As of 18 September 2026, the Macquarie Macquarie Basic Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.11% (6.09% advertised), ranking 12th of 107 variable owner-occupier P&I loans and sitting 0.65 points below the market average of 6.76%. The product comes in 65 variants; the others are investor, interest-only, fixed-rate and other LVR bands.
6.11%comparison rate p.a.
6.09% advertised · Variable · P&I · Owner-occupier · 70–80% LVR
64 other variants: investor, interest-only, fixed-rate and other LVR bands below.
Rate over time
Comparison rate · Variable · P&I · Owner-occupier · 70–80% LVR- Macquarie Basic Home Loan · Variable · P&I · Owner-occupier
- RBA cash rate
- Market average
Changes
No changes recorded for this product since tracking began on 12 September 2026.
Rates by variant
Comparison rate · advertised rate- Variable · P&I · Owner-occupier · ≤60% LVR
- 6.06% comparison · 6.04% advertised
- Variable · P&I · Owner-occupier · 60–70% LVR
- 6.06% comparison · 6.04% advertised
- Variable · P&I · Owner-occupier · 70–80% LVR
- 6.11% comparison · 6.09% advertised
- Variable · P&I · Owner-occupier · 80–90% LVR
- 6.31% comparison · 6.29% advertised
- Variable · P&I · Owner-occupier · 90–95% LVR
- 7.12% comparison · 7.09% advertised
- Variable · Interest Only · Owner-occupier · ≤60% LVR
- 6.37% comparison · 6.35% advertised
- Variable · Interest Only · Owner-occupier · 60–70% LVR
- 6.41% comparison · 6.39% advertised
- Variable · Interest Only · Owner-occupier · 70–80% LVR
- 6.52% comparison · 6.49% advertised
- Variable · P&I · Investor · ≤60% LVR
- 6.16% comparison · 6.14% advertised
- Variable · P&I · Investor · 60–70% LVR
- 6.21% comparison · 6.19% advertised
- Variable · P&I · Investor · 70–80% LVR
- 6.26% comparison · 6.24% advertised
- Variable · P&I · Investor · 80–90% LVR
- 7.13% comparison · 7.10% advertised
- Variable · Interest Only · Investor · ≤60% LVR
- 6.37% comparison · 6.35% advertised
- Variable · Interest Only · Investor · 60–70% LVR
- 6.41% comparison · 6.39% advertised
- Variable · Interest Only · Investor · 70–80% LVR
- 6.52% comparison · 6.49% advertised
- 1yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.10% comparison · 6.39% advertised
- 1yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.15% comparison · 6.44% advertised
- 1yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.08% comparison · 6.74% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.45% comparison · 6.74% advertised
- 1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.55% comparison · 6.84% advertised
- 1yr Fixed · P&I · Investor · ≤70% LVR
- 6.25% comparison · 6.54% advertised
- 1yr Fixed · P&I · Investor · 70–80% LVR
- 6.30% comparison · 6.59% advertised
- 1yr Fixed · P&I · Investor · 80–90% LVR
- 7.14% comparison · 7.24% advertised
- 1yr Fixed · Interest Only · Investor · ≤70% LVR
- 6.45% comparison · 6.74% advertised
- 1yr Fixed · Interest Only · Investor · 70–80% LVR
- 6.55% comparison · 6.84% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.13% comparison · 6.39% advertised
- 2yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.18% comparison · 6.44% advertised
- 2yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.04% comparison · 6.74% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.48% comparison · 6.74% advertised
- 2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.58% comparison · 6.84% advertised
- 2yr Fixed · P&I · Investor · ≤70% LVR
- 6.28% comparison · 6.54% advertised
- 2yr Fixed · P&I · Investor · 70–80% LVR
- 6.33% comparison · 6.59% advertised
- 2yr Fixed · P&I · Investor · 80–90% LVR
- 7.14% comparison · 7.19% advertised
- 2yr Fixed · Interest Only · Investor · ≤70% LVR
- 6.48% comparison · 6.74% advertised
- 2yr Fixed · Interest Only · Investor · 70–80% LVR
- 6.58% comparison · 6.84% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.16% comparison · 6.39% advertised
- 3yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.21% comparison · 6.44% advertised
- 3yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.01% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.52% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.62% comparison · 6.84% advertised
- 3yr Fixed · P&I · Investor · ≤70% LVR
- 6.31% comparison · 6.54% advertised
- 3yr Fixed · P&I · Investor · 70–80% LVR
- 6.36% comparison · 6.59% advertised
- 3yr Fixed · P&I · Investor · 80–90% LVR
- 7.14% comparison · 7.15% advertised
- 3yr Fixed · Interest Only · Investor · ≤70% LVR
- 6.52% comparison · 6.74% advertised
- 3yr Fixed · Interest Only · Investor · 70–80% LVR
- 6.62% comparison · 6.84% advertised
- 4yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.21% comparison · 6.44% advertised
- 4yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.26% comparison · 6.49% advertised
- 4yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 7.00% comparison · 6.79% advertised
- 4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.56% comparison · 6.79% advertised
- 4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.66% comparison · 6.89% advertised
- 4yr Fixed · P&I · Investor · ≤70% LVR
- 6.36% comparison · 6.59% advertised
- 4yr Fixed · P&I · Investor · 70–80% LVR
- 6.41% comparison · 6.64% advertised
- 4yr Fixed · P&I · Investor · 80–90% LVR
- 7.22% comparison · 7.35% advertised
- 4yr Fixed · Interest Only · Investor · ≤70% LVR
- 6.56% comparison · 6.79% advertised
- 4yr Fixed · Interest Only · Investor · 70–80% LVR
- 6.66% comparison · 6.89% advertised
- 5yr Fixed · P&I · Owner-occupier · ≤70% LVR
- 6.24% comparison · 6.44% advertised
- 5yr Fixed · P&I · Owner-occupier · 70–80% LVR
- 6.29% comparison · 6.49% advertised
- 5yr Fixed · P&I · Owner-occupier · 80–95% LVR
- 6.98% comparison · 6.79% advertised
- 5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
- 6.59% comparison · 6.79% advertised
- 5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
- 6.69% comparison · 6.89% advertised
- 5yr Fixed · P&I · Investor · ≤70% LVR
- 6.39% comparison · 6.59% advertised
- 5yr Fixed · P&I · Investor · 70–80% LVR
- 6.44% comparison · 6.64% advertised
- 5yr Fixed · P&I · Investor · 80–90% LVR
- 7.24% comparison · 7.35% advertised
- 5yr Fixed · Interest Only · Investor · ≤70% LVR
- 6.59% comparison · 6.79% advertised
- 5yr Fixed · Interest Only · Investor · 70–80% LVR
- 6.69% comparison · 6.89% advertised
Fees
Headline variant- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $400
- Redraw fee
- None
Features
Headline variant- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
Eligibility
- Minimum loan
- $150,000
- Maximum loan
- $10,000,000
About this product
A home loan built on value with great rates and no annual fee.