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Home loan products

Macquarie Rate Card

Macquarie home loans terms & conditions

Offset home loan

Owner occupied with principal and interest repayments

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
≤ 60% 2.39% pa 2.67% pa 2.44% pa 2.72% pa
≤ 70% 2.44% pa 2.72% pa 2.49% pa 2.76% pa
≤ 80% 2.49% pa 2.76% pa 2.54% pa 2.81% pa
≤ 90% 2.94% pa 3.21% pa 2.99% pa 3.26% pa
≤ 95% 3.26% pa 3.52% pa 3.31% pa 3.57% pa

Investment P&I

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
≤ 60% 2.54% pa 2.81% pa 2.59% pa 2.86% pa
≤ 70% 2.64% pa 2.91% pa 2.69% pa 2.96% pa
≤ 80% 2.74% pa 3.01% pa 2.79% pa 3.06% pa
≤ 90% 3.50% pa 3.76% pa 3.55% pa 3.81% pa

Variable rates

Owner occupied with principal and interest repayments

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
≤ 60% 2.39% pa 2.67% pa 2.44% pa 2.72% pa
≤ 70% 2.44% pa 2.72% pa 2.49% pa 2.76% pa
≤ 80% 2.49% pa 2.76% pa 2.54% pa 2.81% pa
≤ 90% 2.94% pa 3.21% pa 2.99% pa 3.26% pa
≤ 95% 3.26% pa 3.52% pa 3.31% pa 3.57% pa

Investment P&I

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
≤ 60% 2.54% pa 2.81% pa 2.59% pa 2.86% pa
≤ 70% 2.64% pa 2.91% pa 2.69% pa 2.96% pa
≤ 80% 2.74% pa 3.01% pa 2.79% pa 3.06% pa
≤ 90% 3.50% pa 3.76% pa 3.55% pa 3.81% pa

Fixed rates

Owner Occupied with principal and interest repayments

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
1 year fixed rate^
≤ 70% 3.59% pa 2.81% pa 3.64% pa 2.86% pa
≤ 80% 3.65% pa 2.86% pa 3.70% pa 2.91% pa
≤ 95% 4.39% pa 3.62% pa 4.44% pa 3.67% pa
2 year fixed rate^
≤ 70% 4.45% pa 3.05% pa 4.50% pa 3.10% pa
≤ 80% 4.49% pa 3.10% pa 4.54% pa 3.15% pa
≤ 95% 5.29% pa 3.87% pa 5.34% pa 3.92% pa
3 year fixed rate^
≤ 70% 4.79% pa 3.29% pa 4.84% pa 3.34% pa
≤ 80% 4.85% pa 3.34% pa 4.90% pa 3.39% pa
≤ 95% 5.59% pa 4.11% pa 5.64% pa 4.16% pa
4 year fixed rate^
≤ 70% 4.95% pa 3.51% pa 5.00% pa 3.56% pa
≤ 80% 4.99% pa 3.56% pa 5.04% pa 3.61% pa
≤ 95% 5.75% pa 4.34% pa 5.80% pa 4.39% pa
5 year fixed rate^
≤ 70% 5.05% pa 3.73% pa 5.10% pa 3.78% pa
≤ 80% 5.09% pa 3.77% pa 5.14% pa 3.82% pa
≤ 95% 5.85% pa 4.55% pa 5.90% pa 4.61% pa

Investment with principal and interest repayments

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
1 year fixed rate^
≤ 70% 3.79% pa 3.01% pa 3.84% pa 3.06% pa
≤ 80% 3.89% pa 3.11% pa 3.94% pa 3.16% pa
≤ 90% 4.65% pa 3.86% pa 4.70% pa 3.91% pa
2 year fixed rate^
≤ 70% 4.65% pa 3.25% pa 4.70% pa 3.30% pa
≤ 80% 4.75% pa 3.35% pa 4.80% pa 3.40% pa
≤ 90% 5.55% pa 4.12% pa 5.60% pa 4.17% pa
3 year fixed rate^
≤ 70% 4.99% pa 3.49% pa 5.04% pa 3.54% pa
≤ 80% 5.09% pa 3.59% pa 5.14% pa 3.64% pa
≤ 90% 5.85% pa 4.36% pa 5.90% pa 4.41% pa
4 year fixed rate^
≤ 70% 5.15% pa 3.72% pa 5.20% pa 3.77% pa
≤ 80% 5.25% pa 3.82% pa 5.30% pa 3.87% pa
≤ 90% 5.99% pa 4.58% pa 6.04% pa 4.63% pa
5 year fixed rate^
≤ 70% 5.25% pa 3.93% pa 5.30% pa 3.98% pa
≤ 80% 5.35% pa 4.03% pa 5.40% pa 4.08% pa
≤ 90% 6.09% pa 4.80% pa 6.14% pa 4.85% pa

