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New home loans

If you're thinking about buying a property, talk to one of our home loan specialists about our flexible home loan options.

 

 

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By submitting this enquiry, I acknowledge that I have read the Macquarie Group privacy policy, and understand that Macquarie will use my personal information to contact me in relation to my enquiry, and for other general marketing purposes.

You can change your marketing preferences by telephoning Macquarie on 1800 806 310 or customising your preferences with the unsubscribe link included in our marketing communications. Please note that all of our calls are recorded. If you do not want your call to be recorded, please advise the Macquarie staff member.

Frequently asked questions

Information about our home loans can be found at macquarie.com.au/home-loans


To apply for a Macquarie home loan, you can contact your mortgage broker or apply with us directly.

To speak with a Banking Specialist call us on 13 62 27 (Mon-Fri 8am-6pm) or request a call and we’ll be in touch.  

 

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.
Once you’ve completed an application with your broker or home loan specialist, we can (in most cases) provide you with a pre-approval within one business day if your application qualifies. Once you are successful with a property and provide us with all required documentation, we work quickly to provide you with unconditional approval and open your home loan account. 
 
This timing depends on how quickly we can verify your identity, assess your application, and transfer security.
 
We’ll let you know by email if your application is successful and when your account is open and ready to use.
 
If you have any questions about the status of your application, talk to your broker or your home loan specialist.
LVR is the amount you need to borrow, calculated as a percentage of the value of your property. For example, if your loan amount is $400K and your property value is $500K, then your LVR is 80%. 
Fixed rate home loans have an interest rate that is fixed for a set period of time (typically 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 offer the flexibility of allowing you to have some of your home loan at a fixed rate and some of your home loan at a variable rate.
 
Macquarie home loans offer the flexibility of allowing borrowers to:
•             Have all of their home loan at a variable rate
•             Have all of their home loan at a fixed rate
•             Split their mortgage into fixed and variable portions.
 

For more help and support topics, visit Macquarie Help Centre

Refinancing

If you’re ready to refinance and your employer withholds tax from your pay (PAYG), you can now securely apply online and get an answer, faster.

 

Get a quote in under 5 minutes.

Discover your rate

Our home loan specialists are available to answer any questions you may have along the way.

Discover your rate

Our home loan specialists are available to answer any questions you may have along the way.

Prefer to talk first?

 

Thank you. We'll contact you shortly.

There has been an error. Please contact us.

We know you’re busy so leave your details and we’ll call you back.

By submitting this enquiry, I acknowledge that I have read the Macquarie Group privacy policy, and understand that Macquarie will use my personal information to contact me in relation to my enquiry, and for other general marketing purposes.

You can change your marketing preferences by telephoning Macquarie on 1800 806 310 or customising your preferences with the unsubscribe link included in our marketing communications. Please note that all of our calls are recorded. If you do not want your call to be recorded, please advise the Macquarie staff member.

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.
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 contact you within 1-2 business days.
 
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.
 

For more help and support topics, visit Macquarie Help Centre

Existing home loan clients

Do you already have a home loan with Macquarie? Get fast answers to all your questions online via our Help Centre.

 

Need to talk to our home loan team?

Call us Mon-Fri, 8am-7pm (Sydney time)

1800 007 722

Chat to us via social

Did you know you can reach a member of our team by direct messaging us on our social media networks? We’re available Mon-Fri, 8am-5pm (Sydney time).

Learn more

Frequently asked questions

Keeping your contact details updated ensures that we can reach you with information about your account(s). The details we have on file for your account are listed below.   
 

  • Home address 
  • Postal address 
  • Email address 
  • Mobile phone number*
  • Home or work phone numbers (if applicable). 

   
To manage your contact details in Macquarie Online Banking: 
  

  1. Select your Name in the top menu bar 
  2. Select My profile 
  3. Select pencil icon next to the contact detail you wish to update
  4. Complete the two-factor authentication 
  5. Enter your new details. Note: If you only want the changes applied to specific accounts be sure to toggle the radio button left to de-select any that you don’t want updated 
  6. Click Confirm. A confirmation window will display 
  7. Click Save to accept the changes.
  8. Click Done to return to your profile. 


To manage your contact details in the Macquarie Mobile Banking app: 

 

On iOS 
  

  1. Select the icon  from bottom right corner 
  2. Select View and Edit Profile 
  3. Select the personal and account details you’re updating
  4. Enter your new details. If you only want the changes applied to specific accounts be sure to toggle the radio button left to de-select any that you don’t want updated 
  5. Click Done. 

