Macquarie home loans

2 home loans with 24 options: variable or fixed from 1 to 5 years, for owner-occupiers or investors, paying principal and interest or interest only. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.

Loan	Variable	1 yr fixed	2 yr	3 yr	4 yr	5 yr	Go to site
Macquarie Basic Home LoanNo ongoing fee	6.36%	6.39%	6.42%	6.45%	6.49%	6.52%	Go to site
Macquarie Offset Home LoanOffset account · no ongoing fee	6.59%	6.61%	6.65%	6.67%	6.71%	6.74%	Go to site

Macquarie Basic Home LoanNo ongoing fee6.36%
Macquarie Offset Home LoanOffset account · no ongoing fee6.59%

The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.

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

Compare all 321 home loans

Compare Macquarie side by side

Often compared with: ING · CommBank

October 20264 changes

20Tue

Macquarie Offset Home Loan26 variants cut 0.01 to 0.09

All Interest Only

Variable · Investor · 60–70% LVR	6.89	→	6.84	−0.05
Variable · Investor · ≤60% LVR	6.85	→	6.84	−0.01
Variable · Owner-occupier · 60–70% LVR	6.89	→	6.84	−0.05
Variable · Owner-occupier · ≤60% LVR	6.85	→	6.84	−0.01
Variable · Owner-occupier · 70–80% LVR	6.98	→	6.89	−0.09
Variable · Investor · 70–80% LVR	6.98	→	6.89	−0.09
1yr Fixed · Investor · ≤70% LVR	6.91	→	6.86	−0.05
1yr Fixed · Owner-occupier · ≤70% LVR	6.91	→	6.86	−0.05
3yr Fixed · Owner-occupier · ≤70% LVR	6.97	→	6.94	−0.03
1yr Fixed · Owner-occupier · 70–80% LVR	7.01	→	6.92	−0.09
2yr Fixed · Owner-occupier · ≤70% LVR	6.94	→	6.91	−0.03
1yr Fixed · Investor · 70–80% LVR	7.01	→	6.92	−0.09
2yr Fixed · Investor · ≤70% LVR	6.94	→	6.91	−0.03
3yr Fixed · Investor · ≤70% LVR	6.97	→	6.94	−0.03
4yr Fixed · Owner-occupier · ≤70% LVR	7.01	→	6.98	−0.03
5yr Fixed · Investor · ≤70% LVR	7.04	→	7.01	−0.03
4yr Fixed · Investor · ≤70% LVR	7.01	→	6.98	−0.03
5yr Fixed · Owner-occupier · ≤70% LVR	7.04	→	7.01	−0.03
2yr Fixed · Owner-occupier · 70–80% LVR	7.04	→	6.96	−0.08
3yr Fixed · Investor · 70–80% LVR	7.07	→	7.00	−0.07
2yr Fixed · Investor · 70–80% LVR	7.04	→	6.96	−0.08
3yr Fixed · Owner-occupier · 70–80% LVR	7.07	→	7.00	−0.07
4yr Fixed · Investor · 70–80% LVR	7.11	→	7.05	−0.06
5yr Fixed · Investor · 70–80% LVR	7.14	→	7.08	−0.06
5yr Fixed · Owner-occupier · 70–80% LVR	7.14	→	7.08	−0.06
4yr Fixed · Owner-occupier · 70–80% LVR	7.11	→	7.05	−0.06