 

Ongoing account fees

Fee type Fee amount
Application fee $0
Monthly fee $0
Annual package fee $248

 

Other fees and charges may apply.

Basic home loan

Owner occupied with principal and interest repayments

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
≤ 60% 2.39% pa 2.39% pa 2.44% pa 2.44% pa
≤ 70% 2.44% pa 2.44% pa 2.49% pa 2.49% pa
≤ 80% 2.49% pa 2.49% pa 2.54% pa 2.54% pa
≤ 90% 2.94% pa 2.94% pa 2.99% pa 2.99% pa
≤ 95% 3.26% pa 3.26% pa 3.31% pa 3.31% pa

Investment P&I

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
≤ 60% 2.54% pa 2.54% pa 2.59% pa 2.59% pa
≤ 70% 2.64% pa 2.64% pa 2.69% pa 2.69% pa
≤ 80% 2.74% pa 2.74% pa 2.79% pa 2.79% pa
≤ 90% 3.50% pa 3.50% pa 3.55% pa 3.55% pa

Variable rates

Owner occupied with principal and interest repayments

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
≤ 60% 2.39% pa 2.39% pa 2.44% pa 2.44% pa
≤ 70% 2.44% pa 2.44% pa 2.49% pa 2.49% pa
≤ 80% 2.49% pa 2.49% pa 2.54% pa 2.54% pa
≤ 90% 2.94% pa 2.94% pa 2.99% pa 2.99% pa
≤ 95% 3.26% pa 3.26% pa 3.31% pa 3.31% pa

Investment P&I

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
≤ 60% 2.54% pa 2.54% pa 2.59% pa 2.59% pa
≤ 70% 2.64% pa 2.64% pa 2.69% pa 2.69% pa
≤ 80% 2.74% pa 2.74% pa 2.79% pa 2.79% pa
≤ 90% 3.50% pa 3.50% pa 3.55% pa 3.55% pa

Fixed rates

Owner Occupied with principal and interest repayments

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
1 year fixed rate^
≤ 70% 3.59% pa 2.54% pa 3.64% pa 2.59% pa
≤ 80% 3.65% pa 2.59% pa 3.70% pa 2.64% pa
≤ 95% 4.39% pa 3.36% pa 4.44% pa 3.41% pa
2 year fixed rate^
≤ 70% 4.45% pa 2.78% pa 4.50% pa 2.83% pa
≤ 80% 4.49% pa 2.83% pa 4.54% pa 2.88% pa
≤ 95% 5.29% pa 3.62% pa 5.34% pa 3.67% pa
3 year fixed rate^
≤ 70% 4.79% pa 3.02% pa 4.84% pa 3.07% pa
≤ 80% 4.85% pa 3.08% pa 4.90% pa 3.13% pa
≤ 95% 5.59% pa 3.86% pa 5.64% pa 3.91% pa
4 year fixed rate^
≤ 70% 4.95% pa 3.25% pa 5.00% pa 3.30% pa
≤ 80% 4.99% pa 3.30% pa 5.04% pa 3.35% pa
≤ 95% 5.75% pa 4.09% pa 5.80% pa 4.14% pa
5 year fixed rate^
≤ 70% 5.05% pa 3.47% pa 5.10% pa 3.52% pa
≤ 80% 5.09% pa 3.52% pa 5.14% pa 3.57% pa
≤ 95% 5.85% pa 4.31% pa 5.90% pa 4.36% pa

