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Macquarie Bank Mortgage Solutions

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Overview

Macquarie understands the importance of the role you play in helping your clients to select the right mortgage, that's why we support all accredited brokers and financial advisers with a premium service standard.

Our business is built around your business. Macquarie provides:

  • experienced BDMs to help you grow your business
  • direct access to our credit team
  • products which are versatile, yet easy to understand
  • a simple and transparent commission structure.

If your clients are looking for fully featured loans with exceptional service, please contact us.

We have experienced BDMs who can help you

Our sales team has exceptional industry knowledge and experience. Our team supports you during the application and settlement process but our service model doesn't end there.

Contact the team

New South Wales and Australian Capital Territory
Regional Sales Manager
Dino Pesce
0405 131 062
dino.pesce@macquarie.com

South Australia, Western Australia and Northern Territory
Regional Sales Manager
Alex Di Toro
0410 499 016
alex.ditoro@macquarie.com

Victoria and Tasmania
Regional Sales Manager
Paul Chesterman
0411 261 261
paul.chesterman@macquarie.com

Queensland
Regional Sales Manager
Scott Unicomb
0423 557 124
scott.unicomb@macquarie.com

Download Sales team contacts

Current offers and rates

Offers at a glance

Download our current offers flyer for full details, terms and conditions.

 

  • 0.05% per annum additional variable rate discount for loans greater than or equal to $1.5 million
  • Fee-free upfront valuations for property values up to $2 million
  • Free rate lock is available on all fixed rates including SMSF Property Loan and is effective for 90 days from formal approval

Variable rates

STANDARD VARIABLE RATE 5.95%PA1
COMPARISON RATE2 5.95%PA

 

The table below shows our variable rates for loans with a loan to valuation ratio (LVR) less than or equal to 80%.

Loan type Loan amount Borrower rate Comparison rate2,5
Basic Home Loan ≥$750,000 4.89%pa 4.89%pa
Offset Home Loan Package3 ≥$750,000 4.89%pa 5.26%pa
Line of Credit Home Loan Package3 ≥$750,000 4.89%pa N/A
Basic Flyer Home Loan ≥$750,000 4.94%pa 4.94%pa
Offset Flyer Home Loan Package3 ≥$750,000 4.94%pa 5.31%pa
Line of Credit Flyer Home Loan Package3 ≥$750,000 4.94%pa N/A

Fixed rates4

Current as at  17 April 2014

Macquarie Bank Mortgage Solutions

fixed rates fixed rates comparison rate2,6
1 year fixed rate 4.89%pa 4.89%pa
2 year fixed rate 4.89%pa 4.89%pa
3 year fixed rate 5.29%pa 5.00%pa
4 year fixed rate 5.69%pa 5.17%pa
5 year fixed rate 5.89%pa 5.31%pa

Macquarie Bank Flyer Home Loan

fixed rates fixed rates comparison rate2,6
1 year fixed rate 4.94%pa 4.94%pa
2 year fixed rate 4.94%pa 4.94%pa
3 year fixed rate 5.34%pa 5.05%.pa
4 year fixed rate 5.74%pa 5.22%pa
5 year fixed rate 5.94%pa 5.36%pa

Macquarie Bank Mortgage Solutions (MBMS) loan

Basic Home Loan

Download a copy of our .

Description

The Basic Home Loan is a simple loan with no account management fee and a competitive interest rate. It has the option of interest only repayments for up to five years, or a principal and interest repayment plan over the life of the loan. The Basic Home Loan offers the flexibility of redraw and a choice of repayment frequencies.  Additional repayments are also accepted at any time (limited during fixed terms).
Standard residential loan purposes such as:

  • Purchase or refinance an owner-occupied or investment property
  • Equity loans for investment or personal purposes.