−0.09 to −0.01

Macquarie Basic Home Loan26 variants cut 0.01 to 0.10

All Interest Only

Variable · Investor · 60–70% LVR	6.67	→	6.62	−0.05
Variable · Owner-occupier · 60–70% LVR	6.67	→	6.62	−0.05
Variable · Investor · ≤60% LVR	6.63	→	6.62	−0.01
Variable · Owner-occupier · ≤60% LVR	6.63	→	6.62	−0.01
Variable · Owner-occupier · 70–80% LVR	6.77	→	6.67	−0.10
Variable · Investor · 70–80% LVR	6.77	→	6.67	−0.10
1yr Fixed · Investor · ≤70% LVR	6.69	→	6.64	−0.05
1yr Fixed · Owner-occupier · ≤70% LVR	6.69	→	6.64	−0.05
3yr Fixed · Investor · ≤70% LVR	6.75	→	6.72	−0.03
2yr Fixed · Investor · ≤70% LVR	6.73	→	6.69	−0.04
2yr Fixed · Owner-occupier · ≤70% LVR	6.73	→	6.69	−0.04
1yr Fixed · Investor · 70–80% LVR	6.79	→	6.70	−0.09
3yr Fixed · Owner-occupier · ≤70% LVR	6.75	→	6.72	−0.03
1yr Fixed · Owner-occupier · 70–80% LVR	6.79	→	6.70	−0.09
5yr Fixed · Owner-occupier · ≤70% LVR	6.82	→	6.79	−0.03
4yr Fixed · Owner-occupier · ≤70% LVR	6.79	→	6.76	−0.03
5yr Fixed · Investor · ≤70% LVR	6.82	→	6.79	−0.03
4yr Fixed · Investor · ≤70% LVR	6.79	→	6.76	−0.03
3yr Fixed · Investor · 70–80% LVR	6.85	→	6.78	−0.07
2yr Fixed · Owner-occupier · 70–80% LVR	6.83	→	6.75	−0.08
3yr Fixed · Owner-occupier · 70–80% LVR	6.85	→	6.78	−0.07
2yr Fixed · Investor · 70–80% LVR	6.83	→	6.75	−0.08
4yr Fixed · Owner-occupier · 70–80% LVR	6.90	→	6.83	−0.07
5yr Fixed · Owner-occupier · 70–80% LVR	6.92	→	6.87	−0.05
4yr Fixed · Investor · 70–80% LVR	6.90	→	6.83	−0.07
5yr Fixed · Investor · 70–80% LVR	6.92	→	6.87	−0.05

−0.10 to −0.01

15Thu

Macquarie Offset Home Loan65 variants up 0.13 to 0.2515 days after the RBA rise to 4.60%

