Why Macquarie?

Fast turnaround times

With a straightforward application process and faster 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.

home with dollar

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.

 

Investor rates

Talk to a home loan specialist to tailor your loan to suit your investment needs.

Choose from flexible loan options such as variable rates, fixed rates or a split home loan.

Variable rates

Principal and interest

LVR
Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
≤ 60% 2.29% pa 2.29% pa 2.29% pa 2.57% pa
≤ 70% 2.39% pa 2.39% pa 2.39% pa 2.67% pa
≤ 80% 2.49% pa 2.49% pa 2.49% pa 2.76% pa
≤ 90% 3.25% pa 3.25% pa 3.25% pa 3.51% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

Fixed 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 2.39% pa 2.39% pa 2.67% pa
≤ 80% 2.49% pa 2.49% pa 2.49% pa 2.76% pa
≤ 90% 3.14% pa 3.24% pa 3.14% pa 3.50% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

1 year fixed

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 2.39% pa 2.39% pa 2.67% pa
≤ 80% 2.49% pa 2.49% pa 2.49% pa 2.76% pa
≤ 90% 3.14% pa 3.24% pa 3.14% pa 3.50% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

2 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
2 year fixed rate°
≤ 70% 2.39% pa 2.39% pa 2.39% pa 2.67% pa
≤ 80% 2.49% pa 2.49% pa 2.49% pa 2.76% pa
≤ 90% 3.14% pa 3.23% pa 3.14% pa 3.49% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

3 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
3 year fixed rate°
≤ 70% 2.39% pa 2.39% pa 2.39% pa 2.67% pa
≤ 80% 2.59% pa 2.51% pa 2.59% pa 2.79% pa
≤ 90% 3.14% pa 3.22% pa 3.14% pa 3.48% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

4 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
4 year fixed rate°
≤ 70% 2.89% pa 2.55% pa 2.89% pa 2.82% pa
≤ 80% 2.99% pa 2.65% pa 2.99% pa 2.92% pa
≤ 90% 3.19% pa 3.23% pa 3.19% pa 3.49% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

5 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
5 year fixed rate°
≤ 70% 2.89% pa 2.58% pa 2.89% pa 2.86% pa
≤ 80% 2.99% pa 2.68% pa 2.99% pa 2.96% pa
≤ 90% 3.19% pa 3.23% pa 3.19% pa 3.49% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Interest only

Interest only, variable rate

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
≤ 60% 2.59% pa 2.59% pa 2.59% pa 2.86% pa
≤ 70% 2.59% pa 2.59% pa 2.59% pa 2.86% pa
≤ 80% 2.89% pa 2.89% pa 2.89% pa 3.16% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

Variable rates

Interest only, variable rate

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
≤ 60% 2.59% pa 2.59% pa 2.59% pa 2.86% pa
≤ 70% 2.59% pa 2.59% pa 2.59% pa 2.86% pa
≤ 80% 2.89% pa 2.89% pa 2.89% pa 3.16% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

1 year fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
1 year fixed rate°
≤ 70% 2.59% pa 2.59% pa 2.59% pa 2.86% pa
≤ 80% 2.79% pa 2.88% pa 2.79% pa 3.15% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

2 years fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
2 year fixed rate°
≤ 70% 2.59% pa 2.59% pa 2.59% pa 2.86% pa
≤ 80% 2.79% pa 2.87% pa 2.79% pa 3.14% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

3 years fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
3 year fixed rate°
≤ 70% 2.59% pa 2.59% pa 2.59% pa 2.86% pa
≤ 80% 2.89% pa 2.89% pa 2.89% pa 3.16% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

4 years fixed

Interest only repayments

LVR# Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
4 year fixed rate°
≤ 70% 3.19% pa 2.78% pa 3.19% pa 3.05% pa
≤ 80% 3.49% pa 3.08% pa 3.49% pa 3.35% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

5 years fixed

Interest only repayments

LVR# Basic
Interest rate
Basic
Comparison rate
Offset
Interest rate
Offset
Comparison rate
5 year fixed rate°
≤ 70% 3.19% pa 2.82% pa 3.19% pa 3.09% pa
≤ 80% 3.49% pa 3.13% pa 3.49% pa 3.39% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

 

Talk to a home loan specialist

Our team of dedicated home loan specialists are ready to talk through your home loan needs.

 
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"What matters to us most is around flexibility and choice ... And what's on offer from Macquarie allows me to do that."

James

Additional information

*

Rate applies for new investor basic 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.

°

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.

Home loan information and interest rates are current as at 10 September 2021 for new loans only and are subject to change.