A home loan built on value

Basic home loan rates from

% p.a.

Variable rate*

% p.a.

Comparison rate

Variable* and comparison rate for new basic owner occupied loans with principal and interest repayments when borrowing up to 60% of the property value

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A home loan built on value

A low fee home loan with competitive rates. Great for first-home buyers, refinancers and investors.

Our low fee home loan

  • No application fee.
  • No monthly fee.
  • No account management fee.
  • Fee free redraw from your loan using online banking.

Flexible ways to repay 

  • Create up to six loan accounts with different rate and repayment types.
  • Digitally manage every aspect of your money, from tracking your spending to creating monthly budgets.

Credit cards

  • Waived annual fee for Platinum or Black credit card for the first year1.

Qantas Points

  • Opt in to receive Qantas Points on your home loan (different rates may apply)3.

Rates and fees

To find your rate, please select one of the below sections relevant to you. Rates are for new loans and are subject to change.

Interest rates

Owner occupier rates from

Rate Qualifier
2.34% pa Variable rate*, Principal and Interest
2.34% pa Comparison rate, Principal and Interest



Investment rates from

Rate Qualifier
2.49% pa Variable rate*, Principal and Interest
2.49% pa Comparison rate, Principal and Interest



Ongoing account fees

Fee type Fee amount
Application fee $0
Monthly fee $0
Annual fee


Other fees and charges may apply.

Rate types

Our available rate types

Rate type Availability
Variable rates Available
Fixed rates 1, 2, 3, 4, and 5 year fixed available5


Add an offset

Save using an offset account

Save using an 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.
  • Open up to 10 offset accounts per loan account.
  • Plus get a linked Debit Mastercard® for everyday transacting.
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Add a credit card

Everyday banking to save as you spend

Everyday banking to save as you spend

Apply for our award-winning~ credit card as part of your home loan package to earn Macquarie rewards points. If you add a transaction account you’ll also get access to ongoing discounts of up to 10% on a wide range of eGift cards with Macquarie Marketplace.

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Home loan package

More than just a home loan

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.

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Get an answer, faster

Fast turnaround times

Fast turnaround times

Need to move quickly? With a straightforward application process and faster turnaround times, you can enjoy peace of mind knowing you’ll get a timely response on the status of your loan.

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Dedicated help

Stay informed throughout the process

Stay informed throughout the process

We know applying for a home loan can be stressful, that’s why we keep you up to date with emails and calls from your dedicated home loan specialist. If you have any questions along the way, our team is there to help you find the right home loan to suit your circumstances.

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"We're good borrowers, so our home loan is with Macquarie."
George and Celeste
Please update me

Additional information

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.

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.


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.


Please refer to your financial table for credit card annual fees if you discharge your loan with us. Other fees and charges may apply.


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.


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


We will refund fees charged to you by domestic ATM operators in connection with domestic ATM transactions, but you’ll need to pay any other fee that you’re charged by any international ATM operator.


Fixed rate loans may be subject to significant break costs. Please refer to your loan contract and terms for details of break costs applicable. At the end of the fixed rate period, the loan rate will revert to the variable interest rate detailed in your loan contract, as applicable at that time. Offset accounts cannot be linked to loan accounts with a fixed interest rate and you must have a variable rate loan account with a minimum balance of $20,000 to qualify for a fixed rate.


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

Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Pay, Google Chrome and the Google Logo are trademarks of Google LLC.

Information and interest rates are current as at 12 May 2021 for new loans only and are subject to change.

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