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Talk to us Refinance online

Save when you refinance

You could save on your home loan with our competitive rates and low fees.

 

Market leading turnaround times

Get a fast response on your home loan application and refinance with confidence.

 

Flexible features

Be in control of your home loan with flexible loan options including split loans and up to 10 offset accounts for each of your variable interest rate home loan accounts.

 

Get a quote in 3 minutes and securely apply online.

Refinance online

Have more questions? Speak to one of our dedicated home loan specialists.

Talk to us

Speak to a dedicated specialist

Our calculator could not provide an estimate. With flexible options, our dedicated home loan specialists could help you find a solution.

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Home loan rates

Choose from flexible loan options such as variable rates, fixed rates or a split home loan.

What's an LVR?
What's a comparison rate?

Owner occupied variable rates

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
≤ 60%6.15% pa6.17% pa6.15% pa6.40% pa
≤ 70%6.15% pa6.17% pa6.15% pa6.40% pa
≤ 80%6.19% pa6.21% pa6.19% pa6.44% pa
≤ 90%6.39% pa6.41% pa6.39% pa6.64% pa
≤ 95%7.19% pa7.22% pa7.19% pa7.43% pa
LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
≤ 60%6.55% pa6.58% pa6.55% pa6.80% pa
≤ 70%6.59% pa6.62% pa6.59% pa6.84% pa
≤ 80%6.75% pa6.78% pa6.75% pa6.99% pa

Owner occupied fixed rates

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
1 year fixed rate°
≤ 70%6.39% pa6.20% pa6.39% pa6.42% pa
≤ 80%6.49% pa6.25% pa6.49% pa6.47% pa
≤ 95%6.75% pa7.17% pa6.75% pa7.38% pa
2 year fixed rate°
≤ 70%6.09% pa6.16% pa6.09% pa6.39% pa
≤ 80%6.15% pa6.21% pa6.15% pa6.43% pa
≤ 95%6.49% pa7.07% pa6.49% pa7.29% pa
3 year fixed rate°
≤ 70%5.99% pa6.13% pa5.99% pa6.35% pa
≤ 80%6.09% pa6.19% pa6.09% pa6.41% pa
≤ 95%6.49% pa7.01% pa6.49% pa7.23% pa
4 year fixed rate°
≤ 70%6.19% pa6.19% pa6.19% pa6.41% pa
≤ 80%6.25% pa6.24% pa6.25% pa6.46% pa
≤ 95%6.65% pa7.01% pa6.65% pa7.23% pa
5 year fixed rate°
≤ 70%6.19% pa6.19% pa6.19% pa6.42% pa
≤ 80%6.25% pa6.24% pa6.25% pa6.46% pa
≤ 95%6.65% pa6.97% pa6.65% pa7.19% pa

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

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
1 year fixed rate°
≤ 70%6.69% pa6.63% pa6.69% pa6.85% pa
≤ 80%6.79% pa6.78% pa6.79% pa7.00% pa
2 year fixed rate°
≤ 70%6.49% pa6.60% pa6.49% pa6.82% pa
≤ 80%6.59% pa6.74% pa6.59% pa6.96% pa
3 year fixed rate°
≤ 70%6.49% pa6.59% pa6.49% pa6.81% pa
≤ 80%6.59% pa6.73% pa6.59% pa6.95% pa
4 year fixed rate°
≤ 70%6.55% pa6.60% pa6.55% pa6.82% pa
≤ 80%6.65% pa6.74% pa6.65% pa6.96% pa
5 year fixed rate°
≤ 70%6.55% pa6.60% pa6.55% pa6.82% pa
≤ 80%6.65% pa6.73% pa6.65% pa6.95% pa

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

Investment variable rates

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
≤ 60%6.34% pa6.36% pa6.34% pa6.59% pa
≤ 70%6.34% pa6.36% pa6.34% pa6.59% pa
≤ 80%6.45% pa6.48% pa6.45% pa6.70% pa
≤ 90%7.29% pa7.32% pa7.29% pa7.53% pa
LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
≤ 60%6.55% pa6.58% pa6.55% pa6.80% pa
≤ 70%6.59% pa6.62% pa6.59% pa6.84% pa
≤ 80%6.75% pa6.78% pa6.75% pa6.99% pa

