ME Flexible Home Loan (Member Package)

The details shown below are for an owner occupier taking out a principal & interest loan between $40,000 and $149,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $399,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $400,000 and $699,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $40,000 and $149,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $399,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $400,000 and $699,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $40,000 and $149,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $399,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $400,000 and $699,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $40,000 and $149,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $399,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $400,000 and $699,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan of at least $700,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $40,000 and $149,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $399,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $400,000 and $699,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $40,000 and $149,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $399,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $400,000 and $699,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $40,000 and $149,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $150,000 and $399,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $400,000 and $699,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $700,000 with an LVR below 80%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $40,000 $149,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $399,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $400,000 $699,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $700,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $40,000 $149,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $399,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $400,000 $699,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $700,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $40,000 $149,999

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $150,000 $399,999

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $400,000 $699,999

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $700,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $40,000 $149,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $150,000 $399,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $400,000 $699,999

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $700,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $40,000 $149,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $399,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $400,000 $699,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $700,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $40,000 $149,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $399,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $400,000 $699,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $700,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $40,000 $149,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $399,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $400,000 $699,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $700,000

4.83% p.a.

5.23% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.83% p.a.

5.23% p.a.

$395.00 yearly

3.74% p.a.

4.16% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

3.74% p.a.

4.16% p.a.

$395.00 yearly

3.69% p.a.

4.12% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

3.69% p.a.

4.12% p.a.

$395.00 yearly

3.69% p.a.

4.11% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

3.69% p.a.

4.11% p.a.

$395.00 yearly

4.83% p.a.

5.23% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.83% p.a.

5.23% p.a.

$395.00 yearly

4.29% p.a.

4.70% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.29% p.a.

4.70% p.a.

$395.00 yearly

4.19% p.a.

4.60% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.19% p.a.

4.60% p.a.

$395.00 yearly

4.09% p.a.

4.50% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.09% p.a.

4.50% p.a.

$395.00 yearly

5.18% p.a.

5.57% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

5.18% p.a.

5.57% p.a.

$395.00 yearly

5.18% p.a.

5.57% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

5.18% p.a.

5.57% p.a.

$395.00 yearly

5.18% p.a.

5.57% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

5.18% p.a.

5.57% p.a.

$395.00 yearly

5.18% p.a.

5.57% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

5.18% p.a.

5.57% p.a.

$395.00 yearly

5.43% p.a.

5.81% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

5.43% p.a.

5.81% p.a.

$395.00 yearly

4.39% p.a.

4.79% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.39% p.a.

4.79% p.a.

$395.00 yearly

4.39% p.a.

4.79% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.39% p.a.

4.79% p.a.

$395.00 yearly

4.39% p.a.

4.79% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.39% p.a.

4.79% p.a.

$395.00 yearly

5.08% p.a.

5.47% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

5.08% p.a.

5.47% p.a.

$395.00 yearly

4.19% p.a.

4.60% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.19% p.a.

4.60% p.a.

$395.00 yearly

4.19% p.a.

4.60% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.19% p.a.

4.60% p.a.

$395.00 yearly

4.19% p.a.

4.60% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.19% p.a.

4.60% p.a.

$395.00 yearly

5.08% p.a.

5.47% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

5.08% p.a.

5.47% p.a.

$395.00 yearly

4.54% p.a.

4.94% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.54% p.a.

4.94% p.a.

$395.00 yearly

4.54% p.a.

4.94% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.54% p.a.

4.94% p.a.

$395.00 yearly

4.54% p.a.

4.94% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.54% p.a.

4.94% p.a.

$395.00 yearly

5.48% p.a.

5.86% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

5.48% p.a.

5.86% p.a.

$395.00 yearly

4.39% p.a.

4.79% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.39% p.a.

4.79% p.a.

$395.00 yearly

4.34% p.a.

4.75% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.34% p.a.

4.75% p.a.

$395.00 yearly

4.34% p.a.

4.75% p.a.

$395.00 yearly

ME Flexible Home Loan (Member Package)

4.34% p.a.

4.75% p.a.

$395.00 yearly

Mozo Review   ME Flexible Home Loan (Member Package) Review

Last updated: 31 August 2018.

What's hot:
  • Variable rates from 3.69% (4.11% comparison rate)

  • 2018 Mozo Experts Choice Award winner

  • Repayments holiday available

  • Offset account available

What's not:
  • $395 annual service fee

Mozo snapshot:

ME delivers close to the total package for investors and owner occupiers alike with the Flexible Home Loan Member Package. With variable rates as low as 3.69% (4.11% comparison rate), plus money-saving features like an offset account and the option to take a repayments holiday if you need it, it’s clear why the Flexible Home Loan (Member Package) was judged as a market-leader in the Packaged Home Loan category of the 2018 Mozo Experts Choice Awards.

Key features:

Whether you’re looking for a home loan for your own humble abode or an investment property, the Flexible Home Loan with ME’s Member Package has you covered. Depending on the LVR and loan amount, variable rates can be as low as 3.69% (4.11% comparison rate). You’ll also have the option to split your loan between variable and fixed rates, with terms as long as 7 years.

ME’s Flexible Home Loan (Member Package) also gives you an extensive range of options when it comes to repayments. For a start, you’ll have the option to make principal and interest or interest only repayments on your home loan and you can do this on a weekly, fortnightly or monthly basis.  