Product specifics

product specifics
loan term 30 years maximum
minimum and maximum loan amounts Minimum $150,000
Maximum $5 million. Location and LVR restrictions apply.
Key features
  • Family guarantee
  • Redraw
  • Deposit card
  • Option to split home loan into two accounts pre-settlement with a maximum of six accounts post-settlement (fees may apply)
  • Online and phone banking
interest rate options
  • Variable rate
  • One to five year fixed rates
repayment types
  • Principal and interest
  • Interest only – up to five years.

Offset Home Loan Package

Download a copy of our .

Description

The Offset Home Loan Package is a fully transactional loan aimed at clients who want to pay off their loan sooner through the use of an offset account, yet maintain flexibility.  It combines a fully featured home loan with all the benefits of a 100% offset account and multiple account options meaning salary and other funds can be paid directly into the loan.  The overall loan term and amount of interest paid can be reduced as the interest is calculated daily on the net loan balance.

The balance in the offset account accrues interest at the same rate as the home loan and reduces the total interest payable on the loan. This means that the client only pays interest on the balance of the home loan less the funds in the offset account on any given day. Funds in the offset account can be accessed using the cash card, internet and phone access, cheque book, BPAY® and third party direct debits.

It has standard residential loan purposes such as:

  • Purchase or refinance an owner-occupied or investment property
  • Equity loans for investment or personal purposes.

Product specifics

product specifics
loan term 30 years maximum
minimum and maximum loan amounts Minimum $150,000
Maximum $5 million. Location and LVR restrictions apply.
Key features
  • Redraw
  • Offset account
  • Cash card
  • Deposit card
  • Cheque book
  • Unlimited accounts after settlement (fees may apply)
  • Online and phone banking
interest rate options
  • Variable rate
  • One to five year fixed rates
Offset sub-account
  • The Offset home loan product comes with one offset account per loan facility.  This offset account is linked to one loan account of the client’s choice.  When calculating interest payable, the balance in the offset account is deducted from the outstanding debit balance in the linked loan account.  Interest is only charged and payable on the net difference thereby reducing the total interest payable on the loan.
  • Where the balance in the offset account exceeds the debit balance in the loan account it is linked to, the balance cannot be used to offset the debt in any other loan account.
repayment types
  • Principal and interest
  • Interest only – up to five years.

Line of Credit Home Loan Package

Download a copy of our .

Description

The Line of Credit Home Loan Package has been designed to help investors maximise access to equity and optimise their investment opportunities. This fully transactional product offers multiple accounts and interest capitalisation within a global facility.

The global facility feature means that provided the total outstanding facility balance across all accounts remains below the total facility credit limit, individual account limits are only notional.

It has standard residential loan purposes such as:

  • Purchase or refinance an owner-occupied or investment property
  • Equity loans for investment or personal purposes.

Product specifics

product specifics
loan term 30 years maximum.
minimum and maximum loan amounts Minimum $150,000
Maximum $5 million. Location and LVR restrictions apply.
Key features
  • Interest capitalisation
  • Global facility
  • Cash card
  • Deposit card
  • Cheque book
  • Up to ten accounts (splits) after settlement (fees may apply)
  • Online and phone banking.
interest rate options
  • Variable rate
  • One to five year fixed rates.
repayment types

There are no contractual monthly repayments required on the Line of Credit product. Payments can be made at any time.  A payment will only be required to reduce the loan balance to be the same or less than the total loan limit when, on any given day, the combined balance of all accounts exceed the total loan limit.

Interest only

The Line of Credit has a 30 year loan term made up of two periods, these are:

  • Interest only repayments for the first five years. Maximum LVR of 90%. Following the initial interest only term of five years, loans may be extended to a maximum ten year interest only term from the original settlement date, subject to meeting certain lending criteria. A product variation fee may apply. Principal and interest repayments for the remaining 20-25 years.

SMSF Property Loan

Download a copy of our SMSF Property Loan flyer.

