The home loan that really pays off

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Offset Home Loan

10

Offset accounts

Up to 10 per loan, each functioning as a fully transactional account.

Unlimited loan accounts

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

Low interest rates

Choose variable, fixed, or a combination of both.

Macquarie credit card

Get a Macquarie credit card with 5.90% on purchases for the first 14 months^ and no annual fee for the life of the home loan. Conditions apply.

Current interest rate

Owner occupied

Rate applies to principal and interest loans.

3.69% pa
Variable rate
3.94% pa
Comparison rate*

Investment

Rate applies to principal and interest loans.

3.99% pa
Variable rate
4.24% 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.

* 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 may apply)2.

Debit MasterCard

Each offset account comes with a Debit MasterCard, giving you control, convenience and worldwide acceptance.

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.