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Following the RBA’s decision on 18 February to reduce the official cash rate by 0.25%, we’ve passed on the full RBA rate cut to our home loan customers. Find out more about what this means for your interest rate and repayments.
Home loans
With great rates, low fees and fast turnaround times. Choose the home loan designed with good borrowers in mind.
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Home loan interest rates
Find the best rate for you whether you're buying, refinancing or investing.
From
Variable rate*
Home loan products and features
When it comes to your home loan, we're flexible. Find the home loan that best suits your needs. Choose from:
- A Basic Home Loan with competitive rates and no ongoing fees. Choose from a variable rate, fixed rate or split with multiple loan accounts.
- An Offset Home Loan that allows you to reduce the amount of interest you pay.
Explore calculators and tools
Why Macquarie?
Settle for nothing less than great rates and low fees.
Save over the life of your home loan with access to great rates and no hidden fees or charges.
Turnaround times that won’t leave you wondering.
At Macquarie, we pride ourselves on having market-leading turnaround times so you can make your next move with confidence.
When it comes to your home loan, we’re flexible.
With fixed rates for more certainty, variable rates, and offset accounts to reduce the amount of interest you pay - you’ve got options.
An award-winning digital app.~
Plan your future, keep track of your investment, and stay in control. Managing your home loan has never been easier from the palm of your hand.
Apply today with expert assistance
- Complete at your own pace and save as you go.
- Stay up to date on your application status.
- We'll ensure you're getting our best rate for your circumstances.
- We won't run a credit check until after you submit your application.
- We're here to help if you have any questions through the application process.
Have questions before you apply online?
Our team of home loan experts are here to help. Request a call by completing the form and we’ll typically call you back within 1 business day.
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Additional information
This information is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL and 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.
Variable interest rate and comparison rate for basic owner-occupied home loans with principal and interest repayment. 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 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.
Due to state and territory laws, restrictions may apply to digitally signing the Mortgage Form.
Bank of the year – Digital, Money Magazine 2023.
Home loan information and interest rates are current as at 21 January 2025 for new loans only and are subject to change.