Description

The SMSF Property Loan allows your clients to purchase residential investment property within their SMSF and provides direct exposure to real property assets.
It has standard residential loan purposes such as:

  • assist SMSFs purchase residential investment property through borrowed funds
  • the property to be held in trust for the SMSF until the loan is repaid.
  • purchase a single residential investment property or refinance an existing SMSF residential investment property loan.
  • all transactions must be at arm’s length, for non related parties and conducted at market rates
  • loan purpose restrictions include; commercial real estate, vacant land, owner-occupied residential property, construction, equity release, home improvements, off the plan, bridging, principal increases, substitution of security and multiple titles.

Product specifics

product specifics
loan term 30 years maximum
maximum loan amounts $500,000 (Maximum SMSF exposure $1.5 million)
maximum lvr 80 per cent
additional features
  • Option to split the SMSF Property Loan into two accounts
  • Online and phone banking.
Interest rate options
  • Variable rate
  • Fixed rates – one to five years.
repayment types
  • Principal and interest
  • Interest only – up to five years.
limited recourse loan
  • The lender’s rights of recovery against the SMSF limited to the secured property and the personal guarantees
  • All other assets held in the SMSF are protected.
income and serviceability
  • Rental income from the investment property
  • Income from other SMSF investments
  • Super contributions
  • Repayments must be made by Direct Debit from the SMSF trust account.
gearing benefits
  • Interest paid on the loan and expenses can be used as deductions against income for tax purposes.

Macquarie's mortgages - now with general insurance option

Macquarie has streamlined your clients’ mortgage and general insurance needs into one application process.

Macquarie has been appointed as an Authorised Representative of Australian insurance provider, Auto & General Services Pty Ltd (AGS). Under this new distribution arrangement, your clients have the opportunity to receive an obligation-free quote for building, contents and landlord insurance or a combination of these, as part of their mortgage application process.

The AGS insurance product is available to clients applying for a mortgage across the entire Macquarie Bank Mortgage Solutions product suite, with the exception of SMSF loans.

Click here for more information on the insurance product.

Premium capped for the first three years if your client’s circumstances haven’t changed6

The value of cover is indexed in line with rising building and contents replacement costs.

More benefits of our integrated mortgage and insurance solution include:

  • less paperwork – the same mortgage application form, with only six additional questions.
  • improved settlement experience – once purchased, a copy of the certificate of currency will be emailed directly to our panel solicitor in preparation for the mortgage settlement
  • complements your existing referral arrangements – this enables you to provide your client with more choice, as they will be presented with a firm quote to compare with other quotes in the market and make an informed decision
  • flexibility for your client – your client can choose between monthly or annual payments for their premium
  • control for your client – your client will retain complete control with the ability to amend or cancel their policy at any time.

Important information

Please note that as outlined in the Corporations Act Exemption in Section 766A(3), unless your license permits otherwise, you may only complete the relevant insurance sections in the Macquarie Bank Mortgage application form.

Under the regulation, you are permitted to:

  • collect information related to an insurance quote, for referral to Macquarie
  • disclose commission and fees received in relation to the AGS insurance product.

Please remember that you are not permitted to:

  • provide general and personal advice in relation to the AGS insurance product
  • act as a financial adviser unless licensed to do so.

Want to know more?

If you have any questions or  would like further information about this new mortgage and insurance solution, please contact a Macquarie BDM.

Flyer Home Loans

Help your clients go places with a Macquarie Bank Flyer Home Loan7

Macquarie has just launched a new suite of competitively priced and feature-rich home loan products7 that reward your clients with Qantas Points8.

Additionally, if your clients take out a Macquarie Bank Flyer Home Loan Package7 with a Macquarie Visa Platinum Card10 and opt in to Qantas Frequent Flyer Rewards9, they can earn Qantas Points on eligible spend10 on that credit card too.

To view the Macquarie Bank Flyer Home Loan rates, download our Flyer rate card .

