You could save on your home loan with our competitive rates and low fees.
Get a fast response on your home loan application and refinance with confidence.
Be in control of your home loan with flexible loan options including split loans and up to 10 offset accounts for each of your variable interest rate home loan accounts.
Speak to a dedicated specialist
Our calculator could not provide an estimate. With flexible options, our dedicated home loan specialists could help you find a solution.
An offset account will allow your savings to reduce the amount of interest you pay on the variable portion of your loan.
Divide your home loan into multiple accounts, so you can take advantage of the benefits of both fixed and variable loan accounts.
Competitive rates and low fees
With our best rate upfront and low fees, you could pay off your home loan faster.
Market leading turnaround times
Get a quick response on the status of your loan with our straightforward application, so you have more time to do the things you love.
Intuitive digital experiences
Confidently and securely manage your money with our digital banking platforms, tools, and online calculators.
Flexible loan options
Personalise your home loan to your needs with options to split between variable and fixed interest rates, up to 10 offset accounts and fee free redraw when using online banking.
Submit your application in a few simple steps. Apply if you are 18 years or older and a permanent resident of Australia.
The refinance process for each lender may be different. To refinance to a Macquarie home loan, you can apply online or speak to one of our specialists. For more information on the process, visit our help centre.
To help you complete your home loan application, make sure you have the following information on hand:
A banking specialist will review your application and contact you within 1-2 business days.
Resume your refinance application at any time by securely logging in here.
The rates shown in the refinance application are accurate based on the information provided. All rates are subject to approval and may vary depending on a formal valuation of your property.
A banking specialist will review your application and call you within 1-2 business days after submission. If you’d like to make an update simply let them know during this call.
Support for customers
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 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 discount variable rate 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.
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.
Home loan information and interest rates are current as at 17 November 2023 for new loans only and are subject to change.