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Which Macquarie investor home loan is right for me?
Basic home loan
Choose the basic home loan to avoid annual fees but still get all the things you need to keep your investor home loan working hard for you.
- Competitive investor rates upfront.
- Interest only repayment option.
- No application fee.
- Multiple loan splits.
- No annual fees.
- Ability to change your loan for a fee.
Offset home loan
Choose the offset package home loan for even more benefits - jam packed with more value and flexibility.
Speak to a dedicated specialist
Our calculator could not provide an estimate. With flexible options, our dedicated home loan specialists could help you find a solution.
Investor home loan rates
Choose from flexible loan options such as variable rates, fixed rates or a split home loan.
Variable rates
Fixed rates
| LVR | Basic Interest rate | Basic Comparison rate‡ | Offset Interest rate | Offset Comparison rate‡ |
|---|---|---|---|---|
| 1 year fixed rate° | ||||
| ≤ 70% | 6.75% pa | 6.41% pa | 6.75% pa | 6.63% pa |
| ≤ 80% | 6.85% pa | 6.52% pa | 6.85% pa | 6.74% pa |
| ≤ 90% | 7.15% pa | 7.30% pa | 7.15% pa | 7.52% pa |
| 2 year fixed rate° | ||||
| ≤ 70% | 6.55% pa | 6.41% pa | 6.55% pa | 6.63% pa |
| ≤ 80% | 6.65% pa | 6.51% pa | 6.65% pa | 6.74% pa |
| ≤ 90% | 6.85% pa | 7.23% pa | 6.85% pa | 7.44% pa |
| 3 year fixed rate° | ||||
| ≤ 70% | 6.55% pa | 6.42% pa | 6.55% pa | 6.65% pa |
| ≤ 80% | 6.65% pa | 6.53% pa | 6.65% pa | 6.75% pa |
| ≤ 90% | 6.85% pa | 7.19% pa | 6.85% pa | 7.40% pa |
| 4 year fixed rate° | ||||
| ≤ 70% | 6.65% pa | 6.48% pa | 6.65% pa | 6.70% pa |
| ≤ 80% | 6.75% pa | 6.59% pa | 6.75% pa | 6.81% pa |
| ≤ 90% | 6.95% pa | 7.19% pa | 6.95% pa | 7.40% pa |
| 5 year fixed rate° | ||||
| ≤ 70% | 6.65% pa | 6.50% pa | 6.65% pa | 6.72% pa |
| ≤ 80% | 6.75% pa | 6.61% pa | 6.75% pa | 6.83% pa |
| ≤ 90% | 6.95% pa | 7.16% pa | 6.95% pa | 7.38% pa |
| Rates are for new loans and are subject to change. Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest. | ||||
More 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.
Applying online is easy
Submit your application in a few simple steps. Apply if you are 18 years or older and a permanent resident of Australia.
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 banking specialists will review it and get in touch to answer any questions and guide you through the next steps.
Talk to a home loan specialist
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 package 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 will need to provide documents to help us verify rental income. For example, rental income statements or tenancy agreement. The type of documents will depend on whether you a 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 are 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 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.
Support for customers
Additional information
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 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.
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 split loans, with a fixed and variable rate portion, the variable rate loan account must have a minimum limit of $20,000 to qualify for an offset account.
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. Allow up to 10 working days to process your application.
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.
Bank of the year – Digital, Money Magazine 2023.
This information is provided by Macquarie Bank Limited 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.
Home loan information and interest rates are current as at 8 May 2024 for new loans only and are subject to change.