ME Bank Home Loans

Warning do not use ME Bank Impossible to contact my partner passed 2 months ago and put the loan on hardship At the time for obvious reasons . After numerous phone calls being on hold for over 2 hrs each call, and this continued for over 3 weeks. Lodged 3-4 official complaints and refered to BOQ , and they escalated for them to contact me . Still… Read more

nothing contact BOQ again told nothing they could do . Need to take it off hardship and restructure the loan . At a complete loss how to deal with this company they are so frustrating a complete joke . Will ring again tomorrow hopefully dont get disconnected again after being on hold fir 2 hrs 20 . Do not use this company

Terrible wait time on phone. 6 hours to answer my call. Yes, you read it correct 6 hours. Lost my whole day off to get on touch and then also no solution to the issue. 3 to 4 hours call waiting is common with them. If you have plenty of spare time or patience to wait go for ME BANK

I do like Me Bank, but not sure what's been happening there lately, since I've been trying to speak with them for days and I have no response after 1h+ holding in the call for multiple days. Where is their staff? Show details

I refinanced with them a few months ago with a fantastic rate and cash back offer ,so far everything was very good with no issue or delay , no monthly fees,no withdrawal fee for offset or any other hidden costs Show details ·  1

ME have been great! – I've banked with ME for a few years now and I find that their customer service is great, they are responsive, polite and informed. My homeloan was super easy to set up and the mobile lenders made it very easy. They have great, competitive variable rates. We've looked at other banks, but it's not worth the move. Show details ·  1

Great service and rates – My wife and I searched many financial products via our Financial Advisor, No Fuss Home Loans, and came across ME Bank. Although not the lowest rate, they were quite low, accepted us as borrowers even though we are 'older' people, and best of all accepted our loan application with only 5% equity. The only issue was that the Variable rate lock-in… Read more ·  1

was left out, but this was quickly resolved by ME Bank no questions asked. We found the service was great,-- we did it via our Financial Advisor:: Kathy Dundas [www.nofusshomeloans.com.au] AND, our conveyancer who helped us with property contracts:: Michelle Nassif [tri-stateconveyancing]. With ME Bank on our side, we had a great team. No fuss, no hassle.

THANK YOU ME BANK !!

Stay away from ME BANK - I would give zero stars if it were possible. They are abhorrent. Every phonecall to speak with someone, is met with a minimum of 45mins on hold. The longest yet was 2.5hrs! The app chat function has NEVER worked, forcing you back onto the phone and endless hold music. Repeated requests to discharge a loan, in order… Read more

obtain a lower rate elsewhere have been ignored. ME Bank has failed on 3 occasions to settle the loan. The matter was escalated twice, followed by a formal complaint through their internal process. No communication nor action has occurred. In a financial crisis, their conduct is unscrupulous, and shows a complete lack of customer service and empathy...not to mention financial costs.

Being a home loan customer, they switched my P&I loan to Interest only without my permission. On top of it, charged me a late payment fee for a direct debit payment which the bank itself direct debits. Called them but their customer service (sounds like based in the Phillipines) was absolutely unhelpful. Refusing to acknowledge and refusing to fix… Read more

this. I am complaining to the ombudsman as this is completely illegal, esp just changing my loan to interest only on their own!!

No customer service!!! Since being forcibly migrated to MEGo our mortgage discharge was cancelled by the bank with no communication. Only found out by calling solicitors for settlement date. The only human contact numbers available make you wait minimum of 30 mins to put you throught to new MEGo line 2hr9mins and then error message please call… Read more

again. Make sure you have an AFCA account you will need it to get any response. Online feedback form no response after 48 hours. It is now over a week since initial complaint. They have just been dreadful since BOQ acquisition. The only comforting thought is they will all be AI'd out of existence

Settlement of our home sale was scheduled march 27 MEBank missed it they weren’t ready even though we submitted all paperwork 5 weeks ago our buyers are beyond frustrated and we are desperate being trying non stop for 3 days to find out what’s happening with no success hours and hours on hold to be eventually told their team is busy have no idea how to resolve this Show details

I would give them -100 stars if I could. Stay away from them if you care about your peace of mind. They miss settlement date not once, but thrice and they do not have any escalation mechanism, neither for the customers nor for the Home Loan agents. It takes more than 2 hours to speak to their call center people, and they are the most incompetent… Read more

bunch you will come across. I cancelled my top up loan with them, and I have moved on to one of the big 4's. Just stay away from these incompetent bunch

Worst bank ever. Run! Do not engage unless you enjoy 2 hours waits on the phone and endless problems. This bank is a complete joke.

