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.        

Kerri-Anne Turner sitting with partner at kitchen bench on laptop

"The digital experience for refinancing was exceptional."

Add an offset

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.
Mel and Jonathan standing on their veranda
Add a credit card

Everyday banking to save as you spend

Everyday banking to save as you spend

Apply for our credit card as part of your home loan package to earn Macquarie reward 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.

A woman pays with an Apple watch and a man sitting next to her smiling, outside. Macquarie - Apple Pay
Home loan package

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 a credit card and transaction account~ so you can get more than just a home loan.

Middle aged Asian man standing outside his home on a sunny day. Macquarie customer - Chi
Get an answer, faster

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.

A woman with one hand on her face and the other holding a laptop screen, sitting at a wooden table in a dining room, well lit during the day.
Dedicated help

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.

Happy couple talking on a coffee break after unpacking their belongings at new apartment.



Download your free refinancing guide

Image of front cover of Macquarie home loan refinance guide on a grey background

Fill in your details to receive the guide including case studies, tips and tricks, and application checklist to help you navigate the refinancing process.


Thank you, your refinancing guide is on the way to your inbox.

Find out more about Macquarie Home Loans.

There has been an error. Please contact us.

Frequently asked questions

To help you complete your home loan application, make sure you have the following information on hand:
  • 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.
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.

"We've moved mortgages before, and this is the first time I can genuinely say a bank actually listened to us."


New clients

Monday to Friday 8am – 6pm (Sydney time)

13 62 27

Existing clients

Monday to Friday 8am – 6pm (Sydney time)

1800 007 722

Help and support

Visit our online Help Centre.

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.


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 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.

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 Outstanding Value Transaction Account in April 2021.

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.

Home loan information and interest rates are current as at 10 September 2021 for new loans only and are subject to change.