Variable · P&I · Owner-occupier · ≤60% LVR	6.29	→	6.54	+0.25
Variable · P&I · Owner-occupier · 60–70% LVR	6.29	→	6.54	+0.25
Variable · P&I · Owner-occupier · 70–80% LVR	6.34	→	6.59	+0.25
Variable · P&I · Investor · ≤60% LVR	6.39	→	6.64	+0.25
Variable · P&I · Investor · 60–70% LVR	6.44	→	6.69	+0.25
Variable · P&I · Investor · 70–80% LVR	6.49	→	6.74	+0.25
1yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.34	→	6.56	+0.22
Variable · P&I · Owner-occupier · 80–90% LVR	6.54	→	6.79	+0.25
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.39	→	6.61	+0.22
Variable · Interest Only · Investor · 60–70% LVR	6.64	→	6.89	+0.25
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.40	→	6.60	+0.20
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.44	→	6.62	+0.18
Variable · Interest Only · Investor · ≤60% LVR	6.60	→	6.85	+0.25
Variable · Interest Only · Owner-occupier · 60–70% LVR	6.64	→	6.89	+0.25
Variable · Interest Only · Owner-occupier · ≤60% LVR	6.60	→	6.85	+0.25
1yr Fixed · P&I · Investor · ≤70% LVR	6.48	→	6.71	+0.23
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.55	→	6.69	+0.14
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.45	→	6.65	+0.20
Variable · Interest Only · Owner-occupier · 70–80% LVR	6.74	→	6.98	+0.24
Variable · Interest Only · Investor · 70–80% LVR	6.74	→	6.98	+0.24
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.49	→	6.67	+0.18
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.51	→	6.66	+0.15
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.56	→	6.71	+0.15
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.60	→	6.74	+0.14
1yr Fixed · P&I · Investor · 70–80% LVR	6.53	→	6.76	+0.23
2yr Fixed · P&I · Investor · ≤70% LVR	6.55	→	6.75	+0.20
3yr Fixed · P&I · Investor · ≤70% LVR	6.59	→	6.77	+0.18
3yr Fixed · P&I · Investor · 70–80% LVR	6.64	→	6.82	+0.18
4yr Fixed · P&I · Investor · ≤70% LVR	6.66	→	6.81	+0.15
5yr Fixed · P&I · Investor · ≤70% LVR	6.70	→	6.84	+0.14
2yr Fixed · P&I · Investor · 70–80% LVR	6.60	→	6.80	+0.20
4yr Fixed · P&I · Investor · 70–80% LVR	6.71	→	6.86	+0.15
1yr Fixed · Interest Only · Investor · ≤70% LVR	6.68	→	6.91	+0.23
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.68	→	6.91	+0.23
5yr Fixed · P&I · Investor · 70–80% LVR	6.75	→	6.89	+0.14
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.31	→	7.53	+0.22
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.79	→	6.97	+0.18
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.78	→	7.01	+0.23
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.75	→	6.94	+0.19
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.30	→	7.50	+0.20
1yr Fixed · Interest Only · Investor · 70–80% LVR	6.78	→	7.01	+0.23
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.29	→	7.46	+0.17
2yr Fixed · Interest Only · Investor · ≤70% LVR	6.75	→	6.94	+0.19
3yr Fixed · Interest Only · Investor · ≤70% LVR	6.79	→	6.97	+0.18
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.86	→	7.01	+0.15
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.29	→	7.45	+0.16
5yr Fixed · Interest Only · Investor · ≤70% LVR	6.90	→	7.04	+0.14
4yr Fixed · Interest Only · Investor · ≤70% LVR	6.86	→	7.01	+0.15
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.29	→	7.42	+0.13
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.90	→	7.04	+0.14
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.85	→	7.04	+0.19
3yr Fixed · Interest Only · Investor · 70–80% LVR	6.89	→	7.07	+0.18
2yr Fixed · Interest Only · Investor · 70–80% LVR	6.85	→	7.04	+0.19
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.89	→	7.07	+0.18
4yr Fixed · Interest Only · Investor · 70–80% LVR	6.96	→	7.11	+0.15
5yr Fixed · Interest Only · Investor · 70–80% LVR	7.00	→	7.14	+0.14
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.00	→	7.14	+0.14
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.96	→	7.11	+0.15
1yr Fixed · P&I · Investor · 80–90% LVR	7.37	→	7.59	+0.22
Variable · P&I · Owner-occupier · 90–95% LVR	7.33	→	7.58	+0.25
Variable · P&I · Investor · 80–90% LVR	7.34	→	7.59	+0.25
3yr Fixed · P&I · Investor · 80–90% LVR	7.41	→	7.59	+0.18
2yr Fixed · P&I · Investor · 80–90% LVR	7.40	→	7.60	+0.20
4yr Fixed · P&I · Investor · 80–90% LVR	7.51	→	7.67	+0.16
5yr Fixed · P&I · Investor · 80–90% LVR	7.54	→	7.68	+0.14

+0.13 to +0.25

Macquarie Basic Home Loan65 variants up 0.14 to 0.2615 days after the RBA rise to 4.60%

