Save with competitive rates


Macquarie home loans are built on great value. Our competitive rates could help you pay off your home loan faster.

 

Save with up to 10 offset accounts


Take advantage of multiple offsets* to bucket your savings and reduce the interest you pay by keeping your savings in an offset account. 

Save with Macquarie Marketplace


Save up to 10% on eGift cards from over 50 leading retailers in Australia including Apple, Woolworths, Myer and more.

Looking for a savings account?

A high-interest savings account with no Macquarie fees, no deposit conditions and award-winning digital banking.
 

Applying online is easy

Submit your application in a few simple steps. Apply if you are 18 years or older and a permanent resident of Australia.


 

Get a personalised quote in 3 minutes

Save your application as you go

Speak to our dedicated home loan specialists

Talk to a home loan specialist

 

Thanks for your enquiry. We’ll aim to contact you within one business day.

For some enquiries we will contact you via email only.

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If you're refinancing, request a call or contact us on 13 62 27 Monday to Friday 8am - 6pm (Sydney time).

For a faster response on your pre-approval enquiry, try our calculator to estimate your borrowing power and continue to apply online.

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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.

 

Additional information

This information is provided by Macquarie Bank Limited 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.

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 variable interest rate detailed in your loan contract, as applicable at that time.

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.

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Open up to 10 offset accounts per variable 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. Offset accounts cannot be linked to fixed rate loan accounts. For split loans, with a fixed and variable rate portion, the variable rate loan account must have a minimum limit of $20,000 to qualify for an offset account.

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You can make additional repayments to the variable interest rate portion on your home loan without having to pay any additional fees. Depending on your fixed home loan account you may be able to make extra repayments on the fixed interest rate portion of your home loan of up to $10,000 per account or of up to 5% of the initial fixed amount, which can be made each year without penalty.

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The Macquarie Offset Home Loan attracts an annual package fee of $248, subject to change.

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Offset accounts cannot be linked to fixed rate loan accounts. For split loans, with a fixed and variable rate portion, the variable rate loan account must have a minimum limit of $20,000 to qualify for an offset account.

Home loan information and interest rates are current as at 6 December 2023 for new loans only and are subject to change.