Investment with principal and interest repayments

LVR Interest rate Comparison rate* Qantas Flyer rate1 Comparison rate*
1 year fixed rate^
≤ 70% 3.79% pa 2.74% pa 3.84% pa 2.79% pa
≤ 80% 3.89% pa 2.84% pa 3.94% pa 2.89% pa
≤ 90% 4.65% pa 3.60% pa 4.70% pa 3.65% pa
2 year fixed rate^
≤ 70% 4.65% pa 2.98% pa 4.70% pa 3.03% pa
≤ 80% 4.75% pa 3.08% pa 4.80% pa 3.14% pa
≤ 90% 5.55% pa 3.86% pa 5.60% pa 3.91% pa
3 year fixed rate^
≤ 70% 4.99% pa 3.23% pa 5.04% pa 3.28% pa
≤ 80% 5.09% pa 3.33% pa 5.14% pa 3.38% pa
≤ 90% 5.85% pa 4.11% pa 5.90% pa 4.16% pa
4 year fixed rate^
≤ 70% 5.15% pa 3.46% pa 5.20% pa 3.51% pa
≤ 80% 5.25% pa 3.56% pa 5.30% pa 3.61% pa
≤ 90% 5.99% pa 4.34% pa 6.04% pa 4.39% pa
5 year fixed rate^
≤ 70% 5.25% pa 3.68% pa 5.30% pa 3.73% pa
≤ 80% 5.35% pa 3.78% pa 5.40% pa 3.83% pa
≤ 90% 6.09% pa 4.56% pa 6.14% pa 4.61% pa

Ongoing account fees

Fee type Fee amount
Application fee $0
Monthly fee $0
Annual fee
 $0

 

Other fees and charges may apply.

Useful resources

Commonly used documents and resources, including calculators and tools, flyers and brochures, how-to guides and forms.

View the Valuation Ordering page

Calculators

Calculator Link
Extra repayments calculator Go to calculator
LDF (LMI) calculator Download calculator
Qantas Points home loan Go to page
Refinance calculator Go to calculator
Serviceability calculator Download calculator
Split home loan calculator Go to calculator
Stamp duty calculator Go to calculator

 

 

 

Rate card and credit guidelines

Tool Link
Macquarie rate card Download PDF
Macquarie residential home loans credit guidelines Download PDF
Contact sheet  Download PDF

Forms

Forms Link
Applicant Circumstance Change Declaration
Use this form to declare whether or not your circumstances have changed since your last home loan application.		 Download PDF
Application e-lodge support form
This form should be used instead when lodging applications for Macquarie home loans.		 Download PDF
Australia Post Land Title Verification of Identity Form Download PDF
Certificate of independent financial advice to borrowers
A certificate of independent legal and financial advice is required for all borrowers over 65 years old, or where specifically requested by Macquarie Bank.		 Download PDF
Certificate of independent financial advice to guarantors Download PDF
Certificate of independent legal advice to borrowers (NSW) Download PDF
Certificate of independent legal advice to borrowers (VIC, SA, QLD, NT, TAS, ACT and WA)  Download PDF
Certificate of independent legal advice to guarantors (NSW) Download PDF
Certificate of independent legal advice to guarantors (VIC, SA, QLD, NT, TAS, ACT and WA) Download PDF
Discharge Authority for Sale of Property and Loan Repaid
Use this form to give us instructions to complete either a full or partial discharge of your loan.		 Download PDF
Gift and loan declaration
This form may be used when the recipient will be receiving a monetary gift/loan to help with purchasing a property that will be provided as security to their loan application.		 Download PDF
Home loans identification form
Use this form to support the home loan application.		 Download PDF
Home loan repayment election form Download PDF
Home loan variation application - Loan purpose
Home loan variation form - Investment to owner-occupied and owner-occupied to investment.		 Download PDF
Home loan variation application - Repayment type and removal of a borrower
Use this form for principal increases, removing additional borrowers or guarantors, substituting current security property with a new property, or adding a new security property to your loan.		 Download PDF
Limit only transfer form
This form allows you to rebalance your account limits across your loan facility.		 Download PDF
Macquarie Credit Card Additional Cardholder Request Form Download PDF
Non-Applicant Statement of Position
This form is to be used when apportioning a joint commitment held with a non-applicant spouse (married or de facto) in the servicing calculation. It is not required when the joint commitment is being applied for concurrently through Macquarie.		 Download PDF
Power of Attorney form
Request to add or modify the power of attorney (POA).		 Download PDF
Progress payment form Download PDF
Redraw request Download PDF
Supporting Documents Checklists
This guide will provide you with a list of supporting documents required for the home loan application.		 Download PDF
Third-party authority form
Use this form to nominate a third party authority on the home loan or offset account.		 Download PDF
Verification of Identity (VOI) guidelines Download PDF
Withdrawal form - Electronic transfer
Home loan withdrawal form EFT.		 Download PDF

