ME Flexible Home Loan (Fixed)

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 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%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $40,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-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

4.14% p.a.

4.81% p.a.

$0.00

ME Flexible Home Loan (Fixed)

4.14% p.a.

4.81% p.a.

$0.00

4.14% p.a.

5.04% p.a.

$0.00

ME Flexible Home Loan (Fixed)

4.14% p.a.

5.04% p.a.

$0.00

4.74% p.a.

5.56% p.a.

$0.00

ME Flexible Home Loan (Fixed)

4.74% p.a.

5.56% p.a.

$0.00

4.24% p.a.

5.39% p.a.

$0.00

ME Flexible Home Loan (Fixed)

4.24% p.a.

5.39% p.a.

$0.00

4.24% p.a.

5.61% p.a.

$0.00

ME Flexible Home Loan (Fixed)

4.24% p.a.

5.61% p.a.

$0.00

4.34% p.a.

5.99% p.a.

$0.00

ME Flexible Home Loan (Fixed)

4.34% p.a.

5.99% p.a.

$0.00

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.14% (4.96%*)

  • 3.99% (4.86%*)

  • 4.14% (4.81%*)

  • 4.44% (4.85%*)

  • 4.64% (4.89%*)

  • 5.64% (5.39%*)

  • (*)

  • 5.03% p.a.

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • none

  • $0.00

  • $300.00

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

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.14% (5.25%*)

  • 3.99% (5.11%*)

  • 4.14% (5.04%*)

  • 4.44% (5.05%*)

  • 4.64% (5.07%*)

  • 5.64% (5.54%*)

  • (*)

  • 5.33% p.a.

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $40,000

  • none

  • 80.00%

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

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

  • no

  • no

  • none

  • yes

  • no

  • none

  • none

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.74% (5.75%*)

  • 4.49% (5.61%*)

  • 4.74% (5.56%*)

  • 5.04% (5.58%*)

  • 5.24% (5.61%*)

  • 6.24% (6.09%*)

  • (*)

  • 5.83% p.a.

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • none

  • $0.00

  • $300.00

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

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.44% (5.68%*)

  • 4.29% (5.52%*)

  • 4.24% (5.39%*)

  • 4.74% (5.44%*)

  • 4.94% (5.45%*)

  • 6.44% (6.18%*)

  • (*)

  • 5.79% p.a.

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • none

  • $0.00

  • $300.00

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

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.44% (5.96%*)

  • 4.29% (5.78%*)

  • 4.24% (5.61%*)

  • 4.74% (5.64%*)

  • 4.94% (5.63%*)

  • 6.44% (6.32%*)

  • (*)

  • 6.09% p.a.

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • none

  • $0.00

  • $300.00

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

Details

Rates and fees information correct as at 26 September 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.84% (6.44%*)

  • 4.54% (6.22%*)

  • 4.34% (5.99%*)

  • 5.14% (6.10%*)

  • 5.34% (6.08%*)

  • 6.84% (6.77%*)

  • (*)

  • 6.59% p.a.

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • none

  • $0.00

  • $300.00

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

Customer Reviews

How are ME home loans rated by the Mozo community?

Overall customer rating
8.7/10

Based on 897 ME home loan reviews

Price
8.6/10
Features
7.9/10
Customer service
8.6/10
Convenience
7.5/10
Trust
8.7/10

Latest reviews of ME Flexible Home Loan (Fixed)

  • Overall
    9/10
    Excellent fixed rates

    Fantastic fixed rate

    Fantastic fixed rate

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    8/10

    Patricia | Victoria

    reviewed over 2 years ago

  • Overall
    5/10
    Great fixed rate term, great service

    I like this bank. They keep unnecessary mail to a minimum.

    I like this bank. They keep unnecessary mail to a minimum.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    7/10
    Trust
    7/10

    Casey | Victoria

    reviewed over 2 years ago

  • Overall
    9/10
    Excellent customer service, easy online website

    Have been with ME for several years. NO complaints

    Have been with ME for several years. NO complaints

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    7/10
    Trust
    8/10

    Bec | Australian Capital Territory

    reviewed almost 3 years ago

  • Overall
    9/10
    Good rate and excellent customer service

    No cons.

    No cons.

    Price
    8/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Michael | Australian Capital Territory

    reviewed about 3 years ago

  • Overall
    9/10
    Competitive loans.

    Good product.

    Good product.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    8/10

    Louise | Queensland

    reviewed about 3 years ago

ME

About ME

ME stands for a new kind of banking - one that's fairer, more transparent and is committed to great deals for its customers. ME was created by Australia's leading super funds and has award-winning home loans and term deposits, low-cost savings accounts, country-wide ATM access and banking experts that come to you at your convenience.

See ME home loans

ME

ME

Basic Home Loan

3.89% p.a.

3.91% p.a.

$0.00

ME

ME

Flexible Home Loan (Member Package)

4.83% p.a.

5.23% p.a.

$395.00 yearly

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a. variable

3.66% p.a.

$520

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a. variable

3.73% p.a.

$600

UBank

UBank

UHomeLoan - Offer

3.59% p.a. variable

3.59% p.a.

$0

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a. variable

3.69% p.a.

$150

HSBC

HSBC

Home Value Loan

3.64% p.a. variable

3.66% p.a.

$150

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

3.72% p.a. variable

4.12% p.a.

$0

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.68% p.a. variable

3.82% p.a.

$150

loans.com.au

loans.com.au

Essentials Variable

3.64% p.a.

3.66% p.a.

$520

NAB

NAB

Base Variable Rate Home Loan

3.69% p.a.

3.73% p.a.

$600

UBank

UBank

UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$150

Bank Australia

Bank Australia

Basic Home Loan

3.65% p.a.

3.66% p.a.

$0

State Custodians

State Custodians

Low Rate Home Loan with Offset

3.68% p.a.

3.69% p.a.

$0

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.64% p.a.

3.78% p.a.

$150

HSBC

HSBC

Home Value Loan

3.64% p.a.

3.66% p.a.

$150

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

Queensland Country Credit Union

Queensland Country Credit Union

Ultimate Fixed Home Loan (Package)

n/a

n/a

$0

bcu

bcu

Fixed Rate Home Loan

3.90% p.a.
fixed 3 years

4.78% p.a.

$600

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

3.94% p.a.
fixed 3 years

4.81% p.a.

$0

NAB

NAB

Tailored Home Loan (Fixed)

4.04% p.a.
fixed 3 years

5.05% p.a.

$600

ME

ME

Flexible Home Loan (Fixed)

4.14% p.a.
fixed 3 years

4.81% p.a.

$400

*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.