3 ways to save on your home loan

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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

Why Macquarie?

Fast turnaround times

With a straightforward application process and fast turnaround times, you'll get a timely response on the status of your loan.

Flexible loan options

Tailor your loan with options such as splitting between variable and fixed interest rates, adding an offset account, or our low fee basic home loan.

Exceptional service

We'll keep you informed and up to date throughout the process. And if you need any help along the way, our home loan specialists are available to answer any questions.

Great rates and low fees

Macquarie home loans are built on great value. Our competitive rates and low fees help you pay off your home loan faster.

Download your free refinancing guide

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Fill in your details to receive the guide including case studies, tips and tricks, and application checklist to help you navigate the refinancing process.


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Find out more about Macquarie Home Loans.

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Frequently asked questions

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.
A banking 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. All rates are subject to approval and may vary depending on a formal valuation of your property.
A banking 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.

New clients

Our team of dedicated home loan specialists are ready to talk through your home loan needs.

Existing clients

Monday to Friday 8am – 6pm (Sydney time)

1800 007 722

Help and support

Visit our online Help Centre.


"We've moved mortgages before, and this is the first time I can genuinely say a bank actually listened to us."


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 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.

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.


Rate applies to new loans with a variable rate loan. Subject to change without notice.


Rate applies to new loans with a fixed rate loan. Subject to change without notice. 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.


As benchmarked across major lenders.


Rate applies for new home loans with principal and interest repayment fixed rate when you borrow up to 70% of the property value. Subject to change without notice.

The calculations are based on a principal and interest repayment type only. Principal and interest repayments are calculated based on the loan term, interest rate and loan limit.

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.

Home loan information and interest rates are current as at 25 March 2022 for new loans only and are subject to change.