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To view the repayment amount and interest rate details on Macquarie Online Banking and the Macquarie Mobile Banking app:

1. Select your home loan account from the account list
2. Select the I want to button
3. Select View account details in the menu
4. Your home loan repayment will be shown as minimum repayment or estimated repayment
5. All interest rate details, including your interest rate and total interest charged, can be found on this page too.

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 the pencil icon next to the contact detail you wish to update
3. Complete the two-factor authentication
4. 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
5. Click Confirm. A confirmation window will display
6. Click Save to accept the changes.
7. Click Done to return to your profile.

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

1. Select the menu icon in the icon bar from the 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.

*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 the mailing address on your Macquarie Cash Management account, please give us a call on the relevant number below.
*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 (Sydney time) Monday to Friday
• Macquarie Term Deposit: 1300 739 980 (+61 7 3233 8109), 8am to 7pm (Sydney time) Monday to Friday
• Macquarie Credit Card: 1300 150 300 (+61 2 8232 1684), 24/7
• Macquarie Home Loan: 1800 007 722 (+61 2 8550 5666), 8am to 7pm (Sydney time) Monday to Friday
• Macquarie Car Loan: 1300 368 908 
• Macquarie Wrap: Contact your financial adviser or call 1800 025 063 
• Macquarie Vision: Contact your financial adviser or call 1800 510 562, 8am to 7pm (Sydney time) Monday to Friday
• Macquarie Online Trading: 1800 806 310 (+61 7 3233 8111), 8am to 7pm (Sydney time) 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 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’re a single or joint borrower. Offset accounts aren’t available for any other type of home loan.

The linked home loan must meet the following criteria:

• You have a variable rate offset home loan (offset accounts can’t be linked to fixed rate loan accounts)
• Single or joint borrowers
• You have less than 10 offset accounts linked to your home loan
• The borrowers are not a company or trust. Company and trust borrowers can’t open additional offset accounts after your loan settles.

Your new offset account can be either single or joint. Please note joint accounts are limited to two joint account holders who are party to the linked home loan.

All offset account holders must be account holders of the linked offset home loan.

To open additional offset accounts via Macquarie Online Banking:

1. Log into Macquarie Online Banking
2. Click Open an account at the top of your accounts list
3. Find the offset account option and click Open an account
4. Select the home loan account you want the new offset account to be linked to. Only eligible offset home loans will display in this list
5. If you chose to link a joint home loan, select the account holders you want to have access to your new offset account. You can choose to have a single or joint offset account. We only offer joint offset accounts with a maximum of two accounts holders, and all offset account holders must be account holders of the linked offset home loan
6. Select whether you want a debit card or not. If you want to use ApplePay or GooglePay for this account, select Yes as you’ll need the debit card to activate this on your mobile device
7. Select answers to the three account questions. Your answers will not be used for marketing purposes
8. Click Open account.

If you applied for a joint offset account, your joint account holder will need to review and approve the application.

To review and approve an application for a joint offset account via Macquarie Online Banking:

1. Log into Macquarie Online Banking
2. Click the bell icon at the top left of the screen to find the notification alerting you that your joint holder has made a request to open a joint offset account with you. Click Review
3. Read the offset account info and click Open an account
4. Select whether you want a debit card or not. If you want to use ApplePay or GooglePay for this account, select Yes as you’ll need the debit card to activate this on your mobile device. If your joint applicant also requested a debit card, your card will be sent to their address. If you request a debit card and your joint account holder did not, your debit card will be sent to your specified address
5. Select answers to the three account questions. Your answers will not be used for marketing purposes
6. Click Open account.

To open additional offset accounts via the Macquarie Mobile Banking app:

1. Log into the Macquarie Mobile Banking app
2. Click the menu icon at the bottom right of the screen
3. Scroll until you find the offset account option, and click Open an account
4. Select the home loan account you want the new offset account to be linked to, then click Next. Only eligible offset home loans will display in this list
5. If you chose to link a joint home loan, select the account holders you want to have access to your new offset account. You can choose to have a single or joint offset account. We only offer joint offset accounts with a maximum of two accounts holders, and all offset account holders must be account holders of the linked offset home loan
6. Select whether you want a debit card or not. If you want to use ApplePay or GooglePay for this account, select Yes as you’ll need the debit card to activate this on your mobile device
7. Select answers to the three account questions. Your answers will not be used for marketing purposes
8. Click Open account.

If you applied for a joint offset account, your joint account holder will need to review and approve the application.

To review and approve an application for a joint offset account via the Macquarie Mobile Banking app:

1. Log into the Macquarie Mobile Banking app
2. Click the bell icon at the bottom right of the screen and look for the notification alerting you that your joint holder has made a request to open a joint offset account with you. Click Review
3. Read the offset account info and click Open an account
4. Review the linked home loan account and the offset account holders, then click Next
5. Select whether you want a debit card or not. If you want to use ApplePay or GooglePay for this account, select Yes as you’ll need the debit card to activate this on your mobile device. If your joint applicant also requested a debit card, your card will be sent to their address. If you request a debit card and your joint account holder did not, your debit card will be sent to your specified address
6. Select answers to the three account questions. Your answers will not be used for marketing purposes
7. Click Open account.

If you have an Offset Home Loan account with a BSB starting with 183

Additional offset accounts aren't available for these Offset Home Loan accounts.