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Home loan · Variable

Macquarie Basic Home Loan

Rate
Loan for
Repayments
Deposit

6.36%comparison rate p.a. · 6.34% advertised

Variable · P&I · Owner-occupier · 70–80% LVR

25th of 93 variable owner-occupier P&I loans

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The same choices at every rate type

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.

Offset account
No
Redraw
No
Extra repayments
Yes
Application fee
None
Ongoing fee
None
Discharge fee
$400
Compare all 321 home loans
Compare Macquarie Basic side by side

Often compared with: ING · CommBank

Variable · P&I · Owner-occupier · ≤60% LVR
6.31% comparison · 6.29% advertised
Variable · P&I · Owner-occupier · 60–70% LVR
6.31% comparison · 6.29% advertised
Variable · P&I · Owner-occupier · 70–80% LVR
6.36% comparison · 6.34% advertised
Variable · P&I · Owner-occupier · 80–90% LVR
6.57% comparison · 6.54% advertised
Variable · P&I · Owner-occupier · 90–95% LVR
7.37% comparison · 7.34% advertised
Variable · Interest Only · Owner-occupier · ≤60% LVR
6.62% comparison · 6.59% advertised
Variable · Interest Only · Owner-occupier · 60–70% LVR
6.62% comparison · 6.59% advertised
Variable · Interest Only · Owner-occupier · 70–80% LVR
6.67% comparison · 6.64% advertised
Variable · P&I · Investor · ≤60% LVR
6.41% comparison · 6.39% advertised
Variable · P&I · Investor · 60–70% LVR
6.46% comparison · 6.44% advertised
Variable · P&I · Investor · 70–80% LVR
6.52% comparison · 6.49% advertised
Variable · P&I · Investor · 80–90% LVR
7.38% comparison · 7.35% advertised
Variable · Interest Only · Investor · ≤60% LVR
6.62% comparison · 6.59% advertised
Variable · Interest Only · Investor · 60–70% LVR
6.62% comparison · 6.59% advertised
Variable · Interest Only · Investor · 70–80% LVR
6.67% comparison · 6.64% advertised
1yr Fixed · P&I · Owner-occupier · ≤70% LVR
6.34% comparison · 6.49% advertised
1yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.39% comparison · 6.54% advertised
1yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.31% comparison · 6.84% advertised
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
6.64% comparison · 6.84% advertised
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
6.70% comparison · 6.94% advertised
1yr Fixed · P&I · Investor · ≤70% LVR
6.49% comparison · 6.64% advertised
1yr Fixed · P&I · Investor · 70–80% LVR
6.54% comparison · 6.69% advertised
1yr Fixed · P&I · Investor · 80–90% LVR
7.38% comparison · 7.34% advertised
1yr Fixed · Interest Only · Investor · ≤70% LVR
6.64% comparison · 6.84% advertised
1yr Fixed · Interest Only · Investor · 70–80% LVR
6.70% comparison · 6.94% advertised
2yr Fixed · P&I · Owner-occupier · ≤70% LVR
6.37% comparison · 6.59% advertised
2yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.42% comparison · 6.64% advertised
2yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.28% comparison · 6.94% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
