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Home loan products

Macquarie Rate Card

Macquarie home loans terms & conditions

Offset home loan
Basic home loan

Offset home loan

In this section

Owner occupied with principal and interest repayments

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
≤ 60%	2.49% pa	2.76% pa	2.54% pa	2.81% pa
≤ 70%	2.54% pa	2.81% pa	2.59% pa	2.86% pa
≤ 80%	2.64% pa	2.91% pa	2.69% pa	2.96% pa
≤ 90%	3.04% pa	3.31% pa	3.09% pa	3.35% pa
≤ 95%	3.36% pa	3.62% pa	3.41% pa	3.67% pa

Investment P&I

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
≤ 60%	2.69% pa	2.96% pa	2.74% pa	3.01% pa
≤ 70%	2.79% pa	3.06% pa	2.84% pa	3.11% pa
≤ 80%	2.89% pa	3.16% pa	2.94% pa	3.21% pa
≤ 90%	3.85% pa	4.10% pa	3.90% pa	4.15% pa

Variable rates

Owner occupied with principal and interest repayments

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
≤ 60%	2.49% pa	2.76% pa	2.54% pa	2.81% pa
≤ 70%	2.54% pa	2.81% pa	2.59% pa	2.86% pa
≤ 80%	2.64% pa	2.91% pa	2.69% pa	2.96% pa
≤ 90%	3.04% pa	3.31% pa	3.09% pa	3.35% pa
≤ 95%	3.36% pa	3.62% pa	3.41% pa	3.67% pa

Investment P&I

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
≤ 60%	2.69% pa	2.96% pa	2.74% pa	3.01% pa
≤ 70%	2.79% pa	3.06% pa	2.84% pa	3.11% pa
≤ 80%	2.89% pa	3.16% pa	2.94% pa	3.21% pa
≤ 90%	3.85% pa	4.10% pa	3.90% pa	4.15% 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%	2.09% pa	2.78% pa	2.14% pa	2.82% pa
≤ 80%	2.09% pa	2.86% pa	2.14% pa	2.91% pa
≤ 95%	2.59% pa	3.55% pa	2.64% pa	3.60% pa
2 year fixed rate^{^}
≤ 70%	2.09% pa	2.74% pa	2.14% pa	2.79% pa
≤ 80%	2.09% pa	2.82% pa	2.14% pa	2.87% pa
≤ 95%	2.59% pa	3.49% pa	2.64% pa	3.54% pa
3 year fixed rate^{^}
≤ 70%	2.09% pa	2.70% pa	2.14% pa	2.75% pa
≤ 80%	2.19% pa	2.80% pa	2.24% pa	2.85% pa
≤ 95%	2.59% pa	3.43% pa	2.64% pa	3.48% pa
4 year fixed rate^{^}
≤ 70%	2.49% pa	2.80% pa	2.54% pa	2.85% pa
≤ 80%	2.59% pa	2.90% pa	2.64% pa	2.95% pa
≤ 95%	2.79% pa	3.44% pa	2.84% pa	3.48% pa
5 year fixed rate^{^}
≤ 70%	2.49% pa	2.79% pa	2.54% pa	2.84% pa
≤ 80%	2.59% pa	2.89% pa	2.64% pa	2.94% pa
≤ 95%	2.79% pa	3.40% pa	2.84% pa	3.45% pa

Investment with principal and interest repayments

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
1 year fixed rate^{^}
≤ 70%	2.39% pa	3.02% pa	2.44% pa	3.07% pa
≤ 80%	2.49% pa	3.12% pa	2.54% pa	3.17% pa
≤ 90%	3.14% pa	4.04% pa	3.19% pa	4.09% pa
2 year fixed rate^{^}
≤ 70%	2.39% pa	2.99% pa	2.44% pa	3.04% pa
≤ 80%	2.49% pa	3.09% pa	2.54% pa	3.14% pa
≤ 90%	3.14% pa	3.98% pa	3.19% pa	4.03% pa
3 year fixed rate^{^}
≤ 70%	2.39% pa	2.96% pa	2.44% pa	3.01% pa
≤ 80%	2.59% pa	3.08% pa	2.64% pa	3.13% pa
≤ 90%	3.14% pa	3.92% pa	3.19% pa	3.97% pa
4 year fixed rate^{^}
≤ 70%	2.69% pa	3.03% pa	2.74% pa	3.08% pa
≤ 80%	2.79% pa	3.13% pa	2.84% pa	3.17% pa
≤ 90%	2.99% pa	3.82% pa	3.04% pa	3.87% pa
5 year fixed rate^{^}
≤ 70%	2.69% pa	3.02% pa	2.74% pa	3.07% pa
≤ 80%	2.79% pa	3.12% pa	2.84% pa	3.17% pa
≤ 90%	2.99% pa	3.76% pa	3.04% pa	3.81% 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

