Overview
Macquarie understands the importance of the role you play in helping your clients to select the right mortgage, that's why we support all accredited brokers and financial advisers with a premium service standard.
Our business is built around your business. Macquarie provides:
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experienced BDMs to help you grow your business
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direct access to our credit team
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products which are versatile, yet easy to understand
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a simple and transparent commission structure.
If your clients are looking for fully featured loans with exceptional service, please contact us.
Current promotions and offers for new MBMS loans
As part of Macquarie’s ongoing commitment to providing choice for you and your clients, we have a number of competitive offers.
Download a summary of all our great offers
Offers at a glance
1.01% life of loan discount for your clients
Effective 4 February 2013, we are offering a further 0.10%pa on our tiered discounts for eligible MBMS products.
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the discounted variable rate on the Classic, Premiums and Line of Credit products will be:
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5.19%pa for new applications with LVR ≤ 80%
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5.24%pa for new applications with LVR > 80%
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discounted variable rate on our SMSF, Expanded Income and Construction loan products will be 6.10%pa
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to be eligible for the discount, loans must settle by 31 August 2013.
Special one-year fixed rate from 4.95% pa3
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special one-year fixed rate is 4.95%pa3 on Classic, Premium and Line of Credit (LOC) products, or 5.76%pa3 on the SMSF Property Loan
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not available in conjunction with the promotional variable rate discounts of 1.01%pa (LVR ≤80%) or 0.96% pa (LVR > 80%) on the Classic, Premium and Line of Credit products, or the 0.10% pa on the SMSF Property Loan or EIV feature.
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Rate lock is available on the two-year special fixed rate for loans that settle by Friday, 28 June 2013.
Special two-year fixed rate from 4.99% pa
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Effective from 9 May 2013, we are offering a 0.20% pa discount on our current two-year fixed rate.
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4.99% pa for two-years fixed on our Classic, Premium or Line of Credit loans (or 5.80% pa for the SMSF Property Loan).
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Not available in conjunction with the promotional variable rate discounts of 1.01% (LVR ≤ 80%) or 0.96% (LVR > 80%) on the Classic, Premium and Line of Credit products (or the 0.10% pa on the SMSF Property Loan).
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The standard discount rate of 0.91% (LVR ≤ 80%) and 0.86% (LVR > 80%) will be applied to the variable rate.
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Now available on 100 per cent of the loan balance.
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Rate lock is available on the two-year special fixed rate for loans that settle by Friday, 28 June 2013.
Macquarie Home Loan Package - reduce, reward or flyer
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Whether choosing Macquarie’s Mortgage Minimiser option or another of our credit card rewards programs, when your clients take out a Macquarie Home Loan Package they can choose the benefit to best suit their needs:
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Macquarie’s Mortgage Minimiser option6 – an option available under Macquarie Rewards where your client accumulates points to be used towards cash rebates on their mortgage.
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Qantas Frequent Flyer Rewards7 – Macquarie Visa Platinum Cardholders can earn Qantas Frequent Flyer points redeemable for Award flights8 or a range of products and gift cards from the online Qantas Frequent Flyer Store9
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Macquarie Rewards – to redeem points that can be used towards travel, gift vouchers and a range of other goods.
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Your clients choose between the credit card rewards options available on their Macquarie Visa Gold or Macquarie Visa Platinum cards. Macquarie’s Home Loan Package also offers the convenience of an integrated mortgage and credit card approval process. This means:
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one point of contact for all approvals
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a smooth, efficient fulfillment process for your clients
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more products for your clients which commonly leads to a greater retention period and a greater trail income period for you.
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The annual card fees that usually apply to the Macquarie Visa Gold and Platinum Cards are waived when the credit card is applied for as part of the Macquarie Home Loan Package, although an annual $50 opt-in fee still applies to the Qantas Frequent Flyer Rewards option.
SMSF application fee - now just $500
For full details and terms and conditions of these offers and more:
One to three year fixed rates for new MBMS loans available on the great rate of 5.39%pa1
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not available on the SMSF Property Loan or Expand Income Verification Loan.
Upfront valuations for no fee
For property values up to $2 million only (until 31 May 2013).
0.10% variable rate discount applied to the loan of your client’s choice
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a 0.10% life of loan discount off the variable rate of either the SMSF Property Loan or the non-SMSF Property Loan, when a non-SMSF loan is submitted with an SMSF loan application
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for loans with a one per cent first year discount, this 0.10% discount will be applied after the first 12 months.
0.10% variable rate discount available for loans greater than $1M
(secured by more than one security)
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a 0.10% life of loan discount is available off the variable rate on our Classic, Premium and Line of Credit products for a single loan greater than $1M that is secured by more than one acceptable security property
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for loans with a one per cent first year discount, this 0.10% discount will be applied after the first 12 months.
