Current owner occupied rates

What is a comparison rate?

Variable home loan

Rates from

2.49
% p.a.

Interest rate

2.54
% p.a.

Comparison rate

 

 

Fixed home loan

Rates from

2.09
% p.a.

Interest rate

2.43
% p.a.

Comparison rate

 
Add an offset

Add up the benefits of an offset

Add up the benefits of an offset

Our offset account allows you to pay off your loan faster by using your savings to reduce the amount of interest you pay.

With an offset account you can:

  • reduce the interest you pay over the life of your loan
  • transfer money and make payments online
  • get a debit card for ATM withdrawals and store payments.
Mother sitting in lounge with daughter using phone.
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 couple sitting together in their lounge room smiling and laughing, looking at a tablet during a sunny day. Macquarie customer - Georgina and Celeste
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.
aerial shot of couple in home talking
24/7 access and control

Award-winning digital banking

Award-winning digital banking

Securely manage your money and track your home loan when and where you want, with our award-winning digital banking&. Our market-leading digital tools are designed to help you spend and save smarter, so you can make the most of your finances. 
Shot from over the shoulder, a person is logged into Macquarie eBanking on their laptop in their living room.
Added perks

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.
Smiling man lying on the couch and shopping online with credit card and laptop.

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

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.
 

Additional information