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Which Macquarie investor home loan is right for me?
Competitive investor rates
Check out our competitive investor rates with interest only repayments available for up to 5 years.
Fast turnaround times
Whether you’re buying or refinancing, you can expect a fast response on your home loan application.
Flexible set-up
Be in control of your investor home loan with multiple loan accounts for optimal flexibility. Learn more about multiple loan accounts.ⓘ
Investor home loan rates
Rates are for new loans and are subject to change.
Variable interest rates
Fixed interest rates
Repayment type
| Basic home loan product ⓘ | Offset home loan product ⓘ | |||
|---|---|---|---|---|
| LVR ⓘ | Interest rate | Comparison rate ⓘ | Interest rate | Comparison rate ⓘ |
| 1 year fixed rate° | ||||
| ≤ 70% | 5.99% pa | 6.33% pa | 5.99% pa | 6.55% pa |
| ≤ 80% | 6.09% pa | 6.44% pa | 6.09% pa | 6.66% pa |
| ≤ 90% | 6.49% pa | 7.23% pa | 6.49% pa | 7.45% pa |
| 2 year fixed rate° | ||||
| ≤ 70% | 5.85% pa | 6.27% pa | 5.85% pa | 6.49% pa |
| ≤ 80% | 5.95% pa | 6.38% pa | 5.95% pa | 6.60% pa |
| ≤ 90% | 6.19% pa | 7.09% pa | 6.19% pa | 7.31% pa |
| 3 year fixed rate° | ||||
| ≤ 70% | 5.85% pa | 6.23% pa | 5.85% pa | 6.45% pa |
| ≤ 80% | 5.95% pa | 6.33% pa | 5.95% pa | 6.56% pa |
| ≤ 90% | 6.19% pa | 6.99% pa | 6.19% pa | 7.21% pa |
| 4 year fixed rate° | ||||
| ≤ 70% | 5.85% pa | 6.19% pa | 5.85% pa | 6.41% pa |
| ≤ 80% | 5.95% pa | 6.29% pa | 5.95% pa | 6.52% pa |
| ≤ 90% | 6.19% pa | 6.90% pa | 6.19% pa | 7.12% pa |
| 5 year fixed rate° | ||||
| ≤ 70% | 5.85% pa | 6.15% pa | 5.85% pa | 6.38% pa |
| ≤ 80% | 5.95% pa | 6.26% pa | 5.95% pa | 6.48% pa |
| ≤ 90% | 6.19% pa | 6.82% pa | 6.19% pa | 7.04% pa |
| Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest. | ||||
What type of property investor are you?
Whatever stage you’re at in your investment journey, consider if you’ve got the right home loan for the long run.
Calculators and tools for investors
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.
Frequently asked questions
When determining the interest rate, lenders calculate the risk associated for different types of home loans. Investor home loans are generally assessed with higher risk than owner occupier home loans because rental income is not guaranteed and there is a chance that the property may be vacant for periods of time.
At Macquarie, we offer two home loan products that can be used by property investors, an offset home loan and a basic home loan.
Our offset home loan allows you to establish up to 10 offset accounts for each variable interest rate loan account.† This home loan is beneficial if you want to structure your savings in ways that work for you. You may want to set up an offset account to receive rental payments from your tenants. You can also establish an offset account to accrue savings for property-related expenses, such as strata or council rates. The offset home loan has an annual offset home loan fee of $248 per annum.
Our basic home loan gives you a simple solution with a great rate and no account management fees. This home loan can be good for investors who want a simple loan structure with no additional accounts attached to it.
Equity is the difference between the fair market value of your property and the amount you have left on your loan balance. Some investors may want to leverage the equity in their existing property for an investment home loan. Remember, the value of your property is subject to current market conditions. You may be able to release more equity in a market where house prices are rising, than in one where they’re falling.
In addition to the usual documents required for owner occupier home loans, you’ll need to provide documents to help us verify rental income. For example, rental income statements or a tenancy agreement. The type of documents will depend on whether you’re refinancing an existing investment home loan or applying for a new investment property home loan.
Your borrowing capacity will depend on a range of factors. Try our borrowing power calculator for a tailored estimate of how much you could borrow.
LVR is the amount you need to borrow, calculated as a percentage of the value of your property. For example, if your loan amount is $400K and your property value is $500K, then your LVR is 80%.
Once you’ve completed an application with your broker or home loan specialist, we can (in most cases) provide you with a pre-approval within one business day if your application qualifies. Once you’re successful with a property and provide us with all required documentation, we work quickly to provide you with unconditional approval and open your home loan account.
This timing depends on how quickly we can verify your identity, assess your application, and transfer security.
We’ll let you know by email if your application is successful and then work with your solicitor or representative to arrange the settlement. Once completed we’ll let you know when your account is open and ready to use.
If you have any questions about the status of your application, talk to your broker or your home loan specialist.
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- 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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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.
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.
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.
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.
Open up to 10 offset accounts per variable loan account if you have an individual or joint borrower home loan. Company and trust borrowers can open up to 4 offset accounts which must be opened at application. Offset accounts cannot be linked to fixed rate loan accounts. For loans, with both a fixed and variable rate loan account, the variable rate loan account must have a minimum limit of $20,000 to enable an offset account to be linked. Only applicable for Offset Home Loans.
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).
Feature is only available on the offset home loan package. An offset home loan package is a home loan with fully transactional offset accounts, optional credit card (subject to credit approval) and one fee free variation each year.
Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply.
We don’t charge fees for card purchases or transactions made or processed outside Australia but others, such as the banks of international merchants, might.
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Due to state and territory laws, restrictions may apply to digitally signing the Mortgage Form.
Home loan information and interest rates are current as at 15 October 2024 for new loans only and are subject to change.