Products
Macquarie's range of products is easy to work with and aims to meet the needs of your clients - whether they're a first home buyer simply wanting to pay off a loan as quickly as possible or they have more complex needs.
The range includes:
Your client...
... wants a simple loan
Classic is a basic loan with no account management fee and a competitive interest rate.
Features include:
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No account management fee
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Additional repayments and free redraw
... wants to buy an investment property
Classic is a basic loan with no account management fee and a competitive interest rate.
Features include:
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Additional repayments and free redraw
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No account management fee
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Interest only available
... doesn’t have the required deposit but their immediate family is willing to help by using their property as security for the loan
Classic is a basic loan with no account management fee and a competitive interest rate.
Features include:
... wants the ability to access the equity in their property
Line of Credit helps investors take advantage of investment opportunities by maximising access to the equity in their loan. It also has the flexibility of a P&I account.
Features include:
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Global borrowing limit makes it easy to access funds to invest
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Ease of opening and closing accounts – multiple account option
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P&I accounts to pay off personal debt sooner
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Macquarie Visa Platinum Credit Card+ available
... wants a complete package with flexible options
Premium is a fully transactional loan for clients who want to pay off their loan using an offset account, yet maintain flexibility.
Features include:
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100% mortgage offset facility
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Free transactions, additional repayments and redraw
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Macquarie Visa Platinum Credit Card+ available
... wants an SMSF Property Loan
SMSF Property Loan provides self managed super funds the flexibility to borrow in order to purchase residential investment property.
Features include:
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Purchase residential investment property
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Security of a limited recourse loan
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Potential gearing benefits
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Easily integrated with existing SMSF's.
... is self employed
Expanded Income Verification (EIV) is a feature that is available across the Macquarie Bank Mortgage Solutions product suite assisting self employed borrowers to verify their income for documented loans.
Features include:
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Allows Business Activity Statement (BAS) supported by bank statements for income assessment
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Allows previous year financials for income assessment
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Most recent tax returns not required
... wants more flexibility to manage their home loan
A Global Borrowing Limit provides a great deal of flexibility to manage your client's home loan in a way that's consistent with their financial strategies.
Features include:
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Your client's overall credit limit is determined at a total loan level rather than at an account level
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One 'global' or overall limit for your client's entire loan
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Your client can use their home loan as a hub
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Keep transactions separate for reporting purposes
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Use available funds for other purposes
Terms, conditions and limitations may apply to these products. Please click on the product links to view full features.
Rates
For Macquarie Bank Mortgage Solutions full range of rates, including credit card rates:
Download > rate card
Rates at a glance
Variable interest rates
Fixed interest rates##
SMSF Property Loan rates
Prepaid interest
In the lead up to 30 June, now may be the right time to talk to your clients about their finances. One way we help you with this is by offering eligible clients a discounted fixed interest rate for 12 months by pre-paying their mortgage interest upfront.
Prepaying mortgage interest is simple to apply for and can provide them with cashflow and potential taxation efficiencies.
Read ‘Paying mortgage interest in advance’ for all the details, to help you determine if it’s suitable for your clients.
Three easy steps
It’s simple to apply, clients need to:
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let us know they are interested by filling out the registration form
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complete the offer documents we send in late May, once the rate is set
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return the documents to us and arrange payment by Friday 14 June 2013.
Why prepay mortgage interest?
Clients may choose to pay interest in advance for a number of reasons including:
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Cashflow and budgeting
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Locking in a fixed annual rate
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Immediate tax deductions^^
Read ’Paying mortgage interest in advance’ for more information on each of these benefits.
Key eligibility criteria
The loan must be:
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for investment purposes (unregulated)
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a variable rate account
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interest only (IO) and the IO expiry date must be after the prepaid interest maturity date (i.e. 30 June 2014).
The loan must not be:
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in arrears or hardship
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a construction loan
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on a fixed rate.
To find out more, speak to your Macquarie Bank representative.
We have experienced BDMs who can help you
Our sales team has exceptional industry knowledge and experience. Our team supports you during the application and settlement process but our service model doesn't end there.
Contact the team
Head of Mortgage Sales
Doug Lee
0409 805 641
doug.lee@macquarie.com
New South Wales, Australian Capital Territory, Victoria and Tasmania
Regional Manager
Dino Pesce
0405 131 062
dino.pesce@macquarie.com
South Australia, Western Australia, Northern Territory and Queensland
Regional Manager
Alex Di Toro
0410 499 016
alex.ditoro@macquarie.com
Download Sales team contacts
