Offset home loan

Pay off your loan sooner by using your savings to reduce the amount of interest you pay.

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Macquarie Offset Home Loan

A smarter home loan with a complete banking package

$0 international transaction fees

When you shop overseas or withdraw cash from your Macquarie Debit Mastercard®.

Up to 10 offset accounts per loan

To help you reach your savings goals, with the option of a linked Debit Mastercard® for everyday transacting.

Unlimited loan accounts

Open unlimited loan account splits after settlement with differing repayment types.

Credit cards3

Waived annual fee for credit cards and receive a competitive rate of 5.90% on purchases for the first 14 months2.

Digital tools to help you save smarter

Manage every aspect of your money, from tracking your spending to creating monthly budgets.

Earn Qantas Points1

Opt in to receive Qantas Points (different rates may apply)

Points calculator

Rates and fees

Complete transparency

Owner occupier

3.09% pa
Variable rate
3.35% pa
Comparison rate*


3.39% pa
Variable rate
3.65% pa
Comparison rate*

Establishment fee


Monthly fee


Annual fee


Other fees may apply.


Calculate how much you could save

Question 1 of 6Question 2 of 6Question 3 of 6Question 4 of 6Question 5 of 6Your detailsProcessing...Your results

Which describes your next home loan?

New home loan
Not sure

How much would you like to borrow?

Enter amount

Oops, this value seems out of our range.

Try values above $50k and below $15m.

How much deposit have you saved?

Enter amount

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Please make sure you have at least 10% deposit.

Your starting offset account balance?

Enter amount

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Savings should be less than property value.

Monthly offset account contributions?

Enter amount

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Please keep monthly contributions within reason.

One last step

Enter your details below or skip ahead.

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Putting $800/mth into your offset account could save you:

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Please contact us and we'll walk you through your home loan options.

Reduce your interest and repayments by:

$135,606 /year

This is equivalent to a family trip to the movies° This is equivalent to a family trip to Taronga Zoo° This is equivalent to an average energy bill° This is equivalent to a month’s worth of groceries° This is equivalent to a two-day family pass to Disneyland California° This is equivalent to two return flights to New York° This is equivalent to a 7 night family holiday in Fiji° This is equivalent to a 5 night holiday package in the Maldives° This is equivalent to a business class return flight to London°

Giving you a total savings of:


over the life of your loan

Equivalent to a reduction off your home loan:

11 years, 4 months

off the life of your loan

Your home loan repayments would be:

$2,298 /month

Based on a principal and interest investmentowner occupier loan of with a % LVR, a variable interest rate of % pa and comparison rate of % pa is assumed resulting in minimum monthly repayments of . Interest savings are calculated based on your initial contribution of plus your monthly contributions of per month to your offset account.

This calculator does not include the annual offset account fee of $248^.

Rate applies for new investmentowner occupied loans when you borrow up to % of the property value with a interest onlyprincipal and interest repayment variable rate offset home loan package. Subject to change without notice.

* The comparison rates are based on a loan for $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

The information contained in this calculator is by way of example only and should not be regarded as a prediction, or as personal advice. Calculations are not forecasts or projections but is a tool that may assist you to make your own projections. The calculator is not intended to be a substitute for professional financial advice. Other than as required under consumer protection law, under no circumstances will Macquarie be liable for any loss or damage caused by a user's reliance on information obtained by using this calculator. Macquarie specifically disclaims any liability for any damages arising out of or in any way connected with the access to or use of this calculator. The information in this calculator does not constitute an offer to lend, or imply the product is suitable for you. If you wish to apply for a loan, then you need to complete the application form available from our staff.

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