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Home loan refinance savings calculator
Our refinance calculator can help you work out your monthly repayments and potential savings with a Macquarie home loan.
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.
Talk to a home loan expert
Our dedicated home loan specialists could help you find a solution.
- 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.
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Applying online is easy
Submit your application in a few simple steps. You can apply if you are 18 years old or over, an Australian citizen, or a permanent or temporary resident, an Australian tax resident living in Australia, have an Australian mobile number.
Get a quick quote
3 minutes
Answer a few simple questions and we’ll provide a tailored quote with your rate and repayments.
Continue to apply online
15 minutes
Provide information about you, your property, what you earn and what you owe.
Get an answer fast
Once you’ve submitted your application, one of our friendly home loan specialists will review it and get in touch to answer any questions and guide you through the next steps.
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.
Frequently asked questions
The refinance process for each lender may be different. To refinance to a Macquarie home loan, you can apply online or speak to one of our specialists. For more information on the process, visit our help centre.
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.
- current email address and mobile phone number so you can safely use your account online and in Macquarie Mobile Banking
- identity documents - some documents may need to be certified
A home loan 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 and as at the time of applying. All rates are subject to approval and may vary depending on a formal valuation of your property or other rate changes announced during the application process.
A Home Loan 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
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 rates apply to new loans with a variable rate loan account and will vary based on the amount you’d like to borrow, relative to the property value and the repayment type you choose e.g. principal and interest. Fixed rates apply to new loans with a fixed rate loan account. Rates reflect our current advertised rates and are subject to change without notice in the application process.
Fixed rate loan accounts may be subject to significant break costs. Please refer to the loan contracts for terms and conditions regarding break costs. At the end of the fixed rate period, the interest rate will revert to the discount variable rate applicable at that time.
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.
The Offset Home Loan Facility fee is payable in exchange for the ability to open and link offset accounts. The fee is payable in two equal instalments every 6 months per facility. The first fee is payable 6 months after your settlement date, then the Offset Home Loan Facility fee is payable every 6 months thereafter (unless you switch your loan to a Basic Home Loan).
The information in this calculator is by way of example only and is not a prediction or professional financial advice. Calculations are not forecasts, but may assist you in making your own projections. Subject to law, Macquarie will not be liable for any loss or damage caused by your use of the calculator. The information in the calculator does not constitute an offer to lend or imply the product is suitable for you.
Home loan information and interest rates are current as at 15 October 2024 for new loans only and are subject to change.