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ME Flexible Home Loan (Fixed, Member Package)

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 60%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $40,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan of at least $40,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $40,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $40,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $40,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $40,000 with an LVR below 90%

Choose the version of this loan that suits you best

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 60% $40,000
Owner Occupier Principal & Interest 60%-70% $40,000
Owner Occupier Principal & Interest 70%-80% $40,000
Owner Occupier Principal & Interest 80%-90% $40,000
Owner Occupier Principal & Interest 90%-95% $40,000
Owner Occupier Interest Only < 80% $40,000
Investor Principal & Interest < 80% $40,000
Investor Principal & Interest 80%-90% $40,000
Investor Interest Only < 80% $40,000
Investor Interest Only < 90% $40,000
  • Owner Occupier (Principal & Interest)
    LVR < 60%
    Loan: $40,000
  • Owner Occupier (Principal & Interest)
    LVR 60%-70%
    Loan: $40,000
  • Owner Occupier (Principal & Interest)
    LVR 70%-80%
    Loan: $40,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $40,000
  • Owner Occupier (Principal & Interest)
    LVR 90%-95%
    Loan: $40,000
  • Owner Occupier (Interest Only)
    LVR < 80%
    Loan: $40,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $40,000
  • Investor (Principal & Interest)
    LVR 80%-90%
    Loan: $40,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $40,000
  • Investor (Interest Only)
    LVR < 90%
    Loan: $40,000
Fixed 3 year rate
5.59% p.a.
Comparison Rate
6.47% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
5.59% p.a.
Comparison Rate
6.47% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
5.59% p.a.
Comparison Rate
6.40% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
5.69% p.a.
Comparison Rate
6.57% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
6.44% p.a.
Comparison Rate
7.93% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
6.59% p.a.
Comparison Rate
6.79% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.77% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.74% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.77% p.a.
Service fee
$395.00 yearly
Upfront fee
$250
Fixed 3 year rate
5.89% p.a.
Comparison Rate
6.84% p.a.
Service fee
$395.00 yearly
Upfront fee
$250

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.09% (6.65%*)

5.59% (6.53%*)

5.59% (6.47%*)

5.89% (6.52%*)

5.89% (6.50%*)

n/a

n/a

6.28% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

Receive $2,000 cashback when you refinance an existing home loan with a loan size between $400,000 and $700,000. Receive $3,000 cashback when the loan size is $700,000 or greater. LVR < 80%. Apply from 8th September 2023, settle within 120 days.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.09% (6.65%*)

5.59% (6.53%*)

5.59% (6.47%*)

5.89% (6.52%*)

5.89% (6.50%*)

n/a

n/a

6.28% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

60.00%

70.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

Receive $2,000 cashback when you refinance an existing home loan with a loan size between $400,000 and $700,000. Receive $3,000 cashback when the loan size is $700,000 or greater. LVR < 80%. Apply from 8th September 2023, settle within 120 days.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.09% (6.56%*)

5.59% (6.38%*)

5.59% (6.40%*)

5.89% (6.46%*)

5.89% (6.44%*)

n/a

n/a

6.28% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

70.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

Receive $2,000 cashback when you refinance an existing home loan with a loan size between $400,000 and $700,000. Receive $3,000 cashback when the loan size is $700,000 or greater. LVR < 80%. Apply from 8th September 2023, settle within 120 days.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.29% (6.85%*)

5.79% (6.65%*)

5.69% (6.57%*)

5.99% (6.63%*)

5.99% (6.60%*)

n/a

n/a

6.49% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

7.34% (8.34%*)

6.49% (8.01%*)

6.44% (7.93%*)

6.59% (7.86%*)

6.74% (7.82%*)

n/a

n/a

8.16% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

90.00%

95.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

7.09% (6.79%*)

6.79% (6.81%*)

6.59% (6.79%*)

6.99% (6.96%*)

7.19% (7.10%*)

n/a

n/a

6.28% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

Receive $2,000 cashback when you refinance an existing home loan with a loan size between $400,000 and $700,000. Receive $3,000 cashback when the loan size is $700,000 or greater. LVR < 80%. Apply from 8th September 2023, settle within 120 days.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.29% (6.98%*)

5.79% (6.77%*)

5.79% (6.77%*)

6.09% (6.82%*)

6.09% (6.78%*)

n/a

n/a

6.74% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

Receive $2,000 cashback when you refinance an existing home loan with a loan size between $400,000 and $700,000. Receive $3,000 cashback when the loan size is $700,000 or greater. LVR < 80%. Apply from 8th September 2023, settle within 120 days.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.49% (7.14%*)

5.89% (6.83%*)

5.79% (6.74%*)

6.09% (6.78%*)

6.09% (6.75%*)

n/a

n/a

6.79% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.29% (6.98%*)

5.79% (6.77%*)

5.79% (6.77%*)

6.09% (6.82%*)

6.09% (6.78%*)

n/a

n/a

6.74% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

none

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

Receive $2,000 cashback when you refinance an existing home loan with a loan size between $400,000 and $700,000. Receive $3,000 cashback when the loan size is $700,000 or greater. LVR < 80%. Apply from 8th September 2023, settle within 120 days.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 15 October 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.49% (7.14%*)

5.99% (6.93%*)

5.89% (6.84%*)

6.19% (6.88%*)

6.19% (6.85%*)

n/a

n/a

6.70% p.a.

Fees

$0.00

$0.00

$0.00

$250.00

n/a

$395.00 yearly

$350.00

Other financial bits

$40,000

none

none

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $30,000 during fixed rate period

no

no

none

yes

no

none

none

none

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are ME home loans rated by the Mozo community?

Overall
8.2/10
Price
8.4/10
Features
7.7/10
Customer service
8.4/10
Convenience
7.3/10
Trust
8.5/10
Based on 973 ME home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest reviews of ME Flexible Home Loan (Fixed, Member Package)

About ME

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Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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NRMA Insurance

Fixed Home Loans

5.94% p.a.
fixed 3 years

6.01% p.a.

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Greater Bank

Great Rate Home Loan

5.99% p.a. variable

6.01% p.a.

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Macquarie

Basic Home Loan (Fixed)

5.39% p.a.
fixed 3 years

5.95% p.a.

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HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.21% p.a.

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Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for NRMA Insurance
NRMA Insurance

Variable Home Loan

5.98% p.a. variable

6.02% p.a.

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Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.39% p.a.
fixed 3 years

6.59% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a. variable

6.01% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.14% p.a. variable

6.38% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.09% p.a. variable

6.22% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.18% p.a. variable

6.18% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

5.99% p.a.

6.01% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.09% p.a.

6.22% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.02% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.18% p.a.

6.18% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for NRMA Insurance
NRMA Insurance

Fixed Home Loans

5.94% p.a.
fixed 3 years

6.01% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.39% p.a.
fixed 3 years

5.95% p.a.

Thumbnail icon for NRMA Insurance
NRMA Insurance

Fixed Home Loans

5.94% p.a.
fixed 3 years

6.01% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.21% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.39% p.a.
fixed 3 years

6.59% p.a.

Thumbnail icon for SWSbank
SWSbank

Fixed Home Loan Rate

5.59% p.a.
fixed 3 years

6.31% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.79% p.a.
fixed 3 years

6.10% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

3 Year Fixed Rate Home Loan (Special Offer)

5.39% p.a.
fixed 3 years

6.59% p.a.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

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