Flyers and brochures

Type of document Link
Basic home loan flyer
This flyer lists the features and benefits of our Basic home loan.		 Download PDF
Construction loan flyer
This flyer details our Construction loan feature of our Basic and Offset home loans.		 Download PDF
Credit cards key fact sheet
For all Macquarie Bank Mortgage Solutions (MBMS) applications where a credit card is requested. A Macquarie Credit Card Key Fact Sheet is required to be provided to all clients at the time of application.		 Download PDF
Offset home loan flyer
This flyer lists the features and benefits of our Offset home loan.		 Download PDF
Technical and post settlement variations flyer
This reference guide outlines the general information required for post settlement technical variations and maintenance requests post-settlement.		 Download PDF
Loan comparison flyer
This flyer outlines the main differences between home loans with a BSB starting with 183 and BSB starting with 182.		 Download PDF
Why choose Macquarie?
This flyer outlines some of the reasons why a Macquarie home loan could be a great choice for your clients.		 Download PDF

How to guides

How to guides Link
ApplyOnline - 2RM Validation Guide
This guide will assist you when you encounter a validation relating to second registered mortgages and cross collateral loans.		 Download PDF
ApplyOnline - Needs and objectives interview guide
This guide is designed to help you capture additional conversation points around your clients' needs and objectives.		 Download PDF
ApplyOnline - How to: Attach a single file (video)
This NextGen video shows you how to attach a single PDF file that covers one checklist item in the supporting documents service.		 Watch video
(00:58)
ApplyOnline - How to: Bulk upload a multi-page PDF (video)
This NextGen video shows you how to bulk upload one multi-page PDF that covers all conditions.		 Watch video
(00:49)
ApplyOnline - How to: Navigate the user interface (video)
This NextGen video shows you how to navigate the user interface of the supporting documents service.		 Watch video
(01:37)
ApplyOnline - How to: Redact and highlight (video)
This NextGen video shows you how to easily redact Tax File Numbers from supporting documents online.		 Watch video
(01:23)
ApplyOnline - How to: Self-verify documents (video)
This NextGen video shows you the mandatory and non-mandatory requirements of self-verify documents on the supporting documents service.		 Watch video
(00:49)
ApplyOnline – How to add a corporate trustee 
This guide will take you through how to capture trust details in ApplyOnline where a Company is acting on behalf of a Trust.		 Download PDF
ApplyOnline – How to add an individual trustee 
This guide will take you through how to capture trust details in ApplyOnline where Individual/s are acting on behalf of a Trust.		 Download PDF
AVM Guide
A guide to Automated Valuation Model (AVMs) ordering.		 Download PDF
Back Channel messages (BCMs)
This guide will help you update your details and activate your BCMs.		 Download PDF
Comprehensive Credit Report (CCR) guide Download PDF
Comprehensive Credit Reporting (CCR) checklist
Use our home loan assessment quick approval checklist to ensure you're equipped for enquiries relating to CCR.		 Download PDF
Cross collateral loan application submission guide
This guide will help you with submitting cross collateral loan applications.		 Download PDF
Downloading and Logging in the ApplyOnline App
This guide will instruct you how to locate and download the ApplyOnline mobile app.		 Download PDF
Emailing supporting documents
This guide will help you email supporting documents to Macquarie.		 Download PDF
Equifax IQ Connect password reset and Access Seeker reports
 Instructions on the IQ Connect password reset process and how to run an Equifax Apply (Access Seeker) report.		 Download PDF
Getting the fastest approval
This guide has been designed to help you get the fastest formal approval.		 Download PDF
Home loans credit guide
This is the credit guide for home loans provided by Macquarie.		 Download PDF
Home loans product guide
This guide consists of a product overview of our current Basic home loan and Offset home loan. It also provides an overview of the features and functionality of these products.		 Download PDF
How to read a credit report guide Download PDF
Living expenses guide
A guide to living expense collection requirements.		 Download PDF
LDF Fact Sheet
This fact sheet will assist borrowers with their understanding of low deposit fee when applying for a home loan		 Download PDF
Mature Age Borrower Loan Scenarios
This guide will assist with your understanding of our credit policy relating to mature age borrowing and exit strategies.		 Download PDF
Premium property policy summary
A one-page guide to premium property policy guidelines.		 Download PDF
Principal increase application submission guide
This guide will help you with submitting principal increase applications.		 Download PDF
Resubmitting applications in ApplyOnline
This guide will help you resubmit applications in ApplyOnline.		 Download PDF
Selecting an interest-only repayment option
This guide will help you understand your requirements when submitting an interest-only repayment option.		 Download PDF
Selecting products and features in ApplyOnline
This guide will help you select Macquarie products in ApplyOnline.		 Download PDF
Statutory declaration guide
We’ve created this guide to help you when a statutory declaration is required, and name discrepancies exist across your client’s identification documents. It outlines acceptable criteria for verification of identity to help streamline your submission experience.		 Download PDF
Submitting a data assess pre-approval
This guide will help you submit a data assess pre-approval.		 Download PDF
Submitting a Macquarie Home Loan
This guide will help you from submission through to settlement.		 Download PDF
Supporting Documents Checklists
This guide will help you locate the supporting documents checklists in Macquarie Access.		 Download PDF
Tips to speed up your application
This guide will help you with a smoother and faster application process.		 Download PDF
Variations reference guide
This reference guide outlines the general information required for post-settlement technical variations and maintenance requests post-settlement.		 Download PDF
Valuation Status Enquiry Tool - User Guide
This user guide show you how to use the Valuation Status Enquiry Tool to: attach supporting documentation; update contact details; request a client action; request a cancellation; and lodge a valuation query (dependent on lender settings). The Valuation Status Enquiry Tool can be accessed at valstatus.valex.com.au.		 Download PDF

