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Talk to a home loan expert

Your dedicated specialist can help:
 

  • Tailor your home loan set up
  • Guide you through the process
  • Find the best rate for you

I bank with Macquarie

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Hear what our customers are saying

Fantastic service. All staff I dealt with at Macquarie Bank were very professional, extremely helpful and made sure we were kept informed about the progress of our loan application.

Christopher
Macquarie customer

We could not be more pleased with the level of customer service and professionalism displayed by Macquarie during our refinancing process.​

Melody
Macquarie customer

Best rate for you icon

Best rate for you

We’ll give you competitive rates upfront, across variable, fixed, principal & interest and interest only options. We reward good borrowers with better rates, so speak to us to work out what rate is right for you.  

 

Tailor your home loan set up

Choose the right home loan for you with help from our local team of experts. They can help guide you and answer questions such as how to make the most of your offset accounts, splitting your loan, or accessing the equity in your property. 

 
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One to one support

Once your application is submitted, you’ll get dedicated support from your banking specialist. They will be your point of contact throughout your journey and keep you informed on the status of your application.

 

Home loan rates

Choose from flexible loan options such as variable rates, fixed rates or a split home loan.

What's an LVR?
What's a comparison rate?

Owner occupied variable rates

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
≤ 60%6.14% pa6.16% pa6.14% pa6.39% pa
≤ 70%6.14% pa6.16% pa6.14% pa6.39% pa
≤ 80%6.19% pa6.21% pa6.19% pa6.44% pa
≤ 90%6.39% pa6.41% pa6.39% pa6.64% pa
≤ 95%7.19% pa7.22% pa7.19% pa7.43% pa
LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
≤ 60%6.50% pa6.53% pa6.50% pa6.75% pa
≤ 70%6.54% pa6.57% pa6.54% pa6.79% pa
≤ 80%6.65% pa6.68% pa6.65% pa6.90% pa

Owner occupied fixed rates

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
1 year fixed rate°
≤ 70%6.65% pa6.22% pa6.65% pa6.44% pa
≤ 80%6.75% pa6.27% pa6.75% pa6.50% pa
≤ 95%6.99% pa7.19% pa6.99% pa7.41% pa
2 year fixed rate°
≤ 70%6.35% pa6.21% pa6.35% pa6.43% pa
≤ 80%6.39% pa6.25% pa6.39% pa6.48% pa
≤ 95%6.75% pa7.13% pa6.75% pa7.34% pa
3 year fixed rate°
≤ 70%6.25% pa6.20% pa6.25% pa6.42% pa
≤ 80%6.35% pa6.26% pa6.35% pa6.48% pa
≤ 95%6.75% pa7.09% pa6.75% pa7.30% pa
4 year fixed rate°
≤ 70%6.45% pa6.28% pa6.45% pa6.50% pa
≤ 80%6.49% pa6.32% pa6.49% pa6.55% pa
≤ 95%6.89% pa7.10% pa6.89% pa7.32% pa
5 year fixed rate°
≤ 70%6.45% pa6.30% pa6.45% pa6.52% pa
≤ 80%6.49% pa6.35% pa6.49% pa6.57% pa
≤ 95%6.89% pa7.08% pa6.89% pa7.30% pa

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
1 year fixed rate°
≤ 70%6.95% pa6.61% pa6.95% pa6.83% pa
≤ 80%7.05% pa6.72% pa7.05% pa6.94% pa
2 year fixed rate°
≤ 70%6.75% pa6.61% pa6.75% pa6.83% pa
≤ 80%6.85% pa6.72% pa6.85% pa6.93% pa
3 year fixed rate°
≤ 70%6.75% pa6.63% pa6.75% pa6.85% pa
≤ 80%6.85% pa6.73% pa6.85% pa6.95% pa
4 year fixed rate°
≤ 70%6.79% pa6.66% pa6.79% pa6.88% pa
≤ 80%6.89% pa6.76% pa6.89% pa6.98% pa
5 year fixed rate°
≤ 70%6.79% pa6.68% pa6.79% pa6.90% pa
≤ 80%6.89% pa6.78% pa6.89% pa7.00% pa

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

Investment variable rates

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
≤ 60%6.34% pa6.36% pa6.34% pa6.59% pa
≤ 70%6.34% pa6.36% pa6.34% pa6.59% pa
≤ 80%6.45% pa6.48% pa6.45% pa6.70% pa
≤ 90%7.29% pa7.32% pa7.29% pa7.53% pa
LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
≤ 60%6.50% pa6.53% pa6.50% pa6.75% pa
≤ 70%6.54% pa6.57% pa6.54% pa6.79% pa
≤ 80%6.65% pa6.68% pa6.65% pa6.90% pa

Investment fixed rates

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
1 year fixed rate°
≤ 70%6.75% pa6.41% pa6.75% pa6.63% pa
≤ 80%6.85% pa6.52% pa6.85% pa6.74% pa
≤ 90%7.15% pa7.30% pa7.15% pa7.52% pa
2 year fixed rate°
≤ 70%6.55% pa6.41% pa6.55% pa6.63% pa
≤ 80%6.65% pa6.51% pa6.65% pa6.74% pa
≤ 90%6.85% pa7.23% pa6.85% pa7.44% pa
3 year fixed rate°
≤ 70%6.55% pa6.42% pa6.55% pa6.65% pa
≤ 80%6.65% pa6.53% pa6.65% pa6.75% pa
≤ 90%6.85% pa7.19% pa6.85% pa7.40% pa
4 year fixed rate°
≤ 70%6.65% pa6.48% pa6.65% pa6.70% pa
≤ 80%6.75% pa6.59% pa6.75% pa6.81% pa
≤ 90%6.95% pa7.19% pa6.95% pa7.40% pa
5 year fixed rate°
≤ 70%6.65% pa6.50% pa6.65% pa6.72% pa
≤ 80%6.75% pa6.61% pa6.75% pa6.83% pa
≤ 90%6.95% pa7.16% pa6.95% pa7.38% pa

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
1 year fixed rate°
≤ 70%6.95% pa6.61% pa6.95% pa6.83% pa
≤ 80%7.05% pa6.72% pa7.05% pa6.94% pa
2 year fixed rate°
≤ 70%6.75% pa6.61% pa6.75% pa6.83% pa
≤ 80%6.85% pa6.72% pa6.85% pa6.93% pa
3 year fixed rate°
≤ 70%6.75% pa6.63% pa6.75% pa6.85% pa
≤ 80%6.85% pa6.73% pa6.85% pa6.95% pa
4 year fixed rate°
≤ 70%6.79% pa6.66% pa6.79% pa6.88% pa
≤ 80%6.89% pa6.76% pa6.89% pa6.98% pa
5 year fixed rate°
≤ 70%6.79% pa6.68% pa6.79% pa6.90% pa
≤ 80%6.89% pa6.78% pa6.89% pa7.00% pa

Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest

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Additional information

This information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) 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.

‡

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.

°

Fixed rate loans 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.

Home loan information and interest rates are current as at 8 May 2024 for new loans only and are subject to change.