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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 Package 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 Home Loan Package 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.

Rates

Variable rates

Standard variable rate 5.36% pa
Comparison rate* 5.36% pa
Investment variable rate 5.97% pa
Comparison rate* 5.97% pa
Loan typeOwner Occupied
Borrower rate
Owner Occupied
Comparison rate*
Investment
Borrower rate
Investment
Comparison rate*
Basic Home Loan 3.75% pa 3.75% pa 3.99% pa 3.99% pa
Offset Home Loan Package
3.75% pa 4.00% pa 3.99% pa 4.24% pa
Basic Home Loan with Qantas Flyer Feature 3.80% pa 3.80% pa 4.04% pa 4.04% pa
Offset Home Loan Package with Qantas Flyer Feature 3.80% pa 4.05% pa 4.04% pa 4.29% pa

Information and interest rates are current as at 13 July 2018 and are subject to change.

Rate applies for new Home 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.

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 and Standard Interest Only Variable rate are currently 5.36% pa and 5.75% pa respectively (variable and comparison *) for Basic owner occupied home loans. Our Investment Variable rate and Investment Interest Only Variable rate are 5.97% pa and 6.32% pa respectively (variable and comparison * for Basic investment home 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.

† Variable & Fixed rates for Basic Flyer and Offset Flyer Packages + 0.05%

Fixed rates

Current as at 13 July 2018

Macquarie Bank Basic Home Loans (Principal and Interest Repayments)

Fixed ratesOwner Occupied Fixed rateOwner Occupied Fixed Comparison rate*Investment Fixed rateInvestment Fixed Comparison rate*
1 year fixed rate 3.88% pa 3.76% pa 3.99% pa 3.99% pa
2 year fixed rate 3.99% pa 3.79% pa 4.19% pa 4.03% pa
3 year fixed rate 3.99% pa 3.81% pa 4.29% pa 4.07% pa
4 year fixed rate 4.39% pa 3.96% pa 4.49% pa 4.16% pa
5 year fixed rate 4.49% pa 4.05% pa 4.59% pa 4.24% pa

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.

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 and Standard Interest Only Variable rate are currently 5.36% pa and 5.75% pa respectively (variable and comparison *) for Basic owner occupied home loans. Our Investment Variable rate and Investment Interest Only Variable rate are 5.97% pa and 6.32% pa respectively (variable and comparison * for Basic investment home 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 13 July 2018 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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