Pay off your loan sooner

Our offset home loan rates

2.29
% p.a.

Variable rate*

2.57
% p.a.

Comparison rate

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

Refinancing

You can now securely apply online and get an answer, faster.

 

Discover your rate and repayments

Use our online quote tool and get a personalised rate in minutes.

Discover your rate

Our home loan specialists are available to answer any questions you may have along the way.

Discover your rate

Our home loan specialists are available to answer any questions you may have along the way.



 

Prefer to talk first?

 
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By submitting this enquiry, I acknowledge that I have read the Macquarie Group privacy policy, and understand that Macquarie will use my personal information to contact me in relation to my enquiry, and for other general marketing purposes.

You can change your marketing preferences by telephoning Macquarie on 1800 806 310 or customising your preferences with the unsubscribe link included in our marketing communications. Please note that all of our calls are recorded. If you do not want your call to be recorded, please advise the Macquarie staff member.

New home loans

If you're thinking about buying a property, talk to one of our home loan specialists about our flexible home loan options.

 

Have a home loan enquiry?

 
Thank you. We'll contact you shortly.
There has been an error. Please contact us.
We know you're busy so leave your details and we'll call you back.

By submitting this enquiry, I acknowledge that I have read the Macquarie Group privacy policy, and understand that Macquarie will use my personal information to contact me in relation to my enquiry, and for other general marketing purposes.

You can change your marketing preferences by telephoning Macquarie on 1800 806 310 or customising your preferences with the unsubscribe link included in our marketing communications. Please note that all of our calls are recorded. If you do not want your call to be recorded, please advise the Macquarie staff member.

Offset Account options

  • Open up to 10 offset accounts per loan account.2
  • Open unlimited loan accounts after settlement with differing repayment types.
  • Plus get a linked Debit Mastercard® for everyday transacting.

Fee free access at ATMs

  • We won’t charge you ATM fees anywhere in the world3.
  • All ATM fees within Australia are instantly refunded.

 

Waived credit card annual fee

  • Waived credit card annual fee4 on your credit card linked to your home loan.
  • Receive a great rate of 5.90% on purchases for the first 14 months5.

 

$0 international purchase fees 

When you shop online or in-store overseas with your Macquarie Debit Mastercard®.

Earn Qantas Points

Opt in to receive Qantas Points1 (different rates may apply).

Add a credit card

Everyday banking to save as you spend

Everyday banking to save as you spend

Apply for our credit card as part of your home loan package to earn Macquarie reward 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.

A woman pays with an Apple watch and a man sitting next to her smiling, outside. Macquarie - Apple Pay
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 a credit card and transaction account~ so you can get more than just a home loan.

Middle aged Asian man standing outside his home on a sunny day. Macquarie customer - Chi
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.

A woman with one hand on her face and the other holding a laptop screen, sitting at a wooden table in a dining room, well lit during the day.
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.

Happy couple talking on a coffee break after unpacking their belongings at new apartment.

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
Variable rate*, Principal and Interest 2.29% pa
Comparison rate, Principal and Interest 2.57% pa
   
Investment rates from Rate
Variable rate*, Principal and Interest 2.39% pa
Comparison rate Principal and Interest 2.67% pa

Rate types

Rate type Availability
Variable rates Available
Fixed rates 1, 2, 3, 4, and 5 year fixed available6

Ongoing account fees

Fee type Fee amount
Application fee $0
Monthly fee $0
Annual package fee $248

 

Other fees and charges may apply.

"The offset has really helped us from a family perspective to be able to manage our money better."

Melissa and Jonathan

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.

*

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.

1

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.

2

Company and trust borrowers can only open up to 4 offset accounts per loan account at application stage.

3

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.

4

For new home loans, credit card annual fees apply when you discharge your home loan; $99 ongoing for Macquarie Platinum Card (Macquarie Rewards), $99 ongoing for Macquarie Platinum Card (Qantas Rewards), $149 ongoing for Macquarie Black Card (Macquarie Rewards) and $149 ongoing for Macquarie Black Card (Qantas Rewards). For existing home loans, please refer to your financial table for credit card annual fees if you discharge your loan with us. Other fees and charges may apply. 

5

Offer is valid for purchases only. After the promotional period, the standard variable interest rate for purchases will apply, which is currently 20.70% pa for Macquarie Platinum and Macquarie Black.

6

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.

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

Home loan information and interest rates are current as at 22 July 2021 for new loans only and are subject to change.

×

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.

~

Macquarie's Transaction Account was awarded Canstar's Outstanding Value Transaction Account in April 2021.