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Home loans
With great rates, low fees and fast approval times, more good borrowers are choosing a Macquarie home loan.
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Variable rate home loans from
Enjoy the flexibility to pay off your loan sooner with a variable rate home loan. Combine your loan with offset accounts, so your savings can work to reduce the interest you pay.
“We’re able to offset against our mortgage and save more money" - Exarhos family
Fixed rate home loans from
Lock in certainty on monthly repayments. Your repayments will stay the same throughout the fixed loan term, making it easier to manage your cash flow. Fixed rates are available for 1–5 year terms.
“We were able to lock in a fair and competitive rate” - Laura
More home loan options
Add an offset
An offset account will allow your savings to reduce the amount of interest you pay on the variable portion of your loan.
Split home loan
Divide your home loan into multiple accounts, so you can take advantage of the benefits of both fixed and variable loan accounts.
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Why Macquarie?
Fast turnaround times
With a straightforward application process and fast turnaround times, you'll get a timely response on the status of your loan.
Exceptional service
We'll keep you informed and up to date throughout the process. And if you need any help along the way, our home loan specialists are available to answer any questions.
Great rates and low fees
Macquarie home loans are built on great value. Our competitive rates and low fees help you pay off your home loan faster.
MFAA National Major Lender of the Year 2023
Applying online is easy
Submit your application in a few simple steps. Apply if you are 18 years or older and a permanent resident of Australia.
Get a quick quote
3 minutes
Answer a few simple questions and we’ll provide a tailored quote with your rate and repayments.
Continue to apply online
15 minutes
Provide information about you, your property, what you earn and what you owe.
Get an answer fast
Once you’ve submitted your application, one of our friendly banking specialists will review it and get in touch to answer any questions and guide you through the next steps.
Talk to a home loan specialist
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Additional information
This information is provided by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and T&Cs apply.
Variable interest rate and comparison rate for basic owner-occupied home loans with principal and interest repayment. Rate applies for new loans when you borrow up to 60% of the property value with a principal and interest repayment variable rate loan. Subject to change without notice.
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.
2 year fixed rate° and comparison rate‡ for basic owner-occupied home loans with principal and interest repayments. Rate applies for new loans when you borrow up to 70% of the property value with a principal and interest repayment fixed rate loan. Subject to change without notice.
Fixed rate loans may be subject to significant break costs. Please refer to the 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 17 November 2023 for new loans only and are subject to change.