- Owner occupied rates
- Investment property rates
Principal and interest repayments
| LVR# | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 1 year fixed rate° | ||||
| ≤ 70% | 2.24% pa | 2.19% pa | 2.24% pa | 2.47% pa |
| ≤ 80% | 2.24% pa | 2.24% pa | 2.24% pa | 2.52% pa |
| ≤ 95% | 2.74% pa | 2.99% pa | 2.74% pa | 3.25% pa |
| 2 year fixed rate° | ||||
| ≤ 70% | 2.74% pa | 2.28% pa | 2.74% pa | 2.56% pa |
| ≤ 80% | 2.74% pa | 2.32% pa | 2.74% pa | 2.60% pa |
| ≤ 95% | 3.24% pa | 3.05% pa | 3.24% pa | 3.31% pa |
| 3 year fixed rate° | ||||
| ≤ 70% | 3.09% pa | 2.41% pa | 3.09% pa | 2.69% pa |
| ≤ 80% | 3.14% pa | 2.46% pa | 3.14% pa | 2.74% pa |
| ≤ 95% | 3.91% pa | 3.24% pa | 3.91% pa | 3.50% pa |
| 4 year fixed rate° | ||||
| ≤ 70% | 3.29% pa | 2.54% pa | 3.29% pa | 2.81% pa |
| ≤ 80% | 3.34% pa | 2.59% pa | 3.34% pa | 2.86% pa |
| ≤ 95% | 4.11% pa | 3.37% pa | 4.11% pa | 3.63% pa |
| 5 year fixed rate° | ||||
| ≤ 70% | 3.49% pa | 2.69% pa | 3.49% pa | 2.96% pa |
| ≤ 80% | 3.54% pa | 2.74% pa | 3.54% pa | 3.01% pa |
| ≤ 95% | 4.31% pa | 3.53% pa | 4.31% pa | 3.78% pa |
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest
Principal and interest repayments
| LVR# | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 1 year fixed rate° | ||||
| ≤ 70% | 2.54% pa | 2.40% pa | 2.54% pa | 2.68% pa |
| ≤ 80% | 2.64% pa | 2.50% pa | 2.64% pa | 2.78% pa |
| ≤ 90% | 3.29% pa | 3.25% pa | 3.29% pa | 3.52% pa |
| 2 year fixed rate° | ||||
| ≤ 70% | 3.04% pa | 2.50% pa | 3.04% pa | 2.77% pa |
| ≤ 80% | 3.14% pa | 2.60% pa | 3.14% pa | 2.87% pa |
| ≤ 90% | 3.79% pa | 3.34% pa | 3.79% pa | 3.60% pa |
| 3 year fixed rate° | ||||
| ≤ 70% | 3.29% pa | 2.61% pa | 3.29% pa | 2.88% pa |
| ≤ 80% | 3.39% pa | 2.71% pa | 3.39% pa | 2.98% pa |
| ≤ 90% | 4.15% pa | 3.48% pa | 4.15% pa | 3.74% pa |
| 4 year fixed rate° | ||||
| ≤ 70% | 3.49% pa | 2.74% pa | 3.49% pa | 3.01% pa |
| ≤ 80% | 3.59% pa | 2.84% pa | 3.59% pa | 3.11% pa |
| ≤ 90% | 4.35% pa | 3.61% pa | 4.35% pa | 3.87% pa |
| 5 year fixed rate° | ||||
| ≤ 70% | 3.69% pa | 2.90% pa | 3.69% pa | 3.16% pa |
| ≤ 80% | 3.79% pa | 3.00% pa | 3.79% pa | 3.26% pa |
| ≤ 90% | 4.55% pa | 3.77% pa | 4.55% pa | 4.02% pa |
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest
Features and benefits
Secure a great rate
Safeguard against possible interest rate rises with a fixed interest rate on your home loan. Locking in a fixed rate today could save you money on interest repayments in the future.
Budget with confidence
Have peace of mind knowing your repayments will stay the same throughout the fixed interest term, making it easier to budget and manage your cash flow.
Interest rate discount
Don’t get stung with a high variable rate at the end of your fixed term. With a Macquarie fixed interest rate, you’ll roll off onto a competitive variable rate when your fixed interest rate term ends.
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.
Flexible loan options
With flexible loan options, you can tailor your loan to make your money work for you.
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.
Talk to a home loan specialist
Our team of dedicated home loan specialists are ready to talk through your home loan needs.
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 home loans with principal and interest repayment fixed rate when you borrow up to 70% of the property value. Subject to change without notice.
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.
Home loan information and interest rates are current as at 22 November 2021 for new loans only and are subject to change.
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 your use of the calculator. The information in the calculator does not constitute an offer to lend or imply the product is suitable for you.
Open up to 10 offset accounts per loan account if you have an individual or joint borrower home loan. Company and trust borrowers can open up to 4 offset accounts which must be opened at 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.
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.