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Home loans
With great rates, low fees and fast approval times, more good borrowers are choosing a Macquarie home loan.
Get set to save with one of the lowest ~ variable home loan rates in the market, offset accounts, and Marketplace rewards.
I bank with Macquarie
Home loan options
Variable rate home loans
Enjoy the flexibility to pay off your loan sooner with a variable rate home loan. Combine your loan with offset accounts, so your savings can work to reduce the interest you pay.
“We’re able to offset against our mortgage and save more money" - Exarhos family
Variable rates from
Fixed rate home loans
Lock in certainty on monthly repayments. Your repayments will stay the same throughout the fixed loan term, making it easier to manage your cash flow. Fixed rates are available for 1–5 year terms.
“We were able to lock in a fair and competitive rate” - Laura
More home loan options
Add an offset
An offset account will allow your savings to reduce the amount of interest you pay on the variable portion of your loan.
Learn more
Split home loan
Divide your home loan into multiple accounts, so you can take advantage of the benefits of both fixed and variable loan accounts.
Why Macquarie?
Rewarding good borrowers
At Macquarie we offer flexible loan options, great rates, low fees and an exceptional digital and customer experience. That’s why more Australians are choosing to bank with Macquarie.
“For me, being a good borrower is about not stretching yourself too thin, so you are still building wealth in your home but you also have the freedom to enjoy the things that matter”
Laura
Calculators
Home loan calculators
Budget and plan ahead with our home loan calculators. Calculate your home loan repayments, stamp duty costs, how much you could borrow, and how much you could save by refinancing.
Talk to a home loan specialist
Monday to Friday 8am – 6pm (Sydney time)
You can apply online now.
A home loan specialist will review your application and contact you within 1-2 business days.
Need a tailored home loan solution?
Our team of dedicated home loan specialists are ready to talk through your home loan needs.
Talk to us
Additional information
This information is provided by Macquarie Bank 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.
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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.
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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.
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As benchmarked across major lenders.
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1 year fixed rate° and comparison rate‡ for basic owner-occupied home loans with principal and interest repayments. Rate applies for new loans when you borrow up to 70% of the property value with a principal and interest repayment fixed rate loan. Subject to change without notice.
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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 25 March 2022 for new loans only and are subject to change.