A home loan built on value

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Basic Home Loan


Free redraw

When you redraw from your loan using online banking.


Flexible loan structure

Create up to six loan accounts with different rate and repayment type.

Low interest rates

Choose variable, fixed, or a combination of both.

Current interest rate

Owner occupied

Rate applies to principal and interest loans.

3.75% pa
Variable rate
3.75% pa
Comparison rate*


Rate applies to principal and interest loans.

3.94% pa
Variable rate
3.94% pa
Comparison rate*

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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. Rate applies to principal and interest 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.

Other great features

Earn Qantas Points1

Opt in to receive Qantas Points (different rates apply) on the balance of your loan2. Now with 80,000 bonus points#.

Optional credit card

Apply for a Macquarie credit card with your Basic Home Loan and we’ll waive the first year’s annual cardholder fees. Conditions apply.

Macquarie says hello to Apple Pay

A smarter way to pay

We're excited to tell you that Apple Pay is now available on all Macquarie debit and credit cards. It is an easy and secure way to make payments instore, in apps and on the web with Safari on your Apple device.

Digital banking designed for you

A smarter, simpler banking experience

Stay on top of your finances better than ever before with our cutting-edge digital banking tools that do the thinking for you.

Future-driven features

Discover better ways to bank with our state-of-the art features. Search your transactions using everyday language, upload receipts, pinpoint the exact location of a purchase, and more.

Do it all in one place

You can do a whole lot more than view transactions using Macquarie online and mobile banking. Manage every aspect of your money, from tracking your spending to creating monthly budgets.

You’re always in control

Manage your money how you want, when you want. Use our app to upload receipts, receive spending notifications, and lock your cards, all from the palm of your hand. 

Ready to apply? Get started below.