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Switch Your Home Loan: $3000 Cashback (Minimum Loan $250,000) - Fixed Rates from 1.84% p.a. & Variable 2.38% p.a. @ ME Bank


Switch your home loan to ME Bank and you’ll get an extremely competitive rate and receive a $3,000 cashback.
Available for a limited time only, for new borrowings Owner occupiers and investers up to 80% of the property value.

***A $3,000 cash back offer is available on refinances of an existing home loan from another financial institution with a minimum new lending of $250,000. To be eligible for this offer, applications must be received between Monday 02 August 2021 and Friday 27 August 2021 (inclusive) and settled by Friday 29 October.

Get our lowest-ever fixed rate
Starting from 1.84% p.a. (2.76% p.a. comp rate)

Fixed Rate Home Loan - Owner Occupied
Fixed Rate Home Loan
< 80.00% Lvr 2 Year 2.19% p.a. Comparison rate 2.83% p.a.
< 80.00% Lvr 2 Year 1.89% p.a. Comparison rate 2.76% p.a.

Fixed Rate Home Loan - Investment
Fixed Rate Home Loan
< 80.00% Lvr 1 Year Term 2.49% p.a. Comparison rate 3.38% p.a.
< 80.00% Lvr 2 Year Term 2.49% p.a. Comparison rate 3.34% p.a.
< 80.00% Lvr 3 Year Term 2.49% p.a. Comparison rate 3.30% p.a.

Variable Rate Home Loan - Owner Occupier
<80.00% Lvr 2.38% p.a Comparison Rate 2.38% p.a

PLUS 0.18% Bundle Rebate (available via Celebration Finance Only)

Rebates Are Paid Net of Offset/Redraw Post Settlement

In ADDITION to bank rebates, Celebration Finance gives a rebate of 0.18% of loan size (net of offset only). ie balance owing only minus offset amount) for ANY bank or product,

Total Fees eg NSW & VIC incl GST Mortgage Discharge Registration Fee as at is $171.20.(WA)$187(QLD)$116.80(vic)($143.5) The cost of the mortgage registration fee varies from state to state. Here’s what you can expect to pay:

• ACT: $145 New South Wales: $141.60 Northern Territory: $145 Queensland: $187 South Australia: $163 Victoria: $116.80
• Tasmania: $135.09 to register, $167.48 to discharge
• Western Australia: $171.20

Title search fee $14 to $25 all states.
Legal/settlement fee from incoming lender – Approx $100-$350
Discharge admin fee from outgoing lender – Approx $250-$350
Total fees approx $650 – $800 in most cases.

We have some of the lowest rates and can get pricing discounts up to 1.9%.
Our policy is to beat any competitor/broker/lending manager with our rates and rebates, so will do whatever it takes to get the best deal for you.
Please send your contact number if you are sending enquiry by email.
Enquires without phone numbers will not be responded.

Gurbinder kler
Celebration Finance.
M: 0414750586
E: [email protected]
ACL 377294 ACR 501789
Disclaimer: The information provided is for general education purposes only and is not intended to constitute specialist or personal advice. This has been provided without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.

Referral Links

Referral: random (35)

$150 Coles Group & Myer Gift Card for both referree and referrer when loans are settled.

Related Stores

ME Bank
ME Bank
Celebration Finance
Celebration Finance



    could receive a $3,000 cashback?

    Not how the title reads to me..

    • +1 vote

      Hahaha about to reply the same. I could win power all tonight

    • Found the ME Bank Refinance Page, and it appears to be the full $3000 Cashback on a minimum new lending of $250,000


    Rates not that great for Investment. Cheaper to go some of the Big4 Banks, e.g. Westpac.


      Macquarie has decent rates for investment.



      ANZ offering 2.29% on 2 year fixed rate on investment we can help with them as well , they are $3000 cash back on Refinance with minimum lending of 250k.


  • @CelebrationFinance Can you confirm if the cashback is the full $3000 or up to $3000.

    As per your description:

    could receive a $3,000 cashback

    Information found on ME Bank Refinance Page - Full $3000 Cashback on a minimum new lending of $250,000.


      Hi Its $3000 Cashback on minimum lending of 250k thanks

  • +4 votes

    stay away from ME


    Following an ASIC investigation, criminal charges were filed against Members Equity Bank Limited (ME Bank) in the Federal Court of Australia on 25 May 2021.

    • +3 votes

      At the top of that page, stick the name of a big bank in the search box. I don't think many of the big ones are squeaky clean.


        so true unfortunately



      we deal with all banks , ING offering similar rates and cashback.



    I'm already with ME Bank would I already be receiving these benefits?

    Account type
    Standard Home Loan with Member Package

    Additional information:
    Interest Rate:3.58% p.a.

    Account type
    Ultimate Offset Account with Member Package

    Additional information:
    Interest Rate:4.12% p.a.


      Huh? 3.% rate? I hope thats before discount

    • +2 votes

      I'm with ME and had to begin paperwork to exit before they'd offer me a better rate. Didn't matter how many times I asked as a 20+ years customer they wouldn't help get me near a competitive rate.


        same happened to me, i was glad to kiss them good bye
        their internet banking is also light years behind
        i would never go back to ME


      Unlikely. We tried to get them to shift our interest rate to something similar to these new customer offers, but they weren't interested. At least until we had approval to refinance elsewhere ;)

    • +1 vote

      Hi Gomo ,

      Please send me email with your full name and contact number we will see what we can do for you.

      [email protected]



    Any benefit for going with this broker instead of direct me bank?


      I think they give you extra rebate, this one offers 0.18%.

  • +1 vote

    Previous customers got some unexpected redraw account changes:

  • +4 votes

    Aside from the fact that ME Bank is currently facing criminal charges, and tried to stop their customers accessing their redraw during a pandemic, you might want to read reviews of what it's like to do business with ME Bank:



      Personally I've found them quite good. I've got a few home loans with them and besides having a crap website I've found their customer service good, interest rates competitive and their loan top up feature is good as an invested.


    Now BOQ bought them the end of the honeymoon is within sight!