6.69% comparison · 6.94% advertised
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
6.75% comparison · 7.04% advertised
2yr Fixed · P&I · Investor · ≤70% LVR
6.52% comparison · 6.74% advertised
2yr Fixed · P&I · Investor · 70–80% LVR
6.57% comparison · 6.79% advertised
2yr Fixed · P&I · Investor · 80–90% LVR
7.38% comparison · 7.39% advertised
2yr Fixed · Interest Only · Investor · ≤70% LVR
6.69% comparison · 6.94% advertised
2yr Fixed · Interest Only · Investor · 70–80% LVR
6.75% comparison · 7.04% advertised
3yr Fixed · P&I · Owner-occupier · ≤70% LVR
6.40% comparison · 6.59% advertised
3yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.45% comparison · 6.64% advertised
3yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.25% comparison · 6.94% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
6.72% comparison · 6.94% advertised
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
6.78% comparison · 7.04% advertised
3yr Fixed · P&I · Investor · ≤70% LVR
6.55% comparison · 6.74% advertised
3yr Fixed · P&I · Investor · 70–80% LVR
6.60% comparison · 6.79% advertised
3yr Fixed · P&I · Investor · 80–90% LVR
7.38% comparison · 7.35% advertised
3yr Fixed · Interest Only · Investor · ≤70% LVR
6.72% comparison · 6.94% advertised
3yr Fixed · Interest Only · Investor · 70–80% LVR
6.78% comparison · 7.04% advertised
4yr Fixed · P&I · Owner-occupier · ≤70% LVR
6.44% comparison · 6.64% advertised
4yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.49% comparison · 6.69% advertised
4yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.23% comparison · 6.99% advertised
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
6.76% comparison · 6.99% advertised
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
6.83% comparison · 7.09% advertised
4yr Fixed · P&I · Investor · ≤70% LVR
6.59% comparison · 6.79% advertised
4yr Fixed · P&I · Investor · 70–80% LVR
6.64% comparison · 6.84% advertised
4yr Fixed · P&I · Investor · 80–90% LVR
7.45% comparison · 7.55% advertised
4yr Fixed · Interest Only · Investor · ≤70% LVR
6.76% comparison · 6.99% advertised
4yr Fixed · Interest Only · Investor · 70–80% LVR
6.83% comparison · 7.09% advertised
5yr Fixed · P&I · Owner-occupier · ≤70% LVR
6.47% comparison · 6.64% advertised
5yr Fixed · P&I · Owner-occupier · 70–80% LVR
6.52% comparison · 6.69% advertised
5yr Fixed · P&I · Owner-occupier · 80–95% LVR
7.21% comparison · 6.99% advertised
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR
6.79% comparison · 6.99% advertised
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR
6.87% comparison · 7.09% advertised
5yr Fixed · P&I · Investor · ≤70% LVR
6.62% comparison · 6.79% advertised
5yr Fixed · P&I · Investor · 70–80% LVR
6.67% comparison · 6.84% advertised
5yr Fixed · P&I · Investor · 80–90% LVR
7.47% comparison · 7.55% advertised
5yr Fixed · Interest Only · Investor · ≤70% LVR
6.79% comparison · 6.99% advertised
5yr Fixed · Interest Only · Investor · 70–80% LVR
6.87% comparison · 7.09% advertised

