ME Flexible Home Loan

This product is available in different versions. Pick the right version for you here.

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%

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

  • 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

  • Investor (Interest Only)

    LVR < 90%

    Loan: $40,000

4.71% p.a.

4.74% p.a.

$0.00

ME Flexible Home Loan

4.71% p.a.

4.74% p.a.

$0.00

5.01% p.a.

5.04% p.a.

$0.00

ME Flexible Home Loan

5.01% p.a.

5.04% p.a.

$0.00

5.51% p.a.

5.54% p.a.

$0.00

ME Flexible Home Loan

5.51% p.a.

5.54% p.a.

$0.00

5.47% p.a.

5.50% p.a.

$0.00

ME Flexible Home Loan

5.47% p.a.

5.50% p.a.

$0.00

5.77% p.a.

5.80% p.a.

$0.00

ME Flexible Home Loan

5.77% p.a.

5.80% p.a.

$0.00

6.27% p.a.

6.30% p.a.

$0.00

ME Flexible Home Loan

6.27% p.a.

6.30% p.a.

$0.00

6.47% p.a.

6.50% p.a.

$0.00

ME Flexible Home Loan

6.47% p.a.

6.50% p.a.

$0.00

Details

Rates and fees information correct as at 14 October 2019. 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
  • 4.71% p.a.

  • n/a

  • n/a

  • n/a

  • 4.74% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $40,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • 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 14 October 2019. 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
  • 5.01% p.a.

  • n/a

  • n/a

  • n/a

  • 5.04% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $40,000

  • none

  • 80.00%

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • 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 14 October 2019. 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
  • 5.51% p.a.

  • n/a

  • n/a

  • n/a

  • 5.54% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $40,000

  • none

  • none

  • 80.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • 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 14 October 2019. 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
  • 5.47% p.a.

  • n/a

  • n/a

  • n/a

  • 5.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $40,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • 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 14 October 2019. 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
  • 5.77% p.a.

  • n/a

  • n/a

  • n/a

  • 5.80% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $40,000

  • none

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • 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 14 October 2019. 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
  • 6.27% p.a.

  • n/a

  • n/a

  • n/a

  • 6.30% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $40,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • 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 14 October 2019. 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
  • 6.47% p.a.

  • n/a

  • n/a

  • n/a

  • 6.50% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $200.00

  • $200.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $40,000

  • none

  • none

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • yes

  • yes - free

  • $500.00

  • yes

  • yes

  • 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 customer rating
8.7/10

Based on 902 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

  • Overall
    10/10
    Have found ME Bank very helpful with right answers

    Pro - I like dealing with Australian call centres. Con - not a 24/7 Bank

    Pro - I like dealing with Australian call centres. Con - not a 24/7 Bank

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

    Sharon | Queensland

    reviewed over 1 year ago

  • Overall
    10/10
    Awesome

    Excellent service and cheap interest rates

    Excellent service and cheap interest rates

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

    Peter | New South Wales

    reviewed over 1 year ago

  • Overall
    9/10
    Great customer service

    Changed from the big 4 to ME years ago. Service is so good not interested in changing banks.

    Changed from the big 4 to ME years ago. Service is so good not interested in changing banks.

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

    Karen | Victoria

    reviewed over 2 years ago

  • Overall
    9/10
    Professional service

    Professionalism of their mobile lender was superb.

    Professionalism of their mobile lender was superb.

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

    Anthony | Victoria

    reviewed over 2 years ago

  • Overall
    10/10
    Totally brilliant

    Awesome in every respect from service to getting things done

    Awesome in every respect from service to getting things done

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

    Gary | South Australia

    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.

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2.84% p.a.

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3.34% p.a.

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$200

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3.17% p.a.

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$150

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Back to Basics

3.18% p.a.

3.19% p.a.

$0

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3.45% p.a.

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$195

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3.08% p.a.Apply now to get this rate from 17 Oct

3.10% p.a.Apply now to get this rate from 17 Oct

$520

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2.99% p.a.
fixed 3 years

3.84% p.a.

$0

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2.69% p.a.
fixed 3 years

3.37% p.a.

$395

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3.19% p.a.
fixed 3 years

3.43% p.a.

$520

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2.84% p.a.
fixed 3 years

3.47% p.a.

$799

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2.99% p.a.
fixed 3 years

4.08% p.a.

$0

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n/a

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$395

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Reward Me Fixed Rate Home Loan

2.99% p.a.
fixed 3 years

3.42% p.a.

$150

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2.84% p.a.
fixed 3 years

3.47% p.a.

$799

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Smart Home Loan

2.88% p.a.Apply now to get this rate from 17 Oct

2.90% p.a.Apply now to get this rate from 17 Oct

$0.00

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UHomeLoan - Discount Offer

2.84% p.a.Apply now to get this rate from 29 Oct

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$0.00

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2.84% p.a.

2.80% p.a.

$0.00

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Flexible Home Loan (Member Package)

3.34% p.a.

3.78% p.a.

$395.00 yearly

Promoted

Newcastle Permanent

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Real Deal Home Loan

3.32% p.a.

3.36% p.a.

$0.00

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2.74% p.a.

2.77% p.a.

$0.00

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3.31% p.a.

3.37% p.a.

$0.00

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Variable Home Loan

2.84% p.a.

2.85% p.a.

$0.00

*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.