Investment fixed rates

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
1 year fixed rate°
≤ 70%6.49% pa6.38% pa6.49% pa6.60% pa
≤ 80%6.59% pa6.49% pa6.59% pa6.71% pa
≤ 90%6.89% pa7.27% pa6.89% pa7.49% pa
2 year fixed rate°
≤ 70%6.29% pa6.35% pa6.29% pa6.58% pa
≤ 80%6.39% pa6.46% pa6.39% pa6.68% pa
≤ 90%6.59% pa7.17% pa6.59% pa7.39% pa
3 year fixed rate°
≤ 70%6.29% pa6.35% pa6.29% pa6.57% pa
≤ 80%6.39% pa6.46% pa6.39% pa6.68% pa
≤ 90%6.59% pa7.11% pa6.59% pa7.33% pa
4 year fixed rate°
≤ 70%6.39% pa6.38% pa6.39% pa6.61% pa
≤ 80%6.49% pa6.49% pa6.49% pa6.71% pa
≤ 90%6.69% pa7.09% pa6.69% pa7.31% pa
5 year fixed rate°
≤ 70%6.39% pa6.39% pa6.39% pa6.61% pa
≤ 80%6.49% pa6.49% pa6.49% pa6.71% pa
≤ 90%6.69% pa7.05% pa6.69% pa7.26% pa

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

LVRBasic
Interest rate		Basic
Comparison rate‡		Offset
Interest rate		Offset
Comparison rate‡
1 year fixed rate°
≤ 70%6.69% pa6.63% pa6.69% pa6.85% pa
≤ 80%6.79% pa6.78% pa6.79% pa7.00% pa
2 year fixed rate°
≤ 70%6.49% pa6.60% pa6.49% pa6.82% pa
≤ 80%6.59% pa6.74% pa6.59% pa6.96% pa
3 year fixed rate°
≤ 70%6.49% pa6.59% pa6.49% pa6.81% pa
≤ 80%6.59% pa6.73% pa6.59% pa6.95% pa
4 year fixed rate°
≤ 70%6.55% pa6.60% pa6.55% pa6.82% pa
≤ 80%6.65% pa6.74% pa6.65% pa6.96% pa
5 year fixed rate°
≤ 70%6.55% pa6.60% pa6.55% pa6.82% pa
≤ 80%6.65% pa6.73% pa6.65% pa6.95% pa

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


 

More home loan options

Add an offset 

An offset account will allow your savings to reduce the amount of interest you pay on the variable portion of your loan.

View offset home loans

Split home loan

Divide your home loan into multiple accounts, so you can take advantage of the benefits of both fixed and variable loan accounts. 

View split home loans

Why Macquarie?

Settle for nothing less than great rates and low fees.

Save over the life of your home loan with access to great rates and no hidden fees or charges.

Turnaround times that won’t leave you wondering.

At Macquarie, we pride ourselves on having market-leading turnaround times so you can make your next move with confidence.

When it comes to your home loan, we’re flexible.

With fixed rates for more certainty, variable rates, and offset accounts to reduce the amount of interest you pay - you’ve got options.

An award-winning digital app.~

Plan your future, keep track of your investment, and stay in control. Managing your home loan has never been easier from the palm of your hand.


 

How you could reduce your home loan repayments

Rethinking, refinancing and restructuring could help make your home loan work better for you.

Rethinking, refinancing and restructuring could help make your home loan work better for you.
 

Find out how

Applying online is easy

Submit your application in a few simple steps. Apply if you are 18 years or older and a permanent resident of Australia.

Refinance online


 

Get a quick quote

3 minutes

Answer a few simple questions and we’ll provide a tailored quote with your rate and repayments.

 

Continue to apply online

15 minutes

Provide information about you, your property, what you earn and what you owe.

 

Get an answer fast

Once you’ve submitted your application, one of our friendly banking specialists will review it and get in touch to answer any questions and guide you through the next steps.

 

Talk to a home loan specialist

 

Thanks for your enquiry. We’ll aim to contact you within one business day.

For some enquiries we will contact you via email only.

There has been an error. Please contact us.


If you're refinancing, request a call or contact us on 13 62 27 Monday to Friday 8am - 6pm (Sydney time).

For a faster response on your pre-approval enquiry, try our calculator to estimate your borrowing power and continue to apply online.

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By submitting this form, I acknowledge that I have read Macquarie Bank’s Privacy Statement and understand Macquarie Bank may use my personal information as outlined in the Statement.

Frequently asked questions

The refinance process for each lender may be different. To refinance to a Macquarie home loan, you can apply online or speak to one of our specialists. For more information on the process, visit our help centre.

 

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.
  • current email address and mobile phone number so you can safely use your account online and in Macquarie Mobile Banking
  • identity documents - some documents may need to be certified

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.

For more help and support topics, visit Macquarie Help Centre

Support for customers

Online banking

Log in to manage your account.

Log in

Help and support

Quickly search and find the answer to common questions.

Visit Help Centre

Get in touch

Contact us if you have a question about your account.

Contact 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.

†

Variable rate applies for new loans when you borrow up to 60% of the property value with a principal and interest repayment variable rate loan. Fixed 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.

‡

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.

~

Bank of the year – Digital, Money Magazine 2023.

This information is provided by Macquarie Bank Limited AFSL and 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 30 January 2024 for new loans only and are subject to change.