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Refinancing has never been easier
Securely apply online and get an answer, faster. Your application will save as you go so you can pick up where you left off at any time. Resume your application.
"The digital experience for refinancing was exceptional."
- Add an offset
- Add a credit card
- Home loan package
- Get an answer, faster
- Dedicated help
Save using an offset account
Save using an offset account
- Our offset account allows you to pay off your loan faster by using your savings to reduce the amount of interest you pay.
- Open up to 10 offset accounts per loan account†.
- Plus get a linked Debit Mastercard® for everyday transacting.
Everyday banking to save as you spend
Everyday banking to save as you spend
Apply for our award-winning~ credit card as part of your home loan package to earn Macquarie rewards points. If you add a transaction account you’ll also get access to ongoing discounts of up to 10% on a wide range of eGift cards with Macquarie Marketplace.
More than just a home loan
More than just a home loan
Our offset home loan package gives you a flexible loan structure and great rate. It includes an award-winning~ credit card and transaction account so you can get more than just a home loan.
Fast turnaround times
Fast turnaround times
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.
Stay informed throughout the process
Stay informed throughout the process
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.
The Macquarie refinancing guide
How to apply
If you’re refinancing a residential property and are PAYG employed, you can now apply online.
For all other loan enquiries request a call and one of our banking specialists will get in touch.
Apply if you
- are 18 years old or over,
- are a permanent resident of Australia.
What's next?
As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated home loan specialist.
Frequently asked questions
- documents relating to your income, including payslips or income statements
- your existing home loan statements and contract if applicable
- details of any debts you currently hold, including balances, limits and monthly repayments
- access to your transaction history – this will help you determine your monthly living expenses such as groceries, utilities and insurances.
"We've moved mortgages before, and this is the first time I can genuinely say a bank actually listened to us."
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Additional information
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.
New offset home loan rate applies for new loans when you borrow up to 60% of the property value with a 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.
Rate applies for new home loans with principal and interest repayment fixed rate when you borrow up to 70% of the property value. 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.
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.
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.
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.
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.
Information and interest rates are current as at 11 November 2020 for new loans only and are subject to change.