Understanding recent home loan repayment and interest rate changes

Following the RBA’s decision on 17 March 2026 to increase the official cash rate by 0.25%, variable home loan reference rates will change on 2 April 2026. 

When your new interest rate will become visible in the app and in online banking will depend on your loan's BSB number.

If you have a Home Loan account with a BSB starting with 182: 

• You can check your new rate in the Macquarie Mobile Banking app or Macquarie Online Banking from 2 April 2026.

If you have a Home Loan account with a BSB starting with 183: 

• You can check for your new rate in the Macquarie Mobile Banking app or Macquarie Online Banking the day following 2 April 2026.

Please see Understanding your home loan interest for more information on how to view your interest rate through Macquarie Online Banking and the Macquarie Mobile Banking app.

• For Principal and Interest repayments your first monthly repayment that falls within 30 days after 2 April 2026 will remain the same, and your repayments will change the following month. We will email or send you a letter with your new repayment amount in advance of the change.
• For Interest Only repayments your first repayment after 2 April 2026 will change.  

There will be no change to Fixed Loan repayments or interest rates during the fixed term.

Your new rate will be displayed via the Macquarie Mobile Banking app and Macquarie Online Banking on or after the effective date of the change.  

Your repayments will also be recalculated. For repayments that are direct debited, you’re not required to do anything. We’ll automatically adjust your direct debit amount to your new repayment amount. Please see Making extra repayments on your home loan for more information if you would like to pay above your minimum contractual repayment.