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Looking to buy a home, refinance or invest in property? Choose the home loan designed with good borrowers in mind.
With a Macquarie Home Loan you can expect great value. Find the best rate for you whether you're buying, refinancing or investing.
Variable rates from
Interest rate*
How much are my repayments?
Calculate your interest rate and work out how much your monthly repayments could be.
How much is my stamp duty payment?
Calculate how much you'll pay in government charges based on the amount you plan to borrow.
Make your money work harder by reducing interest when you deposit money into your offset accounts.
You can easily open up to 10 offsets per loan account in our award-winning app^ to keep your money organised without the hassle of paperwork or phone calls†.
Take advantage of both fixed and variable interest rates by splitting your loan into multiple accounts - get the certainty of a fixed rate and flexibility of a variable rate.
Split your loan easily with no fees when you apply online. View all your rate and repayment details through the app.
Apply in 15-30 minutes
Pre-approval gives you greater confidence that you’re looking at the right type of properties and it will enable you to act quickly when you find ‘the one’.
The refinance process for each lender may be different. To refinance to a Macquarie home loan, you can apply online or speak to one of our specialists. For more information on the process, visit our help centre.
Having multiple offset accounts can help you to bucket your savings. This can help you manage your budget if you're saving for a few big things (like another property, a holiday, a wedding or a new car).
Having multiple offset accounts linked to your home loan ensures that all of your savings are working towards reducing the interest paid on your home loan.
It is important to note that if your offset account balance exceeds your home loan account balance, you won’t be paid interest on the excess amount. This excess amount also is not offsetting any interest payable on your home loan account.
To help you complete your home loan application, make sure you have the following information on hand:
You can start your application now, save your progress, and come back to it later if you need more time or additional information
The rates shown in the application are accurate based on the information provided and as at the time of applying. All rates are subject to approval and may vary depending on a formal valuation of your property or other rate changes announced during the application process.
Redraw is a product feature which typically allows you to access some or all of the additional repayments that you’ve made on your home loan over and above the minimum required repayments.
Redraw is a product feature enabled on most home loan products except for:
Your redraw balance may change over time depending on several factors, including:
The below is an example explaining how redraw works where an extra payment has been made and the repayment amount has not changed on the home loan.
Sarah has a $300,000 home loan with a 30-year term. 10 years into her loan she makes an extra payment of $50,000. Her repayment amount does not change, and the extra payment she's made means she is paying less interest on her home loan. This results in Sarah paying off her home loan sooner. Because Sarah has maintained her repayments at the same amount, she can access her redraw balance throughout most of the loan term.
However, as the loan approaches its scheduled end date, the available redraw will start reducing. These funds will be actively applied over time to reduce the outstanding loan principal, rather than being taken as a single lump sum. If Sarah had $50,000 remaining on her loan limit and $50,000 available in redraw, her scheduled monthly repayment would not be debited. Instead, the redraw funds would effectively cover the remaining loan balance, eventually bringing the loan to $0. This ensures that the home loan is fully paid off by the end of its term.
For more information on how to check your redraw balance or accessing it on Macquarie Online Banking, visit Macquarie Help Centre.
If you would like to split your existing Macquarie home loan, please visit our Help Centre.
If you would like to apply for a new Macquarie split home loan, submit your application online.
We offer two home loan products: the basic home loan facility, and the offset home loan facility. With Macquarie, you can use one or multiple properties as security for your home loan, with a single loan balance limit. We call this a facility structure.
For example, if you have an owner occupied property as well as an investment property, you only need to open one facility, instead of two. This means you’ll avoid paying multiple sets of fees and gives you greater flexibility to tailor your loan set up.
We want to ensure your home loan is set up in a way that works for you and that’s why we’ve designed this step-by-step guide so you can feel confident understanding how Macquarie Home Loans work and what features are right for you.
Quickly search and find the answer to common questions to manage your home loan.
You can contact us anytime via Q in the Macquarie Mobile Banking app or Macquarie Online Banking.
This information is provided by Macquarie Bank Limited ABN 46 008 583 542 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.
Our digital banking platforms are part of why we were awarded Money Magazine’s Bank of the Year 2023/2024.
Open and link up to 10 offset accounts per variable rate loan account for single or joint borrowers (up to 4 offset accounts per variable rate loan account can be requested at application stage). Company and trust borrowers can open up to 4 offset accounts which must be opened at application.
Due to state and territory laws, restrictions may apply to digitally signing the Mortgage Form.
Home loan information and interest rates are current as at 15 January 2026 for new loans only and are subject to change.
