Chi, a Macquarie customer

Variable home loans

Enjoy the flexibility to pay off your loan sooner with a variable rate home loan. Combine your loan with offset accounts, so your savings work to reduce the loan balance you pay interest on.

 
Laura, a Macquarie customer

Fixed rate home loans

Lock in certainty on monthly repayments with a fixed rate loan. Fixed rates are available for 1 to 5 year terms.

 
Melissa and Jonathan, Macquarie customers

Split home loans

Divide your home loan into multiple accounts, so you can take advantage of the benefits of both fixed and variable loan structures.

 

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.

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.

 

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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Additional information

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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.

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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.

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.

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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.

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

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.

3

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.

4

The calculations are based on a principal and interest repayment type only. Principal and interest repayments are calculated based on the loan term, interest rate and loan limit.

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.

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 10 September 2021 for new loans only and are subject to change.