Refinance Home Loan @ ME Bank: $3000 Cashback (Minimum Loan $250,000) - Fixed Rates from 1.79% p.a. & Variable 2.29% p.a


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 by 29/10/21 and settle by 31/12/2021.

Get our lowest-ever fixed rate
Starting from 1.79% p.a. Pricing Discretion Applies

Fixed Rate Home Loan - Owner Occupied
Fixed Rate Home Loan
< 80.00% Lvr 1 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 From 2.29%

<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 (40)

$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


  • +5

    ME bank are scum. One only needs to look at recent press to see scathing articles about their operations and criminal charges brought against them.

    • Yes they are, I set-up direct trasfer to part of my variable portion of homeloan, when that bit got paid out, deductions didn't stop till I queried ( few months) . I asked them where was money going (not obviously in paid out loan), they said, it was sitting in our suspense account because we didn't had anywhere to put ( mind well, these instalments were going from my Me saving to Me home loan)…please make sure to track every single dollar Me banks takes away from your account…they have no idea what they are doing ..

  • Looks too good to be true to be offering such a low interest rate in this market with increasing rates from other banks. Whats the catch here?

    • Hi there is no Catch , we got mentioned rates for our exiting clients (As mentioned we need to get pricing) , We are not associated with ME Bank , But our experience with this bank remained very good.

  • +2

    If you ever want to move your loan away from ME Bank, they make you wait 28 days following application to process. They also try to lie about when they receive it to push things out a bit longer.

  • Do they allow split loans with offset. I.e. I’m interested in equity cash out for shares and a small reno and would like one main loan (to refi existing) and then 3-5 split/sub loans each with offset for tax purposes

    • Yes , they do allow split Loans with offsets , upto 100k Cash out allowed without any evidence , If cashout required over 100k limit need to provide renovation quotations.


      Just be careful you might find yourself without access to funds accumulated in your account also!

      • That was redraw, not offset.

        • Yes relied to the wrong post but it goes to demonstrate ME's dodgy practices so I'll allow it.

  • are there any offers with the refinance bonus if the mortgage current balance is less than 250K?

    • Hi you can call us to discuss . thanks

  • @CelebrationFinance How long does it take for your broker rebate and ME bank rebate to be credited into the borrower's account? Are both of these paid in a single tranche or do you drag that out over several payments? And is the 2.38% variable rate with a 100% offset account?

    • Hi It will take 4 to 6 weeks after settlement. yes variable loans comes with offset account.

  • Is 2 year owner occupied fixed loan 1.89% or 1.79%?