Current processing times

Excluding trust and construction loans.

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Up to 2 hours

  Average time to file pick up

Up to 2 hours

Icon of a document being examined  Average time to assessment

Offset home loan

Owner occupied with principal and interest repayments

LVRInterest rateComparison rate*
≤ 60%6.15% pa6.40% pa
≤ 70%6.15% pa6.40% pa
≤ 80%6.19% pa6.44% pa
≤ 90%6.39% pa6.64% pa
≤ 95%7.19% pa7.43% pa

Investment P&I

LVRInterest rateComparison rate*
≤ 60%6.34% pa6.59% pa
≤ 70%6.34% pa6.59% pa
≤ 80%6.45% pa6.70% pa
≤ 90%7.29% pa7.53% pa

Variable rates

Owner occupied with principal and interest repayments

LVRInterest rateComparison rate*
≤ 60%6.15% pa6.40% pa
≤ 70%6.15% pa6.40% pa
≤ 80%6.19% pa6.44% pa
≤ 90%6.39% pa6.64% pa
≤ 95%7.19% pa7.43% pa

Investment P&I

LVRInterest rateComparison rate*
≤ 60%6.34% pa6.59% pa
≤ 70%6.34% pa6.59% pa
≤ 80%6.45% pa6.70% pa
≤ 90%7.29% pa7.53% pa

Fixed rates

Owner Occupied with principal and interest repayments

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

LVRInterest rateComparison rate*
1 year fixed rate^
≤ 70%6.39% pa6.42% pa
≤ 80%6.49% pa6.47% pa
≤ 95%6.75% pa7.38% pa
2 year fixed rate^
≤ 70%6.09% pa6.39% pa
≤ 80%6.15% pa6.43% pa
≤ 95%6.49% pa7.29% pa
3 year fixed rate^
≤ 70%5.99% pa6.35% pa
≤ 80%6.09% pa6.41% pa
≤ 95%6.49% pa7.23% pa
4 year fixed rate^
≤ 70%6.19% pa6.41% pa
≤ 80%6.25% pa6.46% pa
≤ 95%6.65% pa7.23% pa
5 year fixed rate^
≤ 70%6.19% pa6.42% pa
≤ 80%6.25% pa6.46% pa
≤ 95%6.65% pa7.19% pa

Investment with principal and interest repayments

LVRInterest rateComparison rate*
1 year fixed rate^
≤ 70%6.49% pa6.60% pa
≤ 80%6.59% pa6.71% pa
≤ 90%6.89% pa7.49% pa
2 year fixed rate^
≤ 70%6.29% pa6.58% pa
≤ 80%6.39% pa6.68% pa
≤ 90%6.59% pa7.39% pa
3 year fixed rate^
≤ 70%6.29% pa6.57% pa
≤ 80%6.39% pa6.68% pa
≤ 90%6.59% pa7.33% pa
4 year fixed rate^
≤ 70%6.39% pa6.61% pa
≤ 80%6.49% pa6.71% pa
≤ 90%6.69% pa7.31% pa
5 year fixed rate^
≤ 70%6.39% pa6.61% pa
≤ 80%6.49% pa6.71% pa
≤ 90%6.69% pa7.26% pa

 

Ongoing account fees

Fee typeFee amount
Application fee$0
Monthly fee$0
Annual package fee$248

 

Other fees and charges may apply.

Basic home loan

Owner occupied with principal and interest repayments

LVRInterest rateComparison rate*
≤ 60%6.15% pa6.17% pa
≤ 70%6.15% pa6.17% pa
≤ 80%6.19% pa6.21% pa
≤ 90%6.39% pa6.41% pa
≤ 95%7.19% pa7.22% pa

Investment P&I

LVRInterest rateComparison rate*
≤ 60%6.34% pa6.36% pa
≤ 70%6.34% pa6.36% pa
≤ 80%6.45% pa6.48% pa
≤ 90%7.29% pa7.32% pa

Variable rates

Owner occupied with principal and interest repayments

LVRInterest rateComparison rate*
≤ 60%6.15% pa6.17% pa
≤ 70%6.15% pa6.17% pa
≤ 80%6.19% pa6.21% pa
≤ 90%6.39% pa6.41% pa
≤ 95%7.19% pa7.22% pa

Investment P&I

LVRInterest rateComparison rate*
≤ 60%6.34% pa6.36% pa
≤ 70%6.34% pa6.36% pa
≤ 80%6.45% pa6.48% pa
≤ 90%7.29% pa7.32% pa

Fixed rates

Owner Occupied with principal and interest repayments

LVRInterest rateComparison rate*
1 year fixed rate^
≤ 70%6.39% pa6.20% pa
≤ 80%6.49% pa6.25% pa
≤ 95%6.75% pa7.17% pa
2 year fixed rate^
≤ 70%6.09% pa6.16% pa
≤ 80%6.15% pa6.21% pa
≤ 95%6.49% pa7.07% pa
3 year fixed rate^
≤ 70%5.99% pa6.13% pa
≤ 80%6.09% pa6.19% pa
≤ 95%6.49% pa7.01% pa
4 year fixed rate^
≤ 70%6.19% pa6.19% pa
≤ 80%6.25% pa6.24% pa
≤ 95%6.65% pa7.01% pa
5 year fixed rate^
≤ 70%6.19% pa6.19% pa
≤ 80%6.25% pa6.24% pa
≤ 95%6.65% pa6.97% pa

Investment with principal and interest repayments

LVRInterest rateComparison rate*
1 year fixed rate^
≤ 70%6.49% pa6.38% pa
≤ 80%6.59% pa6.49% pa
≤ 90%6.89% pa7.27% pa
2 year fixed rate^
≤ 70%6.29% pa6.35% pa
≤ 80%6.39% pa6.46% pa
≤ 90%6.59% pa7.17% pa
3 year fixed rate^
≤ 70%6.29% pa6.35% pa
≤ 80%6.39% pa6.46% pa
≤ 90%6.59% pa7.11% pa
4 year fixed rate^
≤ 70%6.39% pa6.38% pa
≤ 80%6.49% pa6.49% pa
≤ 90%6.69% pa7.09% pa
5 year fixed rate^
≤ 70%6.39% pa6.39% pa
≤ 80%6.49% pa6.49% pa
≤ 90%6.69% pa7.05% pa

Ongoing account fees

Fee typeFee amount
Application fee$0
Monthly fee $0
Annual fee
$0

 

Other fees and charges may apply.

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Additional information

This information is provided by Macquarie Bank Limited ABN 46 008 583 542 Australian Credit Licence 237502 for the use of licensed and accredited brokers only. In no circumstances is it to be used by a potential client for the purposes of making a decision about a financial product or class of products.

Excluding trust and construction loans.

*

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 your clients to their 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 30 January 2024 for new loans only and are subject to change.