I joined ME over 25 years ago when it was Members Equity. I was a very happy customer and recommended them to many people. I am no longer happy - I am exceptionally disgruntled. Service has declined SIGNIFICANTLY. I now recommend that people actively avoid ME Bank. I have sold a property. Settlement occurred several days ago. ME Bank have the… Read more

money, but have not yet attributed it to the loan. So, I no longer have an asset, but look as though I am still considerably in debt.

I have also requested a breakdown of the pay-out figure. Apparently that could take up to 30 days to receive, even though they had to calculate it for settlement. So, the breakdown exists, but they will not send it through for 30 days: just because they can.

I have: - sent messages via the member portal - I have not yet received a response - lodged a complaint - I have not yet received a response - waited on hold for 50 minutes to be told that it will take time to get the funds attributed to the loan "because that is how long it takes"

Horrible discharge process. I have secured a loan from a different lender, as ME Bank could not give me a good offer. To discharge the mortgage for my new loan to settle has become a battle. My lawyer has tried to contact the solicitors of ME Bank, and they said they have not received instructions to effect the discharge. My lawyer writes to ME… Read more

Bank, and all that she receives is an automated response. This is ridiculous. Reading reviews here tells me it is the stock in trade of ME Bank. Unfortunately for me, this transaction has court orders, so the unnecessary delay is costing me money. I would not encourage anyone to take out any loan from ME Bank. So creepy.

Horrible services – How is it that you punish a customer for 20 years with an interest rate of 8.7 %? and yet another bank is offering me a 5.8% fixed for two years. You are offering your customers that take your members package 6.24% for 12 months. What a rip-off ME bank. Show details

The most disgraceful experience of my life – This bank would have to be the bottom of the bottomless pit. We’ve had a home loan with them for 30 years and all went swimmingly until we decided to sell the investment property. They couldn’t get their head around issues concerning the mortgage discharge. Everything went belly up. They harassed us constantly and attempted to charge us numerous… Read more

arrears fees. I have spent in excess of 100 hours on the phone with them trying to resolve THEIR issues unsuccessfully. They’re just a tinpot show. DO NOT GO ANYWHERE NEAR THEM - seriously, they have no idea! ‍♀️‍♀️

Terrible experience – If I could give no stars or a negative rating I would. Never use Mebank for any type of finance at all. The lengths I have had to go through to payout my mother’s home loan is truly disgusting. 3 months and several phone calls later and we are still trying to get this resolved.

Stay away from these scammers – Stay away from these scammers! We started refinancing our loan and got payout letter from ME Bank, which was about $18000 higher than our current balance. We paid about $600 more to make sure the settlements is going to take place asap. Then another shock stroke in, they wanted another $1472 because bank is calculating interest rates on a monthly basis?!. Scammers and nothing else!!! Show details

No Customer Service For Existing Customers – I am a current longterm home loan customer with multiple loans. I attempted to speak to someone in the Discharges area to ask a question about a partial discharge. Called customer service, on hold for over 1 1/2 hours, then gave up. Next day tried again to be told I can't speak to anyone in Discharges, should never have been put on hold the day… Read more

before, wait for a call back, up to a three week wait! Put in a customer complaint on line as the website recommends, no call. It's been over a week. Next stop a complaint to AFCA. There is no customer service, and no offer of help unlesss you have a cookie cutter question.

Poor customer service – I have requested for a home loan payout letter once I paid my home loan. I had to ring multiple times with long waiting over the phone. Finally when I received the document it had the wrong property address on it,which is of no use for me. I have rang them again and I was told it will take another week to sort out this issue. The lady I spoke to hang up on me.