 

On Android 

 

  1. Select the icon  from the top left corner 
  2. Click on your name to take you to your profile 
  3. Select the edit pencil next to the contact detail you wish to update 
  4. Enter your new details. If you only want the changes applied to specific accounts be sure to toggle the radio button left to de-select any that you don’t want updated 
  5. Click Save 
  6. Click Done to return to your profile. 

If you need to update your postal address for your Macquarie Online Trading account, you will need to complete the Change of Registration Address form and return it to support@trading.macquarie.com

*If you need to update your mobile phone number, please give us a call on the relevant number below.

If you can’t update your contact details online, you can give us a call on the relevant number below and we can update them for you. 

 

  • Macquarie Transaction and Savings Account: 133 174 (+61 2 8245 4470), 24/7 
  • Macquarie Cash Management Account: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday 
  • Macquarie Term Deposit: 1300 739 980 (+61 7 3233 8109), 8am to 7pm (AEST/ADST) Monday to Friday 
  • Macquarie Credit Card: 1300 150 300 (+61 2 8232 1684), 24/7 
  • Macquarie Home Loan: 1800 007 722 (+61 2 8245 4383), 8am to 7pm (AEST/ADST) Monday to Friday 
  • Macquarie Wrap: Contact your financial adviser or call 1800 025 063 (+61 2 8245 4250), 8am to 7pm (AEST/ADST) Monday to Friday 
  • Macquarie Vision: Contact your financial adviser or call 1800 510 562, 8am to 7pm (AEST/ADST) Monday to Friday 
  • Macquarie Online Trading: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (AEST/ADST) Monday to Friday. 
Interest is calculated on your outstanding loan balance at the end of each day. The outstanding loan balance is multiplied by the interest rate on the loan account and divided by 365 days to calculate a daily interest charge. Interest is calculated daily, and charged monthly to your loan account.

Please note:
 
  • Interest-only loan repayments will not pay off any principal during the interest only term
  • The repayments required to pay out the loan will increase after the interest only period ends to cover both principal and interest. This is because you have less time until loan maturity to pay off your full principal amount
  • You may pay more over the life of the loan than if there was no interest only term.
Your home loan principal and interest repayment amount is calculated based on the loan amount, loan term, number of repayments and interest rate. Assuming there are no changes to your loan, your repayment amount remains the same each month or fortnight. Each repayment amount consists of paying back some of your loan (principal) and an interest component. The proportion of principal and interest you pay changes over the term of your loan. 

At the beginning of a home loan, most of the repayment amount goes towards interest and over time, as your loan balance decreases, the interest portion of the payment decreases and therefore most of the payment goes toward the principal. 
If you are required to make home loan repayments, you can view your home loan repayment amount on Macquarie Online Banking:
 
  1. Select Accounts from the side menu; or first click on the  icon in top left-hand corner to display the side menu
  2. Select the home loan account
  3. Select the Account details tab
  4. If you have a Home Loan account with a BSB starting with 182 the minimum repayment or estimated repayment amount is listed under the Repayment Details section. 
  5. If you have a Home Loan account with a BSB starting with 032 the minimum repayment or estimated repayment amount is listed under the Account Summary section.
 
To view the repayment amount on the Macquarie Mobile Banking app:
 
  1. Select a home loan account from the main screen
  2. Select the More tab and select Details 
  3. Your home loan repayment will be shown as minimum repayment or estimated repayment.
If you have an Offset Home Loan account with a BSB starting with 182

You can open up to 10 offset accounts which can be linked to an offset home loan account if you are a single or joint borrower. Offset accounts aren't available for any other type of home loan.

To open additional offset accounts:

1. Go to macquarie.com.au/everyday-banking/transaction-account
2. Go to Open an account and submit an online application to open a Macquarie transaction account as an existing customer
 
a. To do this select Yes for the question Do you have any other Macquarie products?
b. Enter your Macquarie ID and Password to login
c. If this new account is a joint account with another borrower, ensure you have ticked Yes for the question Are you applying with someone else? and have them enter their Macquarie ID and Password in Step 4 of the application

3. Once you have completed the application, you’ll need to contact us on 1800 007 722 (+61 2 8245 4383) to switch and link your transaction account to your offset home loan.

A Debit Mastercard will automatically be sent along with your online application to the postal address linked to your profile.

Please note, you can't link an offset account to a fixed home loan account.

If you are a company or trust borrower you cannot open additional offset accounts after your home loan settles.

If you have an Offset Home Loan account with a BSB starting with 032
 
Additional offset accounts aren't available.

For more help and support topics, visit Macquarie Help Centre