You could save on your home loan with our competitive rates and low fees.
Get a fast response on your home loan application and refinance with confidence.
Be in control of your home loan with flexible loan options including split loans and up to 10 offset accounts for each of your variable interest rate home loan accounts.
At Macquarie, our refinance process starts with finding out a little bit about you and the type of home loan you’re applying for. This includes:
You’re now on the home stretch to a Macquarie home loan. Most of your loan documentation can be signed online, and we’ll make the process of discharging your current home loan easier by sending you a pre-filled discharge authority. After you sign the discharge authority, we will contact your current lender to complete the process.
"The digital experience for refinancing was exceptional."
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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
A home loan specialist will review your application and contact you within 1-2 business days.
Resume your refinance application at any time by securely logging in here.
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.
A Home Loan Specialist will review your application and call you within 1-2 business days after submission. If you’d like to make an update simply let them know during this call.
Our team of home loan experts are here to help. Request a call by completing the form and we'll typically make contact with you within 1 business day.
For more information, view the full Macquarie home loans terms and conditions and the Macquarie electronic banking terms and conditions.
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.
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.
Variable rate applies for new loans when you borrow up to 60% of the property value with a principal and interest repayment variable rate loan. Fixed Rate applies to new loans with a fixed rate loan. Subject to change without notice. Fixed rate loans may be subject to significant break costs. Please refer to the loan contracts for terms and conditions regarding break costs. At the end of the fixed rate period, the interest rate will revert to the discount variable rate applicable at that time.
The Offset Home Loan Facility fee is payable in exchange for the ability to open and link offset accounts. The fee is payable in two equal instalments every 6 months per facility. The first fee is payable 6 months after your settlement date, then the Offset Home Loan Facility fee is payable every 6 months thereafter (unless you switch your loan to a Basic Home Loan).
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 23 May 2025 for new loans only and are subject to change.