Variable · P&I · Owner-occupier · ≤60% LVR	6.06	→	6.31	+0.25
Variable · P&I · Owner-occupier · 60–70% LVR	6.06	→	6.31	+0.25
Variable · P&I · Owner-occupier · 70–80% LVR	6.11	→	6.36	+0.25
Variable · P&I · Investor · ≤60% LVR	6.16	→	6.41	+0.25
Variable · P&I · Investor · 60–70% LVR	6.21	→	6.46	+0.25
1yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.11	→	6.34	+0.23
Variable · P&I · Investor · 70–80% LVR	6.26	→	6.52	+0.26
Variable · P&I · Owner-occupier · 80–90% LVR	6.31	→	6.57	+0.26
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.16	→	6.39	+0.23
Variable · Interest Only · Investor · 60–70% LVR	6.41	→	6.67	+0.26
Variable · Interest Only · Owner-occupier · 60–70% LVR	6.41	→	6.67	+0.26
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.17	→	6.37	+0.20
Variable · Interest Only · Investor · ≤60% LVR	6.37	→	6.63	+0.26
Variable · Interest Only · Owner-occupier · ≤60% LVR	6.37	→	6.63	+0.26
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.22	→	6.40	+0.18
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.27	→	6.45	+0.18
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.28	→	6.44	+0.16
Variable · Interest Only · Owner-occupier · 70–80% LVR	6.52	→	6.77	+0.25
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.22	→	6.42	+0.20
1yr Fixed · P&I · Investor · ≤70% LVR	6.26	→	6.49	+0.23
Variable · Interest Only · Investor · 70–80% LVR	6.52	→	6.77	+0.25
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.33	→	6.47	+0.14
1yr Fixed · P&I · Investor · 70–80% LVR	6.31	→	6.54	+0.23
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.38	→	6.52	+0.14
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.33	→	6.49	+0.16
2yr Fixed · P&I · Investor · ≤70% LVR	6.32	→	6.52	+0.20
3yr Fixed · P&I · Investor · ≤70% LVR	6.37	→	6.55	+0.18
4yr Fixed · P&I · Investor · ≤70% LVR	6.43	→	6.59	+0.16
3yr Fixed · P&I · Investor · 70–80% LVR	6.42	→	6.60	+0.18
5yr Fixed · P&I · Investor · ≤70% LVR	6.48	→	6.62	+0.14
2yr Fixed · P&I · Investor · 70–80% LVR	6.37	→	6.57	+0.20
4yr Fixed · P&I · Investor · 70–80% LVR	6.48	→	6.64	+0.16
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.09	→	7.31	+0.22
5yr Fixed · P&I · Investor · 70–80% LVR	6.53	→	6.67	+0.14
1yr Fixed · Interest Only · Investor · ≤70% LVR	6.46	→	6.69	+0.23
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.46	→	6.69	+0.23
3yr Fixed · Interest Only · Investor · ≤70% LVR	6.57	→	6.75	+0.18
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.09	→	7.28	+0.19
2yr Fixed · Interest Only · Investor · ≤70% LVR	6.52	→	6.73	+0.21
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.07	→	7.25	+0.18
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.52	→	6.73	+0.21
1yr Fixed · Interest Only · Investor · 70–80% LVR	6.56	→	6.79	+0.23
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.57	→	6.75	+0.18
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.56	→	6.79	+0.23
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.68	→	6.82	+0.14
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.07	→	7.21	+0.14
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.08	→	7.23	+0.15
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.64	→	6.79	+0.15
5yr Fixed · Interest Only · Investor · ≤70% LVR	6.68	→	6.82	+0.14
4yr Fixed · Interest Only · Investor · ≤70% LVR	6.64	→	6.79	+0.15
3yr Fixed · Interest Only · Investor · 70–80% LVR	6.67	→	6.85	+0.18
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.62	→	6.83	+0.21
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.67	→	6.85	+0.18
2yr Fixed · Interest Only · Investor · 70–80% LVR	6.62	→	6.83	+0.21
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.74	→	6.90	+0.16
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.78	→	6.92	+0.14
4yr Fixed · Interest Only · Investor · 70–80% LVR	6.74	→	6.90	+0.16
5yr Fixed · Interest Only · Investor · 70–80% LVR	6.78	→	6.92	+0.14
Variable · P&I · Owner-occupier · 90–95% LVR	7.12	→	7.37	+0.25
1yr Fixed · P&I · Investor · 80–90% LVR	7.15	→	7.38	+0.23
Variable · P&I · Investor · 80–90% LVR	7.13	→	7.38	+0.25
3yr Fixed · P&I · Investor · 80–90% LVR	7.20	→	7.38	+0.18
2yr Fixed · P&I · Investor · 80–90% LVR	7.19	→	7.38	+0.19
5yr Fixed · P&I · Investor · 80–90% LVR	7.33	→	7.47	+0.14
4yr Fixed · P&I · Investor · 80–90% LVR	7.30	→	7.45	+0.15

