Great home loans for good borrowers

You could benefit from a more rewarding home loan. Enjoy great rates, low fees and flexible ways to repay faster. 
"Macquarie has a great rate, we felt it was built for us."
Exarhos family
Add an offset account

Save using your offset account

  • Our offset account allows you to pay off your loan faster by using your savings to reduce the amount of interest you pay.
  • Get free access to any rediATM in Australia and enjoy a refund on fees incurred at all other ATMs in Australia. Plus, when you shop online or in-store oversease with your Debit Mastercard®, we won't charge you any international purchase fees3.
A family playing together in their lounge room with one of the young girls playing with toys.
Added security

Protect your account and personal information

  • The Macquarie Authenticator app provides an extra layer of security that helps protect your account and personal information and is our most secure way to authenticate.
  • It's a mobile app that sends actionable push notifications for you to approve or deny online transactions and account activity. There’s also an option to generate a unique one-time rolling code as an alternative authentication method.
A person in a cafe close up shot of their hand holding a phone with the Macquarie authenticator app open
Add a credit card

Package a credit card with your home loan

  • One way to make the most of your offset home loan is to use your accompanying credit card for your day-to-day purchases2.
  • When you keep savings in your offset account and pay off your credit card balance in full before your interest free period ends, you could minimise both the amount of interest you pay on your home loan and the interest you pay on purchases2.
  • When you shop online or in-store overseas with your credit card, we won't charge you any international purchase fees3.
Woman sitting in a large modern luxurious living room facing the ocean on her pphone
Home loan package

More than just a home loan

Our offset home loan package gives you a flexible loan structure and great rate. It includes an award-winning~ credit card and transaction account so you can get more than just a home loan.

Middle aged man in a cafe holding a credit/debit card in his hand with a laptop and phone in front of him
Budgeting and saving

Tools for budgeting and saving

  • With our digital tools you can get an overall view of your cash flow so you can feel confident in knowing exactly where you’re putting your money.
  • Use our smart budgeting tools to help you stay on top of your finances – you can get a snapshot of your spending habits, set monthly budgets and categorise payments to help you have full visibility of your financial position all in the one place.
A hand holding a phone (iPhone X) with the Macquarie app open showing the spending and budgeting feature
A same-sex couple with their child looking at a laptop in their kitchen.

Home loan calculators

All the tools and mortgage calculators you need to help you budget and plan ahead. Calculate your home loan repayments, stamp duty costs, how much you could borrow, and how much you could save by refinancing.

How to apply

You can request a call online or give us a call on 13 62 27 to speak with a home loan specialist.


Apply if you

  • are 18 years old or over,
  • are a permanent resident of Australia.

What's next?

As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated home loan specialist.

"Part of who we are is being good with money, and that’s why we chose our home loan with Macquarie."
Exarhos family
Exarhos family

New clients

Monday to Friday 8am – 6pm (Sydney time)

13 62 27

Existing clients

Monday to Friday 8am – 6pm (Sydney time)

1800 007 722

Help and support

Visit our online Help Centre.

Additional information


The information in this calculator is by way of example only and is not a prediction or professional financial advice. Calculations are not forecasts, but may assist you in making your own projections. Subject to law, Macquarie will not be liable for any loss or damage caused by you use of the calculator. The information in the calculator does not consitute an offer to lend or imply the product is suitable for you.


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.


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 Membership and the earning and redemption of Qantas Points are subject to the Qantas terms and conditions available at 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.


Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply. Allow up to 10 working days to process your application.


We don’t charge fees for card purchases or transactions made or processed outside Australia but others, such as the banks of international merchants, might.


The calculations are based on a principal and interest repayment type only. Principal and interest repayments are calculated based on the loan term, interest rate and loan limit.


This information is provided by Macquarie Bank 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.


Macquarie Bank Basic and Offset home loans are issued by Macquarie and are not Qantas products nor are they offered or issued by Qantas. Qantas has made no enquiries as to the accuracy of the Macquarie products or services described, and is not responsible for errors or omissions.


Our credit cards are 5-star Canstar rated for Outstanding Value Travel Credit Card for 2019/2020.


Our cards are 5-star Canstar rated for Outstanding Value Travel Credit Card and Outstanding Value Travel Debit Card for 2019/2020.

Our debit card is 5-star Canstar rated for Outstanding Value Travel Debit Card for 2019/2020.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Information and interest rates are current as at 28 May 2020 and are subject to change.