What's our home loan credit policy?

To help you understand our home loan credit policy, including who we’ll lend to and what we’ll provide lending for, we’ve outlined our credit guidelines in the Macquarie Residential Home Loans Credit Guidelines

For more on who and what we finance, also see our Broker Help Centre articles on:

What calculators are available to assist with preparing an application?

We provide calculators for you to assist with preparing a Macquarie home loan application, including:

Serviceability calculator

The Macquarie Serviceability Calculator has our credit policy rules in-built to provide you greater confidence about your customer’s ability to service the loan when you submit the application. It should only be completed for:

You should also attach a printout of the calculator with the application in ApplyOnline.

Download the Macquarie Serviceability Calculator to get started.

Low Deposit Fee calculator

Our Low Deposit Fee (LDF) is typically charged where a home loan application exceeds 80% loan to value ratio (LVR). The fee is calculated based on the LVR, the loan amount and the loan purpose. For more information, see Understanding the Low Deposit Fee.

Download the Macquarie Low Deposit Fee Calculator to calculate the indicative fee amount.

Stamp Duty calculator

Use our Stamp Duty calculator to understand the indicative stamp duty and government fees for your customer’s purchase. Enter the property value, the state, property use purpose, property description and whether your customer is a first home buyer.

Who can I contact to work through a loan scenario?

Once you’ve searched and reviewed information on our Broker Help Centre and the Macquarie Residential Home Loans Credit Guidelines, if there is a scenario you aren’t sure about, you can contact your Business Development Manager (BDM).

Log in to Broker Portal

Track your applications, view our processing times and easily access your existing customer's loan details, all within Macquarie Broker Portal.

Search Broker Help Centre

Find answers faster to your everyday queries with Broker Help Centre. Search by keywords or by category to find exactly what you need, when you need it.

Meet the team

Our BDM team provides you and your customers with world-class service and the support you need throughout the home loan journey. Get to know the BDMs in your state today.