+0.14 to +0.26

September 20262 changes

24Thu

Macquarie Offset Home Loan50 variants up 0.01 to 0.09

1yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.33	→	6.34	+0.01
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.38	→	6.39	+0.01
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.36	→	6.40	+0.04
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.39	→	6.44	+0.05
1yr Fixed · P&I · Investor · ≤70% LVR	6.47	→	6.48	+0.01
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.46	→	6.55	+0.09
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.41	→	6.45	+0.04
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.44	→	6.49	+0.05
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.43	→	6.51	+0.08
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.48	→	6.56	+0.08
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.51	→	6.60	+0.09
1yr Fixed · P&I · Investor · 70–80% LVR	6.52	→	6.53	+0.01
2yr Fixed · P&I · Investor · ≤70% LVR	6.51	→	6.55	+0.04
3yr Fixed · P&I · Investor · ≤70% LVR	6.54	→	6.59	+0.05
3yr Fixed · P&I · Investor · 70–80% LVR	6.59	→	6.64	+0.05
4yr Fixed · P&I · Investor · ≤70% LVR	6.58	→	6.66	+0.08
5yr Fixed · P&I · Investor · ≤70% LVR	6.61	→	6.70	+0.09
2yr Fixed · P&I · Investor · 70–80% LVR	6.56	→	6.60	+0.04
4yr Fixed · P&I · Investor · 70–80% LVR	6.63	→	6.71	+0.08
1yr Fixed · Interest Only · Investor · ≤70% LVR	6.67	→	6.68	+0.01
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.67	→	6.68	+0.01
5yr Fixed · P&I · Investor · 70–80% LVR	6.66	→	6.75	+0.09
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.29	→	7.31	+0.02
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.74	→	6.79	+0.05
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.77	→	6.78	+0.01
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.71	→	6.75	+0.04
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.26	→	7.30	+0.04
1yr Fixed · Interest Only · Investor · 70–80% LVR	6.77	→	6.78	+0.01
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.23	→	7.29	+0.06
2yr Fixed · Interest Only · Investor · ≤70% LVR	6.71	→	6.75	+0.04
3yr Fixed · Interest Only · Investor · ≤70% LVR	6.74	→	6.79	+0.05
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.78	→	6.86	+0.08
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.22	→	7.29	+0.07
5yr Fixed · Interest Only · Investor · ≤70% LVR	6.81	→	6.90	+0.09
4yr Fixed · Interest Only · Investor · ≤70% LVR	6.78	→	6.86	+0.08
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.20	→	7.29	+0.09
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.81	→	6.90	+0.09
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.81	→	6.85	+0.04
3yr Fixed · Interest Only · Investor · 70–80% LVR	6.84	→	6.89	+0.05
2yr Fixed · Interest Only · Investor · 70–80% LVR	6.81	→	6.85	+0.04
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.84	→	6.89	+0.05
4yr Fixed · Interest Only · Investor · 70–80% LVR	6.88	→	6.96	+0.08
5yr Fixed · Interest Only · Investor · 70–80% LVR	6.91	→	7.00	+0.09
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.91	→	7.00	+0.09
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.88	→	6.96	+0.08
1yr Fixed · P&I · Investor · 80–90% LVR	7.36	→	7.37	+0.01
3yr Fixed · P&I · Investor · 80–90% LVR	7.36	→	7.41	+0.05
2yr Fixed · P&I · Investor · 80–90% LVR	7.36	→	7.40	+0.04
4yr Fixed · P&I · Investor · 80–90% LVR	7.44	→	7.51	+0.07
5yr Fixed · P&I · Investor · 80–90% LVR	7.45	→	7.54	+0.09

