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Home loans that offer flexibility over the life of your investment. Tailor your loan to suit your investment needs.
Rates from
Interest rate
Comparison rate‡
Get set to save with one of the lowest~ variable home loan rates in the market, offset accounts, and Marketplace rewards.
Tailor your loan to suit your investment loan needs. 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% | 2.54% pa | 2.54% pa | 2.54% pa | 2.81% pa |
| ≤ 70% | 2.64% pa | 2.64% pa | 2.64% pa | 2.91% pa |
| ≤ 80% | 2.74% pa | 2.74% pa | 2.74% pa | 3.01% pa |
| ≤ 90% | 3.50% pa | 3.50% pa | 3.50% pa | 3.76% pa |
| Rates are for new loans and are subject to change. | ||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 1 year fixed rate° | ||||
| ≤ 70% | 3.79% pa | 2.74% pa | 3.79% pa | 3.01% pa |
| ≤ 80% | 3.89% pa | 2.84% pa | 3.89% pa | 3.11% pa |
| ≤ 90% | 4.65% pa | 3.60% pa | 4.65% pa | 3.86% 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. |
||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 1 year fixed rate° | ||||
| ≤ 70% | 3.79% pa | 2.74% pa | 3.79% pa | 3.01% pa |
| ≤ 80% | 3.89% pa | 2.84% pa | 3.89% pa | 3.11% pa |
| ≤ 90% | 4.65% pa | 3.60% pa | 4.65% pa | 3.86% 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. |
||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 2 year fixed rate° | ||||
| ≤ 70% | 4.65% pa | 2.98% pa | 4.65% pa | 3.25% pa |
| ≤ 80% | 4.75% pa | 3.08% pa | 4.75% pa | 3.35% pa |
| ≤ 90% | 5.55% pa | 3.86% pa | 5.55% pa | 4.12% 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. |
||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 3 year fixed rate° | ||||
| ≤ 70% | 4.99% pa | 3.23% pa | 4.99% pa | 3.49% pa |
| ≤ 80% | 5.09% pa | 3.33% pa | 5.09% pa | 3.59% pa |
| ≤ 90% | 5.85% pa | 4.11% pa | 5.85% pa | 4.36% 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. |
||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 4 year fixed rate° | ||||
| ≤ 70% | 5.15% pa | 3.46% pa | 5.15% pa | 3.72% pa |
| ≤ 80% | 5.25% pa | 3.56% pa | 5.25% pa | 3.82% pa |
| ≤ 90% | 5.99% pa | 4.34% pa | 5.99% pa | 4.58% 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. |
||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 5 year fixed rate° | ||||
| ≤ 70% | 5.25% pa | 3.68% pa | 5.25% pa | 3.93% pa |
| ≤ 80% | 5.35% pa | 3.78% pa | 5.35% pa | 4.03% pa |
| ≤ 90% | 6.09% pa | 4.56% pa | 6.09% pa | 4.80% 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. |
||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 1 year fixed rate° | ||||
| ≤ 70% | 3.99% pa | 2.94% pa | 3.99% pa | 3.21% pa |
| ≤ 80% | 4.29% pa | 3.24% pa | 4.29% pa | 3.50% 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. |
||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 2 year fixed rate° | ||||
| ≤ 70% | 4.85% pa | 3.19% pa | 4.85% pa | 3.45% pa |
| ≤ 80% | 5.15% pa | 3.49% pa | 5.15% pa | 3.75% 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. |
||||
| LVR | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 3 year fixed rate° | ||||
| ≤ 70% | 5.19% pa | 3.43% pa | 5.19% pa | 3.69% pa |
| ≤ 80% | 5.49% pa | 3.74% pa | 5.49% pa | 3.99% 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. |
||||
| LVR# | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 4 year fixed rate° | ||||
| ≤ 70% | 5.35% pa | 3.66% pa | 5.35% pa | 3.92% pa |
| ≤ 80% | 5.65% pa | 3.97% pa | 5.65% pa | 4.22% 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. |
||||
| LVR# | Basic Interest rate |
Basic Comparison rate‡ |
Offset Interest rate |
Offset Comparison rate‡ |
|---|---|---|---|---|
| 5 year fixed rate° | ||||
| ≤ 70% | 5.45% pa | 3.88% pa | 5.45% pa | 4.13% pa |
| ≤ 80% | 5.75% pa | 4.19% pa | 5.75% pa | 4.44% 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. |
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With a straightforward application process and fast turnaround times, you'll get a timely response on the status of your loan.
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We'll keep you informed and up to date throughout the process. And if you need any help along the way, our home loan specialists are available to answer any questions.
Great rates and low fees
Macquarie home loans are built on great value. Our competitive rates and low fees help you pay off your home loan faster.
You can request a call online or give us a call on 13 62 27 to speak with a home loan specialist about your investment property loan needs.
As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated home loan specialist.
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.
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.
"What matters to us most is around flexibility and choice ... And what's on offer from Macquarie allows me to do that."
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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.
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 variable 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. Offset accounts cannot be linked to fixed rate loan accounts. For split loans, with a fixed and variable rate portion, the variable rate loan account must have a minimum limit of $20,000 to qualify for an offset account.
As benchmarked across major lenders.
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.
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.
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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Home loan information and interest rates are current as at 13 May 2022 for new loans only and are subject to change.
