Choose Get A Better Rate for Your ME Loan?
Finding the right ME home loan doesn't have to be a hassle. Here's how Get A Better Rate gives you the edge:
See Live ME Rates & Features
Our unique platform provides an easy way to compare various ME home loan products and their key features, helping you understand their different purposes.
Expert ME Insights
Our Sydney-based brokers have in-depth knowledge of ME's lending criteria and product nuances.
Compare Beyond ME
We don't just focus on one bank. We can compare ME's offerings against solutions from over 40 other trusted lenders, informed by your specific searches.
Receive Personalised Advice
We take the time to understand your unique financial situation and property goals to recommend the ME loan that truly suits your needs, considering factors like your potential borrowing capacity.
Simplify Your Application Support
Let us handle the complexities of the application process, helping you navigate the paperwork and liaise with ME, even explaining key documents like the product disclosure statement (PDS).
Contact Sydney mortgage broker
Need help comparing ME loans or navigating the application?
We have over 20 years of experience working with different Australian Home Loan providers, including ME. Speak with Get a Better Rate and have an experienced Mortgage Broker help navigate your next home loan. Based in the Sydney CBD, Get a Better Rate partners with over 40 top Australia Home Loan providers, reach out for a chat today!
Get a Better Rate is led by a seasoned professional in the hands of mortgage broker Peter Hammond. Peter has over 20 years of experience working with leading Australian financial institutions, including Westpac, Aussie Home Loans, Macquarie Bank, AMP, and Woolworths Money. His expertise in all mortgage lending matters makes him a reputable source of lending knowledge throughout Sydney and beyond.
Peter has worked across various roles, including product management, relationship management, operations and, more recently, as a consultant. This has given him a deep knowledge of the Australian home loan landscape and the challenges consumers face.
It is this connection and dedication to his clients that makes Peter such a trusted figure in the mortgage industry.
Need Help Comparing ME Loans or Navigating the Application?
Our expert mortgage brokers in Sydney are here to answer your questions and guide you through the ME home loan process.
Ready to Take the Next Step with Your ME Loan?
To help you prepare for your ME home loan application, whether you're building your future or buying into the property market, here are a few key steps:
Before you start the process, it's important to understand your goals and strategy. Whether you are refinancing to a lower interest rate, purchasing a new home or looking to renovate.
Use our home loan repayment calculator and compare repayments against your budget.
STEP 1
Gather Your Essential Documents
- Have your income statements (payslips, tax returns)
- Prepare your Expense budget
- Know your monthly liabilities and credit card limits
- Australian ID documents
STEP 2
Discuss Your Options with Our ME Specialists
Trusted Sydney Mortgage Brokers Helping You with ME Loans
At Get A Better Rate, we're committed to providing transparent and reliable mortgage advice.
Experienced Professionals
Our team of accredited mortgage brokers like MFAA and AFCA has years of experience assisting Sydney homeowners.
Local Expertise
Based in the Sydney CBD, we understand the local property market and have strong relationships with lenders like ME.
Client Success
Don't just take our word for it. See what our satisfied clients say about finding their ideal ME loan with us below.
Testimonials
Exploring ME Fixed Home Loan Rates?
Understanding the LVR can be crucial when considering fixed rates, as it can influence your options.
Fixed-rate loans offer the security of consistent repayments for a set period. However, it's important to consider factors like potential break fees and limited flexibility. Our expert brokers can help you weigh the pros and cons of a ME fixed-rate loan based on your individual circumstances.
Additional resources and tools
No matter what aspect of home loans you want to address with us, we have plenty of additional resources and tools to help you. Whether you want to compare home loans with the ME, calculate your loan repayments, or figure out how much you will save when you refinance your existing loan, Get a Better Rate has you covered.
Refinance Calculator
Our refinance comparison calculator, will help you understand what you could be savings on your home loan
Loan Repayment
How much will be loan repayments be?
Compare Loans
Compare hundreds of home loans from 40 different lenders