In this section

Owner occupied with principal and interest repayments

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
≤ 60%	2.49% pa	2.49% pa	2.54% pa	2.54% pa
≤ 70%	2.54% pa	2.54% pa	2.59% pa	2.59% pa
≤ 80%	2.64% pa	2.64% pa	2.69% pa	2.69% pa
≤ 90%	3.04% pa	3.04% pa	3.09% pa	3.09% pa
≤ 95%	3.36% pa	3.36% pa	3.41% pa	3.41% pa

Investment P&I

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
≤ 60%	2.69% pa	2.69% pa	2.74% pa	2.74% pa
≤ 70%	2.79% pa	2.79% pa	2.84% pa	2.84% pa
≤ 80%	2.89% pa	2.89% pa	2.94% pa	2.94% pa
≤ 90%	3.85% pa	3.85% pa	3.90% pa	3.90% pa

Variable rates

Owner occupied with principal and interest repayments

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
≤ 60%	2.49% pa	2.49% pa	2.54% pa	2.54% pa
≤ 70%	2.54% pa	2.54% pa	2.59% pa	2.59% pa
≤ 80%	2.64% pa	2.64% pa	2.69% pa	2.69% pa
≤ 90%	3.04% pa	3.04% pa	3.09% pa	3.09% pa
≤ 95%	3.36% pa	3.36% pa	3.41% pa	3.41% pa

Investment P&I

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
≤ 60%	2.69% pa	2.69% pa	2.74% pa	2.74% pa
≤ 70%	2.79% pa	2.79% pa	2.84% pa	2.84% pa
≤ 80%	2.89% pa	2.89% pa	2.94% pa	2.94% pa
≤ 90%	3.85% pa	3.85% pa	3.90% pa	3.90% 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%	2.09% pa	2.50% pa	2.14% pa	2.55% pa
≤ 80%	2.09% pa	2.59% pa	2.14% pa	2.64% pa
≤ 95%	2.59% pa	3.29% pa	2.64% pa	3.34% pa
2 year fixed rate^{^}
≤ 70%	2.09% pa	2.46% pa	2.14% pa	2.51% pa
≤ 80%	2.09% pa	2.55% pa	2.14% pa	2.60% pa
≤ 95%	2.59% pa	3.23% pa	2.64% pa	3.28% pa
3 year fixed rate^{^}
≤ 70%	2.09% pa	2.43% pa	2.14% pa	2.48% pa
≤ 80%	2.19% pa	2.53% pa	2.24% pa	2.58% pa
≤ 95%	2.59% pa	3.16% pa	2.64% pa	3.21% pa
4 year fixed rate^{^}
≤ 70%	2.49% pa	2.52% pa	2.54% pa	2.57% pa
≤ 80%	2.59% pa	2.62% pa	2.64% pa	2.67% pa
≤ 95%	2.79% pa	3.17% pa	2.84% pa	3.22% pa
5 year fixed rate^{^}
≤ 70%	2.49% pa	2.52% pa	2.54% pa	2.57% pa
≤ 80%	2.59% pa	2.62% pa	2.64% pa	2.67% pa
≤ 95%	2.79% pa	3.13% pa	2.84% pa	3.18% pa