Trying to change terms of mortgage contract with no written notice – I was told that because my mortgage is an "old product" I can no longer fix a portion of my loan. That is, they are wavering from the terms of the contract signed. I was given no written notice of this, it just came up as I was trying to refix my loan. Have lodged a complaint and was told to expect a long wait. I'm looking for a better offer now, why wait! I've been with them for over 20 years, as others here are saying, they used to be great. Show details

Terrible hold times and poor customer service – Absolutely appalling customer service. This week I waited for over an hour to get details on paying out a loan, then to receive strange service where details conflicted each other, used jargon, spoke to quickly and basically caused considerable confusion. No wonder wait times are long if everyone's experience was like ours. Now again, I've… Read more

been on hold for an hour, still waiting to be answered, and all I want to do is provide new details to pay a member fee. When we first joined ME Bank nearly 20 years ago, the service was amazing and personal, but now it is obvious the bank is favouring profits over customers. And please... I don't want a standard 'I'm sorry your experience hasn't been as expected and we value our customers' response from ME Bank. We've had terrible hold times for more than a year, so sorry doesn't cut it... our time is valuable and ME Bank waste a lot of it. Perhaps interest fees should be reduced by a $1 for every minute we are on hold! And when it comes to interest rates... everyone is doing it tought... perhaps banks should reduce profit margins and the silly fees they charge.

I hope you like wait music – Imagine not being able to talk to customer service as an existing customer. Imagine nomore!! 3x 40 min wait times in one day to have my calls not answered. We'll be leaving you ASAP Show details

Service gone downhill! – Waited an hour and a half on hold before hanging up. Emailed the previous day and they never responded. I guess it confirms it’s time to change to another lender!

Terrible – Takes them at least 1 hour to pick up the phone, and end up with someone don't know their product or what ever they doing.

AVOID – ME Bank has gone downhill since BOQ take over – ME Bank was a decent bank when owned by industry super funds. We bought our first house with them in Jan 2006. But since being taken over by the Bank of Queensland in 2021, ME Bank has gone downhill big time! Here is why: Appallingly long waits for all forms of customer service. Expect to wait for up to ***1 hour*** on phone calls before… Read more

speaking to anyone on their 13 number!! Days to weeks to reply to Online banking messages. Being sent SMS about dishonoured repayments to loans that are already paid down to zero balance. Online banking being unavailable for more than 48hour over weekends. The order of online bank transactions not lining up with Statements, etc, etc. ME Bank know there are problems and have buried their heads in the sand. I can only assume that BOQ are running this part of their business into the ground and the customers are suffering for it.

MeBank, the worst bank in Australia – I hate MeBank now. No branches or online messaging system so all you can do is call. Hold times always over 30 minutes. Waited 40min before giving up this morning then 55min now and counting. They don't protect their customers against fraud and when this happens to us they took 3 months to investigate and then denied the charge back with little… Read more

reasoning. Pass on all rate rises along with the big banks despite promising savings for members based on them being only online. Routinely double debit our account for pay wave purchases. Promised these funds would be returned within a certain amount of business days but they failed to stick to this promise as well. Will request a discharge letter to leave them as soon as I can actually talk to someone. Avoid at all costs.

Dreadful and unethical – Appalling customer service ridiculous security screening making it impossible to speak to the bank about my loan, variable intetest rate set at 8.7% after coming off fixed which was 2% higher than the ME advertised variable, unable to get past security to request adjustment to rate, am leaving ME going to Macquarie where customer service has been… Read more

A1, transfer of mortgage to Macquarie set for 14th March delayed by a month by ME claiming I had requested the delay! Unbelievable and once again unable to speak to a service representative as they wouldnt pass me on the security check- ME bank is a company run by unethical charlatans and liars dont go near them

What happened to ME BANK?? – Our Mobile Bank manager was pretty much incompetent or so poorly trained that we missed our settlement by 3 months, costing us $13,000. AFCA offered us $2,000 compensation which we decided to accept otherwise we were told we'd get zero, can you believe that? Being threatened by the Complaints Authority. ME BANK was a great bank ten years ago, but they have REALLY gone to the garbage tip imo. Show details

Go elsewhere – ME made an error in our credit report, which they admitted to. We needed it rectified and an email sent stating the fact as we were refinancing and our broker needed it amended. 10 phone calls in 15 days, everyone advising me it has been escalated and I will hear from someone within 2 days, it never happens, I then call again, to be told the same… Read more

stories again. Our problem has not been rectified as yet. They have the worst communication I have experienced. Needless to say, we will be moving our home loan to another lender.

Dodgy bank Beware – Hi all terms and condition of this bank is against customer. I ended up loosing 2200 dollar while having money in offset account. Do not trust there offset account l. They charge interest by making it extremely tricky for customers. Dodgy dodgy. I have also made a complaint to AFCA ,let’s see what happens Show details