For your clients

Large modern house

The Macquarie Refinancing Guide

A step-by-step guide for our clients who are refinancing.

Download the guide
 
City view of skyline

The Macquarie Investor Guide

Learn more about property investment with our in-depth guide.

Download the guide
 
Modern home with pool

Macquarie Property Insights Report

This report reveals recent trends in the local residential property market.

Download the report
 

Watch video

01:35

Woman smiling with laptop
 

Jul 26, 2018
Get the most out of your new home loan

Watch video

01:42

Macquarie online
 

Jul 26, 2018
Make budgeting a breeze with our smart tools

Watch video

02:10

Macquarie cards on the app
 

Jul 26, 2018
How to get started with your new account

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For your business

Watch video

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Justin Fabo
 
Mar 4, 2019

The Macquarie Perspective:

Justin Fabo on Australia’s property market outlook

 

Watch video

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Wendy Brown
 
Jun 3, 2019

The Macquarie Perspective:

Wendy Brown on what’s ahead for the broker industry

Watch video

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Mar 6, 2019

The Macquarie Perspective:

Tim Lawless on how the election might impact the housing market

Contact us

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1800 174 945

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Additional information

This information is provided by Macquarie Bank Limited ABN 46 008 583 542 Australian Credit Licence 237502 for the use of licensed and accredited brokers only. In no circumstances is it to be used by a potential client for the purposes of making a decision about a financial product or class of products.

‡

Excluding trust and construction loans.

1

You must be a member of the Qantas program to earn and redeem Qantas Points. A joining fee usually applies, however MBL has arranged for this to be waived if you are a new applicant for a home loan that includes a flyer feature and you apply for membership online at qantas.com/joinffmacquarieflyer. Membership and the earning and redemption of Qantas Points are subject to the Qantas terms and conditions available at qantas.com/terms. Qantas Points, offered by Macquarie Bank Limited (MBL), accrue and will be credited to your Qantas account in accordance with your Home Loan terms and conditions. You may not earn Qantas Points if you are in arrears or default under your loan agreement, or during the construction period of a loan. Macquarie is not responsible for the administration of the Qantas program. Qantas Airways Limited remains at all times solely responsible for the administration of the Qantas program. Qantas has made no enquiries as to the accuracy of the Macquarie products or services described, and is not responsible for errors or omissions.

*

The comparison rates are based on a loan for $150,000 and a term of 25 years. 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.

^

Fixed rate loans may be subject to significant break costs. Please refer your clients to their loan contracts for terms and conditions regarding break costs. At the end of the fixed rate period, the interest rate will revert to the discount variable rate applicable at that time.

Home loan information and interest rates are current as at 13 May 2022 for new loans only and are subject to change.