Which home loan is right for you?

A complete banking package with the ability to use your savings to offset the interest you pay or a simple solution with no application or account management fees.

What's your goal?

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Choose from the options below to calculate your repayments and help you find the right home loan.

Purpose of your home loan

To live in
To invest in

Repayment method

Principal & interest
Interest only

Deposit percentage

Your deposit amount


Borrowing amount


More Less calculator options

Offset home loan

Our offset home loan offers you a complete banking package while giving you the ability to use your savings to pay off your loan sooner by reducing the amount of interest you pay.

Rates not currently available.
Contact us and we'll walk you through your home loan options.

Variable rate
Comparison rate*

As an investor owner occupier your repayments will be:


  • Up to 10 offset accounts to help you reach your savings goals
  • Waived annual fee for credit cards1. Plus a Debit MasterCard for everyday transacting
  • Manage all your accounts in the one place

Basic home loan

Our basic home loan gives you a simple solution with a competitive rate and no application or account management fees.

Rates not currently available.
Contact us and we'll walk you through your home loan options.

Variable rate
Comparison rate*

As an investor owner occupier your repayments will be:


  • Competitive interest rates
  • No application or account management fees
  • Flexible loan structure

All months are assumed to be the same length. As many loans accrue interest daily, monthly interest charges may change depending on the number of days in a month.

We have assumed one year is 52 weeks, or 26 fortnights. This therefore assumes a year has 364 days not 365 or 366.

Repayments are rounded down to the lower dollar. The calculator uses unrounded repayments to obtain the amount of interest payable at points along the graph and in total over the loan term. This allows for equal repayment amounts.

The dollar amount you could save is the difference between making extra contributions into the offset account and the total amount of interest owing on a 30 year home loan with no offset contributions.

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

Things to consider

Rate applies for new investment owner occupied loans when you borrow up to % of the property value with a interest only 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 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.

1 For the life of the loan.

^ The annual fee of $248 is charged as $124 every 6 months in arrears based on the loan Settlement Date. One package fee covers up to five loan applications for the same borrower.

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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