Versatile solutions to suit your clients' needs
Macquarie Home Loans
Standard loans
Does your client prefer a simple loan with no account management fees, or an offset account? With our flexible and fully-featured standard loans, your clients can choose the features that suit their needs.
A low rate home loan with no application fees and no account management fees. This loan is for anyone who wants to buy or refinance a home or invest in property.
Free redraw
Flexible loan structure
Low interest rates
Pay no fee when you redraw from your loan using online banking.
Choose variable, fixed, or a combination of both.
Apply for a Macquarie credit card with your Basic Home Loan and we’ll waive the first year’s annual cardholder fee. Conditions apply.2
Create up to six loan accounts, with different rates and repayment types.
Opt in to receive Qantas Points (different rates apply).1 Qantas Points earned upfront and each month if the outstanding Basic Home Loan balance is at least $150,000 on the last business day of the month.
A complete home loan solution with a fully transactional offset account that lets you use your balance to reduce interest payments.
Up to 10 offset accounts
Unlimited loan accounts
Macquarie credit card
Up to 10 per loan, each functioning as a fully transactional account.
Choose variable, fixed, or a combination of both.
Opt in to receive Qantas Points (different rates apply).1 Qantas Points earned upfront and each month if the outstanding Offset Home Loan balance is at least $150,000 on the last business day of the month.
Open unlimited loan account splits after settlement with differing repayment types.
Get a Macquarie credit card with no annual fee for the life of the home loan. Conditions apply.3
Offset account comes with a Debit MasterCardTM, giving you control, convenience and worldwide acceptance.
SMSF loans
Allows your clients to purchase residential investment property within their SMSF.
Tailor made for self-managed super funds (SMSFs), this residential property home loan is high on features and low on fees.
Tailored for SMSF investors
Competitive interest rates
Borrow up to 70%
Benefit from our experience in helping people own property within their SMSF.
Borrow up to $1,000,000 (70%) of a residential investment property purchased through an SMSF.
Useful information to help you make the right decision.
Fixed $500 application fee and $1,430 solicitor’s fee. Fees are subject to change.
Choose variable, fixed, or a combination of both.
No monthly fees or guarantor fees. Other fees may apply.
Available to SMSFs with a minimum of $250,000 in net assets. One or more of the members of the SMSF must already own property in their own name outside of the fund.
Variable rates
| Standard variable rate | 5.30% pa |
| Comparison rate* | 5.30% pa |
| Investment variable rate | 5.87% pa |
| Comparison rate* | 5.87% pa |
Rate applies for new loans when you borrow up to 70% of the property value with a principal and interest repayment variable rate loan. Subject to change without notice.
| Loan type | Owner Occupied Borrower rate | Owner Occupied Comparison rate* | Investment Borrower rate | Investment Comparison rate* |
|---|---|---|---|---|
| Basic Home Loan | 3.69% pa | 3.69% pa | 3.99% pa | 3.99% pa |
| Offset Home Loan |
3.69% pa | 3.94% pa | 3.99% pa | 4.24% pa |
| Basic Home Loan with Qantas Flyer Feature |
3.74% pa | 3.74% pa | 4.04% pa | 4.04% pa |
| Offset Home Loan with Qantas Flyer Feature |
3.74% pa | 3.99% pa | 4.04% pa | 4.29% pa |
Information and interest rates are current as at 26 October 2017 and are subject to change.
Fees & Charges
At the end of the fixed rate period, the interest rate will revert to the current standard discounted rates. Our Standard Variable rate is currently 5.30% pa (variable and comparison* for owner occupied loans and our Investment Variable Rate is currently 5.87% pa (variable and comparison*) for investment loans. You will be notified of the discount that applies to your rate prior to the end of your fixed rate period.
Fixed rate loans may be subject to significant break costs. Please refer to your loan contract and terms for details of break costs applicable
Fees and charges may apply. See the full schedule of fees and charges.
* 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 rates
Current as at 26 October 2017
Macquarie Bank Basic Home Loans (Principal and Interest Repayments)
| Fixed rates | Owner Occupied Fixed rate | Owner Occupied Fixed Comparison rate* | Investment Fixed rate | Investment Fixed Comparison rate* |
|---|---|---|---|---|
| 1 year fixed rate | 3.88% pa | 3.80% pa | 4.24% pa | 4.29% pa |
| 2 year fixed rate | 3.88% pa | 3.81% pa | 4.24% pa | 4.28% pa |
| 3 year fixed rate | 3.88% pa | 3.81% pa | 4.39% pa | 4.32% pa |
| 4 year fixed rate | 4.39% pa | 3.99% pa | 4.59% pa | 4.39% pa |
| 5 year fixed rate | 4.39% pa | 4.03% pa | 4.59% pa | 4.41% pa |
Rate applies for new loans when you borrow up to 80% of the property value with a principal and interest repayment fixed rate loan. Subject to change without notice.
Fees & Charges
At the end of the fixed rate period, the interest rate will revert to the current standard discounted rates. Our Standard Variable rate is currently 5.30% pa (variable and comparison* for owner occupied loans and our Investment Variable Rate is currently 5.87% pa (variable and comparison*) for investment loans. You will be notified of the discount that applies to your rate prior to the end of your fixed rate period.
Fixed rate loans may be subject to significant break costs. Please refer to your loan contract and terms for details of break costs applicable
Fees and charges may apply. See the full schedule of fees and charges.
Information and interest rates are current as at 26 October 2017 and are subject to change.
* 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.
† Variable & Fixed rates for Basic Flyer and Offset Flyer Packages + 0.05%
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