Investment with principal and interest repayments

LVR	Interest rate	Comparison rate^*	Qantas Flyer rate¹	Comparison rate^*
1 year fixed rate^{^}
≤ 70%	2.39% pa	2.75% pa	2.44% pa	2.80% pa
≤ 80%	2.49% pa	2.85% pa	2.54% pa	2.90% pa
≤ 90%	3.14% pa	3.78% pa	3.19% pa	3.83% pa
2 year fixed rate^{^}
≤ 70%	2.39% pa	2.72% pa	2.44% pa	2.77% pa
≤ 80%	2.49% pa	2.82% pa	2.54% pa	2.87% pa
≤ 90%	3.14% pa	3.72% pa	3.19% pa	3.77% pa
3 year fixed rate^{^}
≤ 70%	2.39% pa	2.69% pa	2.44% pa	2.74% pa
≤ 80%	2.59% pa	2.82% pa	2.64% pa	2.87% pa
≤ 90%	3.14% pa	3.67% pa	3.19% pa	3.72% pa
4 year fixed rate^{^}
≤ 70%	2.69% pa	2.76% pa	2.74% pa	2.81% pa
≤ 80%	2.79% pa	2.86% pa	2.84% pa	2.91% pa
≤ 90%	2.99% pa	3.56% pa	3.04% pa	3.61% pa
5 year fixed rate^{^}
≤ 70%	2.69% pa	2.75% pa	2.74% pa	2.80% pa
≤ 80%	2.79% pa	2.85% pa	2.84% pa	2.90% pa
≤ 90%	2.99% pa	3.50% pa	3.04% pa	3.55% 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

Tools

Tool	Link
Contact sheet	Download PDF
Macquarie Rate card	Download PDF
Macquarie residential home loans credit guidelines	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
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
Privacy consent and disclosure form Privacy Consent and Disclosure (Borrowers and Guarantors) form which gives consent to collect and review credit information.	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 032 and BSB starting with 182.	Download PDF

How to guides

How to guides	Link
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)
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
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
How to submit a principal increase (video) This video will take you through the criteria your loan must satisfy to qualify for a principal increase and take you through the application process, step-by-step.	Watch video (02:10)
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
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
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

The Macquarie Refinancing Guide

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

Download the guide

The Macquarie Investor Guide

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

Download the guide

Macquarie Property Insights Report

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

Download the report

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

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

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

For your business

Mar 4, 2019

The Macquarie Perspective:

Justin Fabo on Australia’s property market outlook

Jun 3, 2019

The Macquarie Perspective:

Wendy Brown on what’s ahead for the broker industry

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

Home loans

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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.

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 brokers

We're with you, every step of the way

Thanks for your support

Home loan products

Offset home loan

Owner occupied with principal and interest repayments

Investment P&I

Variable rates

Owner occupied with principal and interest repayments

Investment P&I

Fixed rates

Owner Occupied with principal and interest repayments

Investment with principal and interest repayments

Ongoing account fees

Basic home loan

Owner occupied with principal and interest repayments

Investment P&I

Variable rates

Owner occupied with principal and interest repayments

Investment P&I

Fixed rates

Owner Occupied with principal and interest repayments

Investment with principal and interest repayments

Ongoing account fees

Useful resources

Calculators

Tools

Forms

Flyers and brochures

How to guides

For your clients

The Macquarie Refinancing Guide

The Macquarie Investor Guide

Macquarie Property Insights Report

8 things savvy first-home buyers do before they buy property

The four things savvy savers do to fast track their first home purchase

The nine things switched-on first-home buyers get right

When you should consider refinancing your home loan – and when to stay put

Three ways you can make your home equity work for you

Don’t let these refinancing myths stop you from getting a better home loan

Is now the right time for you to refinance your home?

Ready to renovate your home? Here’s how you can finance it

Is it time to renovate your property… or move home?

Your property buying A-team

Property hunter tools and calculators to put you "in the know"

A guide to buying property at auction

Six things to do before you invest in property

6 property negotiation tips you need to know

For your business

The Macquarie Perspective:

Justin Fabo on Australia’s property market outlook

The Macquarie Perspective:

Wendy Brown on what’s ahead for the broker industry

The Macquarie Perspective:

Tim Lawless on how the election might impact the housing market

Contact us

Home loans

Get in touch

Additional information