How your clients can earn Qantas Points8

  • 10,000 Qantas Points8 for every $100,000 drawn down at settlement as an introductory gift (calculated to the nearest point)
  • 1,000 Qantas Points8 each month the outstanding loan balance is at least $150,000 on the last business day of the month
  • 25,000 bonus Qantas Points8 on the third and fifth anniversaries of the loan, calculated from the day of settlement, as long as the outstanding loan balance is at least $150,000 on the last business day of the anniversary month.
Macquarie Bank Offset Flyer Home Loan Package example Qantas Points earned
$350,000 loan amount 35,000 at settlement
Each month for the life of the loan 1,000 as long as the outstanding loan balance is at least $150,000 on the last business day of the month
Third anniversary 25,000 as long as the outstanding loan balance is at least $150,000 on the last business day of the anniversary month
Fifth anniversary 25,000 as long as the outstanding loan balance is at least $150,000 on the last business day of the anniversary month
Macquarie Visa Platinum Card Qantas Points earned
$1 eligible spend up to $200,000 per year10 one

 

Basic Flyer Home Loan

Download a copy of our Basic Flyer Home Loan brochure.

Description

The Macquarie Bank Basic Flyer Home Loan7 has all the essentials, plus a competitive interest rate, no ongoing account management fees and rewards you with Qantas Points8. Your clients don't have to sacrifice their holiday plans for loan repayments – they could be travelling to more locations just by taking out a Macquarie Bank Basic Flyer Home Loan7.

Standard residential loan purposes such as:

  • Purchase or refinance an owner-occupied or investment property
  • Equity loans for investment or personal purposes.

Product specifics

product specifics
loan term 30 years maximum
minimum and maximum loan amounts

Minimum $150,000

Maximum $2 million. Location and LVR restrictions apply.

Key features
  • Family guarantee
  • Redraw
  • Deposit card
  • Option to split home loan into two accounts pre-settlement with a maximum of six accounts post-settlement (fees may apply)
  • Online and phone banking
interest rate options
  • Variable rate
  • One to five year fixed rates
repayment types
  • Principal and interest
  • Interest only – up to five years

Offset Flyer Home Loan Package

Download a copy of our Offset Flyer Home Loan Package brochure.

Description

The Macquarie Bank Offset Flyer Home Loan Package7 is designed for home buyers and investors who want a flexible home loan solution with an offset sub-account and to be rewarded with Qantas Points8. It is a fully transactional loan, enabling your clients to pay off their loan while maintaining flexibility.

It combines a fully featured home loan with all the benefits of a 100 per cent sub-offset account and multiple account options meaning salary and other funds can be paid directly into the loan. The overall loan term and amount of interest paid can be reduced as the interest is calculated daily on the net loan balance.

The balance in the offset account accrues interest at the same rate as the home loan and reduces the total interest payable on the loan. This means that the client only pays interest on the balance of the home loan less the funds in the offset account on any given day. Funds in the offset account can be accessed using a cash card, internet and phone access, cheque book, BPAY® and third party direct debits.

Standard residential loan purposes such as:

  • Purchase or refinance an owner-occupied or investment property
  • Equity loans for investment or personal purposes.

Product specifics

product specifics
loan term 30 years maximum
minimum and maximum loan amounts

Minimum $150,000

Maximum $2 million. Location and LVR restrictions apply.

Key features
  • Redraw
  • Offset account
  • Cash card
  • Deposit card
  • Cheque book
  • Unlimited accounts after settlement (fees may apply)
  • Online and phone banking
interest rate options
  • Variable rate
  • One to five year fixed rates

Offset sub-account

  • The Offset Flyer Home Loan7 comes with one offset sub-account per loan facility. This offset sub-account is linked to one loan account of the client’s choice. When calculating interest payable, the balance in the offset account is deducted from the outstanding debit balance in the linked loan account. Interest is only charged and payable on the net difference thereby reducing the total interest payable on the loan.
  • Where the balance in the offset sub-account exceeds the debit balance in the loan account it is linked to, the balance cannot be used to offset the debt in any other loan account.
repayment types
  • Principal and interest
  • Interest only – up to five years

Line of Credit Flyer Home Loan Package

Download a copy of our Line of Credit Flyer Home Loan Package brochure.

