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ME Flexible Home Loan

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 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

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 80% $40,000
Owner Occupier Principal & Interest 80%-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 < 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
Rate
8.65% p.a.
Comparison Rate
8.67% p.a.
Service fee
$0.00
Upfront fee
$450
Rate
8.86% p.a.
Comparison Rate
8.88% p.a.
Service fee
$0.00
Upfront fee
$450
Rate
9.36% p.a.
Comparison Rate
9.01% p.a.
Service fee
$0.00
Upfront fee
$450
Rate
9.32% p.a.
Comparison Rate
9.34% p.a.
Service fee
$0.00
Upfront fee
$450
Rate
9.62% p.a.
Comparison Rate
9.64% p.a.
Service fee
$0.00
Upfront fee
$450
Rate
10.12% p.a.
Comparison Rate
9.74% p.a.
Service fee
$0.00
Upfront fee
$450
Rate
10.32% p.a.
Comparison Rate
9.99% p.a.
Service fee
$0.00
Upfront fee
$450

Details

Rates and fees information correct as at 29 March 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

8.65% p.a.

n/a

n/a

n/a

8.67% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$200.00

$250.00

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

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 29 March 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

8.86% p.a.

n/a

n/a

n/a

8.88% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$200.00

$250.00

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 29 March 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

9.36% p.a.

n/a

n/a

n/a

9.01% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$200.00

$250.00

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

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 29 March 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

9.32% p.a.

n/a

n/a

n/a

9.34% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$200.00

$250.00

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

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 29 March 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

9.62% p.a.

n/a

n/a

n/a

9.64% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$200.00

$250.00

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 29 March 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

10.12% p.a.

n/a

n/a

n/a

9.74% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$200.00

$250.00

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

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 29 March 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

10.32% p.a.

n/a

n/a

n/a

9.99% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$200.00

$250.00

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
Price
Features
Customer service
Convenience
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Based on 968 ME home loan reviews

Latest reviews of ME Flexible Home Loan

About ME

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6.58% p.a.

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6.20% p.a.

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5.99% p.a.
fixed 3 years

6.37% p.a.

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Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

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Variable

5.99% p.a.

5.90% p.a.

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Sucasa

Ultra Low Rate

6.30% p.a.

6.58% p.a.

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Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

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Express Home Loan

6.01% p.a.

6.14% p.a.

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OMG Home Loan

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6.00% p.a.

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6.16% p.a.

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Basic Home Loan

6.15% p.a.

6.17% p.a.

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BCU Bank

Fixed Rate Home Loan

p.a.

6.30% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

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Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

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fixed 3 years

6.38% p.a.

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ubank

Flex Home Loan Fixed

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fixed 3 years

6.41% p.a.

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Fixed Rate Loan (with Orange Advantage)

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fixed 3 years

6.12% p.a.

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BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.09% p.a.
fixed 3 years

6.19% p.a.

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Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

$248.00 yearly

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Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

$10.00 monthly

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Sucasa

Ultra Low Rate

6.30% p.a.

6.58% p.a.

$0.00

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Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

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ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

$0.00

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Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

$0.00

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Home Variable Rate

5.95% p.a.

5.95% p.a.

$0.00

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BCU Bank

OMG Home Loan

5.99% p.a.

6.00% 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.

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