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With a Macquarie home loan, you can expect great rates and low fees.
Choose from flexible loan options such as variable rates, fixed rates or a split home loan.
| LVR | Basic Interest rate | Basic Comparison rate‡ | Offset Interest rate | Offset Comparison rate‡ |
|---|---|---|---|---|
| ≤ 60% | 6.14% pa | 6.16% pa | 6.14% pa | 6.39% pa |
| ≤ 70% | 6.14% pa | 6.16% pa | 6.14% pa | 6.39% pa |
| ≤ 80% | 6.20% pa | 6.22% pa | 6.20% pa | 6.45% pa |
| ≤ 90% | 6.60% pa | 6.63% pa | 6.60% pa | 6.85% pa |
| ≤ 95% | 7.30% pa | 7.33% pa | 7.30% pa | 7.54% pa |
| Rates are for new loans and are subject to change. | ||||
Have more questions? Speak to one of our dedicated home loan specialists.
| LVR | Basic Interest rate | Basic Comparison rate‡ | Offset Interest rate | Offset Comparison rate‡ |
|---|---|---|---|---|
| 1 year fixed rate° | ||||
| ≤ 70% | 6.65% pa | 6.22% pa | 6.65% pa | 6.44% pa |
| ≤ 80% | 6.75% pa | 6.28% pa | 6.75% pa | 6.50% pa |
| ≤ 95% | 6.99% pa | 7.29% pa | 6.99% pa | 7.51% pa |
| 2 year fixed rate° | ||||
| ≤ 70% | 6.55% pa | 6.25% pa | 6.55% pa | 6.47% pa |
| ≤ 80% | 6.65% pa | 6.31% pa | 6.65% pa | 6.54% pa |
| ≤ 95% | 6.85% pa | 7.23% pa | 6.85% pa | 7.45% pa |
| 3 year fixed rate° | ||||
| ≤ 70% | 6.55% pa | 6.28% pa | 6.55% pa | 6.50% pa |
| ≤ 80% | 6.65% pa | 6.35% pa | 6.65% pa | 6.58% pa |
| ≤ 95% | 6.85% pa | 7.19% pa | 6.85% pa | 7.41% pa |
| 4 year fixed rate° | ||||
| ≤ 70% | 6.59% pa | 6.33% pa | 6.59% pa | 6.55% pa |
| ≤ 80% | 6.69% pa | 6.40% pa | 6.69% pa | 6.63% pa |
| ≤ 95% | 6.95% pa | 7.19% pa | 6.95% pa | 7.41% pa |
| 5 year fixed rate° | ||||
| ≤ 70% | 6.65% pa | 6.39% pa | 6.65% pa | 6.61% pa |
| ≤ 80% | 6.75% pa | 6.47% pa | 6.75% pa | 6.69% pa |
| ≤ 95% | 6.99% pa | 7.19% pa | 6.99% pa | 7.40% 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. | ||||
Have more questions? Speak to one of our dedicated home loan specialists.
Have more questions? Speak to one of our dedicated home loan specialists.
