New home loan fixed rates

3 year fixed rates from

2.09
% p.a.

Fixed rate

2.32
% p.a.

Comparison rate

3 year fixed rate° and comparison rate for basic owner-occupied home loans with principal and interest repayments** when borrowing up to 70% of the property value

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Home loan rates

Rates apply to new loans. To find your rate, please select one of the below sections relevant to you.

Owner occupied fixed rates

3 year fixed rates from

2.09
% p.a.

Interest rate

2.32
% p.a.

Comparison rate

3 year fixed rate° and comparison rate for basic owner-occupied home loans with principal and interest repayments**

Principal and interest rates

Principal and interest repayments

LVR# Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
1 year fixed rate°
≤ 70% 2.09% pa 2.36% pa 2.09% pa 2.64% pa
≤ 80% 2.09% pa 2.46% pa 2.09% pa 2.73% pa
≤ 90% 2.59% pa 3.15% pa 2.59% pa 3.42% pa
2 year fixed rate°
≤ 70% 2.09% pa 2.34% pa 2.09% pa 2.62% pa
≤ 80% 2.09% pa 2.42% pa 2.09% pa 2.70% pa
≤ 90% 2.59% pa 3.10% pa 2.59% pa 3.37% pa
3 year fixed rate°
≤ 70% 2.09% pa 2.32% pa 2.09% pa 2.59% pa
≤ 80% 2.19% pa 2.42% pa 2.19% pa 2.69% pa
≤ 90% 2.59% pa 3.05% pa 2.59% pa 3.32% pa
4 year fixed rate°
≤ 70% 2.69% pa 2.49% pa 2.69% pa 2.76% pa
≤ 80% 2.79% pa 2.59% pa 2.79% pa 2.86% pa
≤ 90% 2.99% pa 3.14% pa 2.99% pa 3.40% pa
5 year fixed rate°
≤ 70% 2.79% pa 2.55% pa 2.79% pa 2.82% pa
≤ 80% 2.89% pa 2.65% pa 2.89% pa 2.92% pa
≤ 90% 3.09% pa 3.16% pa 3.09% pa 3.43% pa

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

 

Interest only rates

Interest only repayments

LVR# Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
1 year fixed rate°
≤ 70% 2.94% pa 2.89% pa 2.94% pa 3.16% pa
≤ 80% 3.24% pa 3.06% pa 3.24% pa 3.32% pa
≤ 90% n/a n/a n/a n/a
2 year fixed rate°
≤ 70% 2.94% pa 2.90% pa 2.94% pa 3.17% pa
≤ 80% 3.24% pa 3.07% pa 3.24% pa 3.34% pa
≤ 90% n/a n/a n/a n/a
3 year fixed rate°
≤ 70% 2.94% pa 2.90% pa 2.94% pa 3.17% pa
≤ 80% 3.24% pa 3.09% pa 3.24% pa 3.35% pa
≤ 90% n/a n/a n/a n/a
4 year fixed rate°
≤ 70% 2.94% pa 2.91% pa 2.94% pa 3.17% pa
≤ 80% 3.24% pa 3.11% pa 3.24% pa 3.37% pa
≤ 90% n/a n/a n/a n/a
5 year fixed rate°
≤ 70% 2.94% pa 2.91% pa 2.94% pa 3.18% pa
≤ 80% 3.24% pa 3.12% pa 3.24% pa 3.38% pa
≤ 90% n/a n/a n/a n/a

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

 

Investment fixed rates

3 year fixed rates from

2.39
% p.a.

Interest rate

2.47
% p.a.

Comparison rate

3 year fixed rate° and comparison rate for basic investor home loans with principal and interest repayment**

Principal and interest rates

Principal and interest repayments

LVR# Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
1 year fixed rate°
≤ 70% 2.39% pa 2.48% pa 2.39% pa 2.76% pa
≤ 80% 2.49% pa 2.67% pa 2.49% pa 2.94% pa
≤ 95% 3.14% pa 3.42% pa 3.14% pa 3.68% pa
2 year fixed rate°
≤ 70% 2.39% pa 2.47% pa 2.39% pa 2.75% pa
≤ 80% 2.49% pa 2.66% pa 2.49% pa 2.93% pa
≤ 95% 3.14% pa 3.40% pa 3.14% pa 3.66% pa
3 year fixed rate°
≤ 70% 2.39% pa 2.47% pa 2.39% pa 2.74% pa
≤ 80% 2.59% pa 2.67% pa 2.59% pa 2.94% pa
≤ 95% 3.14% pa 3.37% pa 3.14% pa 3.63% pa
4 year fixed rate°
≤ 70% 2.89% pa 2.62% pa 2.89% pa 2.89% pa
≤ 80% 2.99% pa 2.79% pa 2.99% pa 3.06% pa
≤ 95% 3.19% pa 3.36% pa 3.19% pa 3.62% pa
5 year fixed rate°
≤ 70% 2.89% pa 2.65% pa 2.89% pa 2.92% pa
≤ 80% 2.99% pa 2.81% pa 2.99% pa 3.08% pa
≤ 95% 3.19% pa 3.35% pa 3.19% pa 3.61% pa

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

 

Interest only rates

Interest only repayments

LVR# Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
1 year fixed rate°
≤ 70% 2.59% pa 2.86% pa 2.59% pa 3.13% pa
≤ 80% 2.79% pa 3.02% pa 2.79% pa 3.28% pa
≤ 95% n/a n/a n/a n/a
2 year fixed rate°
≤ 70% 2.59% pa 2.84% pa 2.59% pa 3.11% pa
≤ 80% 2.79% pa 3.00% pa 2.79% pa 3.26% pa
≤ 95% n/a n/a n/a n/a
3 year fixed rate°
≤ 70% 2.59% pa 2.82% pa 2.59% pa 3.08% pa
≤ 80% 2.89% pa 3.00% pa 2.89% pa 3.27% pa
≤ 95% n/a n/a n/a n/a
4 year fixed rate°
≤ 70% 3.19% pa 2.99% pa 3.19% pa 3.25% pa
≤ 80% 3.49% pa 3.19% pa 3.49% pa 3.45% pa
≤ 95% n/a n/a n/a n/a
5 year fixed rate°
≤ 70% 3.19% pa 3.01% pa 3.19% pa 3.27% pa
≤ 80% 3.49% pa 3.22% pa 3.49% pa 3.48% pa
≤ 95% n/a n/a n/a n/a

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

 

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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Added perks

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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24/7 access and control

Award-winning digital banking

Award-winning digital banking

Securely manage your money and track your home loan when and where you want, with our award-winning digital banking^^. Our market-leading digital tools are designed to help you spend and save smarter, so you can make the most of your finances. 

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"We were able to lock in a fair and competitive rate."

Laura

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.

~

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

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

^^

Our digital banking platforms have been awarded Mozo Experts Choice 2020 in the Internet banking category and Mozo Experts Choice 2020 in the Excellent digital app category for 2019/2020.