If you feel like you’re ahead of the curve you can also make fee-free additional repayments or if it all gets a bit much you have the chance to take a repayment holiday, too. It is worth keeping in mind that even though you’re able to make fee-free redraws on your Flexible Home Loan, there is a $500 minimum in place.

If you’re only after a small sum of cash the good news is you can still get your hands on the Flexible Home Loan for a loan of $40,000 and there is no maximum loan amount, as long as you can meet your repayments. You can also save on interest over the life of the loan by opening taking up ME’s offer of an offset account.

Although the Member Package comes with a $395 annual fee, the trade off is it delivers a few neat extras like no valuation or top up fees on your Flexible Home Loan.

Who it's good for:

If you’re a homeowner or investor that wants a full suite of home loan features at a competitive rate and you don’t mind stumping up $395 each year, the Flexible Home Loan with ME’s Member Package could be the loan you’ve been looking for.

Any catches?

Aside from the annual service fee, just bear in mind that all redraws will have to be worth more than $500.

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.83% p.a.

  • n/a

  • 0 Months

  • none

  • 5.23% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $40,000

  • $149,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 3.74% p.a.

  • n/a

  • 0 Months

  • none

  • 4.16% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $399,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 3.69% p.a.

  • n/a

  • 0 Months

  • none

  • 4.12% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $400,000

  • $699,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 3.69% p.a.

  • n/a

  • 0 Months

  • none

  • 4.11% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.83% p.a.

  • n/a

  • 0 Months

  • none

  • 5.23% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $40,000

  • $149,999

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.29% p.a.

  • n/a

  • 0 Months

  • none

  • 4.70% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $399,999

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.19% p.a.

  • n/a

  • 0 Months

  • none

  • 4.60% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $400,000

  • $699,999

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.09% p.a.

  • n/a

  • 0 Months

  • none

  • 4.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.18% p.a.

  • n/a

  • 0 Months

  • none

  • 5.57% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $40,000

  • $149,999

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.18% p.a.

  • n/a

  • 0 Months

  • none

  • 5.57% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $399,999

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.18% p.a.

  • n/a

  • 0 Months

  • none

  • 5.57% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $400,000

  • $699,999

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.18% p.a.

  • n/a

  • 0 Months

  • none

  • 5.57% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • 90.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.43% p.a.

  • n/a

  • 0 Months

  • none

  • 5.81% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $40,000

  • $149,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.39% p.a.

  • n/a

  • 0 Months

  • none

  • 4.79% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $399,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.39% p.a.

  • n/a

  • 0 Months

  • none

  • 4.79% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $400,000

  • $699,999

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.39% p.a.

  • n/a

  • 0 Months

  • none

  • 4.79% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.08% p.a.

  • n/a

  • 0 Months

  • none

  • 5.47% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $40,000

  • $149,999

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.19% p.a.

  • n/a

  • 0 Months

  • none

  • 4.60% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $399,999

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.19% p.a.

  • n/a

  • 0 Months

  • none

  • 4.60% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $400,000

  • $699,999

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.19% p.a.

  • n/a

  • 0 Months

  • none

  • 4.60% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.08% p.a.

  • n/a

  • 0 Months

  • none

  • 5.47% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $40,000

  • $149,999

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.54% p.a.

  • n/a

  • 0 Months

  • none

  • 4.94% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $399,999

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.54% p.a.

  • n/a

  • 0 Months

  • none

  • 4.94% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $400,000

  • $699,999

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.54% p.a.

  • n/a

  • 0 Months

  • none

  • 4.94% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 5.48% p.a.

  • n/a

  • 0 Months

  • none

  • 5.86% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $40,000

  • $149,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.39% p.a.

  • n/a

  • 0 Months

  • none

  • 4.79% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $399,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.34% p.a.

  • n/a

  • 0 Months

  • none

  • 4.75% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $400,000

  • $699,999

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • none

  • none

Details

Rates and fees information correct as at 24 September 2018.

Rates
  • 4.34% p.a.

  • n/a

  • 0 Months

  • none

  • 4.75% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $0.00

  • $0.00

  • none

  • $395.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • 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 (Member Package)

  • Overall
    10/10
    Committed to looking after working people

    Rates are good. Great people to deal with and they visit your home or workplace.

    Rates are good. Great people to deal with and they visit your home or workplace.

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

    Helen | South Australia

    reviewed 7 months ago

  • Overall
    9/10
    Need I say more, best loan.

    Need I say more. Best loan going.

    Need I say more. Best loan going.

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

    Des | Victoria

    reviewed almost 3 years ago

  • Overall
    9/10
    I love what they stand for.

    Calls are answered straight away. Problems solved efficiently. Love the flexibility of my home...

    Calls are answered straight away. Problems solved efficiently. Love the flexibility of my home loan and the low fixed rate.

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

    Angela | Victoria

    reviewed almost 3 years ago

  • Overall
    8/10
    Run for members benefit.

    They do not bother me with additional product sales.

    They do not bother me with additional product sales.

    Price
    8/10
    Features
    8/10
    Customer service
    6/10
    Convenience
    3/10
    Trust
    9/10

    Stephen | Queensland

    reviewed about 3 years ago

  • Overall
    9/10
    No time wasted with this bank.

    If you're in the position to take advantage of the products, you are silly not to do so.

    If you're in the position to take advantage of the products, you are silly not to do so.

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

    Name not supplied | Tasmania

    reviewed over 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

*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.