Our offset home loan package gives you a flexible loan structure and great rate. It includes an award-winning credit card and transaction account4 so you can get more than just a home loan.
Get free access to any rediATM in Australia and enjoy a refund on fees incurred at all other ATMs in Australia. Plus, when you shop online or in-store with overseas retailers with your Debit Mastercard®, we won't charge you any international purchase fees2.
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.
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.
You can request a call online or give us a call on 13 62 27 to speak with a home loan specialist.
As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated home loan specialist.
Your redraw balance may change over time depending on several factors, including:
The below is an example explaining how redraw works where an extra payment has been made and the repayment amount has not changed on the home loan.
Sarah has a $300,000 home loan with a 30-year term. 10 years into her loan she makes an extra payment of $50,000. Her repayment amount does not change and the extra payment she’s made means she is paying less interest on her home loan. This results in Sarah paying off her home loan sooner. Because Sarah has maintained her repayments at the same amount, she can access her redraw balance up until her loan is paid off. If she continues to keep her loan open after it’s paid off, then available redraw will start reducing to ensure her home loan limit is $0 at the end of her loan term.
"It just gives us... flexibility."
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.
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.
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. 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.
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.
Please refer to your financial table for credit card annual fees if you discharge your loan with us. Other fees and charges may apply.
Macquarie's Transaction Account was awarded Canstar's 5-Star Rating for Outstanding Value Transaction Account in October 2020. Macquarie's Black Card - Macquarie Rewards was awarded Canstar's 5-Star Rating for Outstanding Value Premium Credit Card in October 2020. Macquarie's Platinum Card - Macquarie Rewards was awarded Canstar's 5-Star Rating for Outstanding Value Premium Credit Card in October 2020.
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.
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Information and interest rates are current as at 11 November 2020 for new loans only and are subject to change.