+0.01 to +0.09

Macquarie Basic Home Loan50 variants up 0.01 to 0.09

1yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.10	→	6.11	+0.01
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.15	→	6.16	+0.01
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.13	→	6.17	+0.04
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.16	→	6.22	+0.06
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.21	→	6.27	+0.06
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.21	→	6.28	+0.07
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.18	→	6.22	+0.04
1yr Fixed · P&I · Investor · ≤70% LVR	6.25	→	6.26	+0.01
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.24	→	6.33	+0.09
1yr Fixed · P&I · Investor · 70–80% LVR	6.30	→	6.31	+0.01
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.29	→	6.38	+0.09
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.26	→	6.33	+0.07
2yr Fixed · P&I · Investor · ≤70% LVR	6.28	→	6.32	+0.04
3yr Fixed · P&I · Investor · ≤70% LVR	6.31	→	6.37	+0.06
4yr Fixed · P&I · Investor · ≤70% LVR	6.36	→	6.43	+0.07
3yr Fixed · P&I · Investor · 70–80% LVR	6.36	→	6.42	+0.06
5yr Fixed · P&I · Investor · ≤70% LVR	6.39	→	6.48	+0.09
2yr Fixed · P&I · Investor · 70–80% LVR	6.33	→	6.37	+0.04
4yr Fixed · P&I · Investor · 70–80% LVR	6.41	→	6.48	+0.07
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.08	→	7.09	+0.01
5yr Fixed · P&I · Investor · 70–80% LVR	6.44	→	6.53	+0.09
1yr Fixed · Interest Only · Investor · ≤70% LVR	6.45	→	6.46	+0.01
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.45	→	6.46	+0.01
3yr Fixed · Interest Only · Investor · ≤70% LVR	6.52	→	6.57	+0.05
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.04	→	7.09	+0.05
2yr Fixed · Interest Only · Investor · ≤70% LVR	6.48	→	6.52	+0.04
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.01	→	7.07	+0.06
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.48	→	6.52	+0.04
1yr Fixed · Interest Only · Investor · 70–80% LVR	6.55	→	6.56	+0.01
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.52	→	6.57	+0.05
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.55	→	6.56	+0.01
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.59	→	6.68	+0.09
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	6.98	→	7.07	+0.09
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.00	→	7.08	+0.08
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.56	→	6.64	+0.08
5yr Fixed · Interest Only · Investor · ≤70% LVR	6.59	→	6.68	+0.09
4yr Fixed · Interest Only · Investor · ≤70% LVR	6.56	→	6.64	+0.08
3yr Fixed · Interest Only · Investor · 70–80% LVR	6.62	→	6.67	+0.05
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.58	→	6.62	+0.04
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.62	→	6.67	+0.05
2yr Fixed · Interest Only · Investor · 70–80% LVR	6.58	→	6.62	+0.04
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.66	→	6.74	+0.08
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.69	→	6.78	+0.09
4yr Fixed · Interest Only · Investor · 70–80% LVR	6.66	→	6.74	+0.08
5yr Fixed · Interest Only · Investor · 70–80% LVR	6.69	→	6.78	+0.09
1yr Fixed · P&I · Investor · 80–90% LVR	7.14	→	7.15	+0.01
3yr Fixed · P&I · Investor · 80–90% LVR	7.14	→	7.20	+0.06
2yr Fixed · P&I · Investor · 80–90% LVR	7.14	→	7.19	+0.05
5yr Fixed · P&I · Investor · 80–90% LVR	7.24	→	7.33	+0.09
4yr Fixed · P&I · Investor · 80–90% LVR	7.22	→	7.30	+0.08

+0.01 to +0.09

Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report

Notes on Macquarie home loans

to leave a note.

As of 1 November 2026, Macquarie has two home loan products in 130 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.36% (Macquarie Basic Home Loan), ranking 25th of 93 variable owner-occupier P&I loans and sitting 0.22 points below the market average of 6.58%. Its rates last moved on 20 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.

Macquarie home loans

Rates over timeComparison rate of each product's headline variant

ChangesLast change 20 Oct

October 20264 changes

September 20262 changes

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Notes on Macquarie home loans