| LVR | Basic Interest rate | Basic Comparison rate‡ | Offset Interest rate | Offset Comparison rate‡ |
|---|---|---|---|---|
| 1 year fixed rate° | ||||
| ≤ 70% | 6.69% pa | 6.40% pa | 6.69% pa | 6.62% pa |
| ≤ 80% | 6.79% pa | 6.50% pa | 6.79% pa | 6.72% pa |
| ≤ 90% | 7.15% pa | 7.49% pa | 7.15% pa | 7.70% pa |
| 2 year fixed rate° | ||||
| ≤ 70% | 6.69% pa | 6.43% pa | 6.69% pa | 6.66% pa |
| ≤ 80% | 6.79% pa | 6.53% pa | 6.79% pa | 6.76% pa |
| ≤ 90% | 6.99% pa | 7.42% pa | 6.99% pa | 7.63% pa |
| 3 year fixed rate° | ||||
| ≤ 70% | 6.69% pa | 6.46% pa | 6.69% pa | 6.69% pa |
| ≤ 80% | 6.79% pa | 6.57% pa | 6.79% pa | 6.79% pa |
| ≤ 90% | 6.99% pa | 7.37% pa | 6.99% pa | 7.59% pa |
| 4 year fixed rate° | ||||
| ≤ 70% | 6.75% pa | 6.52% pa | 6.75% pa | 6.74% pa |
| ≤ 80% | 6.85% pa | 6.62% pa | 6.85% pa | 6.84% pa |
| ≤ 90% | 7.05% pa | 7.36% pa | 7.05% pa | 7.57% pa |
| 5 year fixed rate° | ||||
| ≤ 70% | 6.79% pa | 6.56% pa | 6.79% pa | 6.78% pa |
| ≤ 80% | 6.89% pa | 6.66% pa | 6.89% pa | 6.88% pa |
| ≤ 90% | 7.09% pa | 7.34% pa | 7.09% pa | 7.55% 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. | ||||
Have more questions? Speak to one of our dedicated home loan specialists.
Have the flexibility to use your savings to reduce the interest you pay.
A variable interest rate on your loan allows you flexibility to use your savings to reduce the interest you pay by using offset accounts.
Lock in certainty on monthly repayments. Your repayments will stay the same throughout the fixed loan term, making it easier to manage your cash flow.
A home loan built on value, offering low fees and competitive rates.
Submit your application in a few simple steps. Apply if you are 18 years or older and a permanent resident of Australia.
3 minutes
Answer a few simple questions and we’ll provide a tailored quote with your rate and repayments.
15 minutes
Provide information about you, your property, what you earn and what you owe.
Once you’ve submitted your application, one of our friendly banking specialists will review it and get in touch to answer any questions and guide you through the next steps.
LVR is the amount you need to borrow, calculated as a percentage of the value of your property. For example, if your loan amount is $400K and your property value is $500K, then your LVR is 80%.
We offer 1 - 5 year fixed rates on all our home loans. To view our current fixed rates click here.
If you’re a new customer and want to apply for a fixed rate home loan, contact your home loan broker, or call us on 13 62 27, 8am - 6pm (Sydney time) Monday to Friday.
If you’re an existing customer and would like to fix your home loan rate, please contact us on 1800 007 722 (+61 2 8245 4383) and select option 2, 8.30am - 5pm (Sydney time) Monday to Friday.
Important notes about fixed rate accounts:
Don’t want to wait on the phone?
Our Customer Solutions phone line now has an automated call back service available to you. If our wait times are longer than 5 minutes, you’ll be offered an automated call back to accept at the start of the call.
Fixed rate home loans have an interest rate that is fixed for a set period of time (typically from one to five years). At the end of the fixed rate term, the loan will usually switch to a variable rate.
Variable rate home loans have an interest rate that can move up or down according to market forces, which impacts the amount of interest you pay.
Macquarie home loans are flexible and allow you to access both a fixed rate and variable rate for your loan. As a borrower, this means you can:
Splitting your loan between variable and fixed interest rates gives you flexibility to structure your loan to suit your circumstances. You can divide your home loan in a variety of ways, such as locking in a fixed interest rate portion and variable interest rate portion, to take advantage of a mix of rate types over the life of your loan.
Please note: You can’t have the entirety of your offset home loan assigned to a fixed rate. You must have at least $20k of your offset home loan assigned to a variable interest rate.
The home loan interest rate is the actual rate at which interest is charged on your home loan and doesn’t include fees.
The home loan comparison rate is a rate that helps you work out the true cost of the loan and allows you to compare rates amongst other lenders. It reduces to a single percentage figure the interest rate plus some of the fees and charges relating to a loan. As well as the comparison rate, it’s important to consider the features each loan offers and how valuable these are to you.
Support for customers
This information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) 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 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 17 November 2023 for new loans only and are subject to change.