Description

The Line of Credit Flyer Home Loan Package7 allows the equity value of a property to be accessed for other purposes and your clients could be rewarded with Qantas Points8. Additionally, if they opt in to Qantas Frequent Flyer Rewards9 on their Macquarie Visa Platinum Card10, they can maximise their Qantas Points8 earning potential.

The Line of Credit Flyer Home Loan Package7 has been designed to help investors maximise access to equity and optimise their investment opportunities. This fully transactional product offers multiple accounts and interest capitalisation within a global facility.

The global facility feature means that provided the total outstanding facility balance across all accounts remains below the total facility credit limit, individual account limits are only notional.

Standard residential loan purposes such as:

  • Purchase or refinance an owner-occupied or investment property
  • Equity loans for investment or personal purposes.

Product specifics

product specifics
loan term 30 years maximum
minimum and maximum loan amounts

Minimum $150,000

Maximum $2 million. Location and LVR restrictions apply.

Key features
  • Interest capitalisation
  • Global facility
  • Cash card
  • Deposit card
  • Cheque book
  • Up to ten accounts (splits) after settlement (fees may apply)
  • Online and phone banking
interest rate options
  • Variable rate
  • One to five year fixed rates
repayment types

There are no contractual monthly repayments required on the Line of Credit Flyer Home Loan. Payments can be made at any time. A payment will only be required to reduce the loan balance to be the same or less than the total loan limit when, on any given day, the combined balance of all accounts exceed the total loan limit.

Interest only

The Line of Credit Flyer Home Loan has a 30 year loan term made up of two periods, these are:

Interest only repayments for the first five years. Maximum LVR of 90%. Following the initial interest only term of five years, loans may be extended to a maximum 10 year interest only term from the original settlement date, subject to meeting certain lending criteria. A product variation fee may apply. Principal and interest repayments for the remaining 20-25 years.

 

Live interactive training

Are you interested in further training across our mortgages products, processes or systems?

The product engagement team host live training webcasts to you via Webex and telephone. 

You can use Webex on your computer or download a Webex app to join the meeting from your mobile device.

Just click on any of the 'register' buttons below to reserve your place in a live session.

Product and policy webcast

An introduction to Macquarie Bank Mortgage Solutions including:

  • Our product suite
  • Policy basics
  • Where to find help
Date Day Time Webex Meeting No. Register now
On-demand Any Any 32 min recorded session Watch now
28 July 2014 Monday 12.00pm 791 472 656 Register

Loan submissions webcast

  • How to order a valuation
  • Serviceability
  • Loan submission process and tips
Date Day Time Webex Meeting No. Register now
16 July 2014 Wednesday 12.00pm 793 940 303 Register
23 July 2014 Wednesday 12.00pm 792 498 925 Register
30 July 2014 Wednesday 12.00pm 790 330 246 Register

Post settlement tips webcast

  • Order status tracking
  • Third party access
  • Post settlement process and tips
Date Day Time Webex Meeting No. Register now
14 July 2014 Monday 12.00pm 793 960 050 Register
21 July 2014 Monday 12.00pm 795 196 885 Register

 Register now to reserve your place in the webcast of your choice

  1. Click on the relevant registration link above.
  2. You will be asked to register your name, email address, job title, company name and state.
  3. After registering successfully you will receive an email with a link to add the meeting details to your Outlook Calendar.
  4. On the day of the webcast you will receive a reminder email 15 minutes prior to the meeting.
  5. Give yourself at least 15 minutes prior to the start of the meeting to set up Webex if you have not used it before.

All times above are Sydney time.