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Macquarie · Home loan · Variable

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Macquarie Basic Home Loan

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.

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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
4.005.006.007.00Today6.11% p.a. today

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.

Compare all home loans