Application fee
None
Ongoing fee
None
Discharge fee
$400

Offset account
No
Redraw
No
Extra repayments
Yes
Portable
No
Repayment holiday
No

Minimum loan
$150,000
Maximum loan
$10,000,000

  • Macquarie Basic Home Loan · Variable · P&I · Owner-occupier
  • RBA cash rate
  • Market average
5.006.00SepOctToday6.36% p.a. today

October 20262 changes

  1. 20Tue
    • 26 variants cut 0.01 to 0.10
      All Interest Only
      Variable · Owner-occupier · ≤60% LVR6.636.62−0.01
      Variable · Owner-occupier · 60–70% LVR6.676.62−0.05
      Variable · Owner-occupier · 70–80% LVR6.776.67−0.10
      Variable · Investor · ≤60% LVR6.636.62−0.01
      Variable · Investor · 60–70% LVR6.676.62−0.05
      Variable · Investor · 70–80% LVR6.776.67−0.10
      1yr Fixed · Owner-occupier · ≤70% LVR6.696.64−0.05
      1yr Fixed · Owner-occupier · 70–80% LVR6.796.70−0.09
      1yr Fixed · Investor · ≤70% LVR6.696.64−0.05
      1yr Fixed · Investor · 70–80% LVR6.796.70−0.09
      2yr Fixed · Owner-occupier · ≤70% LVR6.736.69−0.04
      2yr Fixed · Owner-occupier · 70–80% LVR6.836.75−0.08
      2yr Fixed · Investor · ≤70% LVR6.736.69−0.04
      2yr Fixed · Investor · 70–80% LVR6.836.75−0.08
      3yr Fixed · Owner-occupier · ≤70% LVR6.756.72−0.03
      3yr Fixed · Owner-occupier · 70–80% LVR6.856.78−0.07
      3yr Fixed · Investor · ≤70% LVR6.756.72−0.03
      3yr Fixed · Investor · 70–80% LVR6.856.78−0.07
      4yr Fixed · Owner-occupier · ≤70% LVR6.796.76−0.03
      4yr Fixed · Owner-occupier · 70–80% LVR6.906.83−0.07
      4yr Fixed · Investor · ≤70% LVR6.796.76−0.03
      4yr Fixed · Investor · 70–80% LVR6.906.83−0.07
      5yr Fixed · Owner-occupier · ≤70% LVR6.826.79−0.03
      5yr Fixed · Owner-occupier · 70–80% LVR6.926.87−0.05
      5yr Fixed · Investor · ≤70% LVR6.826.79−0.03
      5yr Fixed · Investor · 70–80% LVR6.926.87−0.05
      −0.10 to −0.01
  2. 15Thu
    • 65 variants up 0.14 to 0.2615 days after the RBA rise to 4.60%
      Variable · P&I · Owner-occupier · ≤60% LVR6.066.31+0.25
      Variable · P&I · Owner-occupier · 60–70% LVR6.066.31+0.25
      Variable · P&I · Owner-occupier · 70–80% LVR6.116.36+0.25
      Variable · P&I · Owner-occupier · 80–90% LVR6.316.57+0.26
      Variable · P&I · Owner-occupier · 90–95% LVR7.127.37+0.25
      Variable · Interest Only · Owner-occupier · ≤60% LVR6.376.63+0.26
      Variable · Interest Only · Owner-occupier · 60–70% LVR6.416.67+0.26
      Variable · Interest Only · Owner-occupier · 70–80% LVR6.526.77+0.25
      Variable · P&I · Investor · ≤60% LVR6.166.41+0.25
      Variable · P&I · Investor · 60–70% LVR6.216.46+0.25
      Variable · P&I · Investor · 70–80% LVR6.266.52+0.26
      Variable · P&I · Investor · 80–90% LVR7.137.38+0.25
      Variable · Interest Only · Investor · ≤60% LVR6.376.63+0.26
      Variable · Interest Only · Investor · 60–70% LVR6.416.67+0.26
      Variable · Interest Only · Investor · 70–80% LVR6.526.77+0.25
      1yr Fixed · P&I · Owner-occupier · ≤70% LVR6.116.34+0.23
      1yr Fixed · P&I · Owner-occupier · 70–80% LVR6.166.39+0.23
      1yr Fixed · P&I · Owner-occupier · 80–95% LVR7.097.31+0.22
      1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.466.69+0.23
      1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.566.79+0.23
      1yr Fixed · P&I · Investor · ≤70% LVR6.266.49+0.23
      1yr Fixed · P&I · Investor · 70–80% LVR6.316.54+0.23
      1yr Fixed · P&I · Investor · 80–90% LVR7.157.38+0.23
      1yr Fixed · Interest Only · Investor · ≤70% LVR6.466.69+0.23
      1yr Fixed · Interest Only · Investor · 70–80% LVR6.566.79+0.23
      2yr Fixed · P&I · Owner-occupier · ≤70% LVR6.176.37+0.20
      2yr Fixed · P&I · Owner-occupier · 70–80% LVR6.226.42+0.20
      2yr Fixed · P&I · Owner-occupier · 80–95% LVR7.097.28+0.19
      2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.526.73+0.21
      2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.626.83+0.21
      2yr Fixed · P&I · Investor · ≤70% LVR6.326.52+0.20
      2yr Fixed · P&I · Investor · 70–80% LVR6.376.57+0.20
      2yr Fixed · P&I · Investor · 80–90% LVR7.197.38+0.19
      2yr Fixed · Interest Only · Investor · ≤70% LVR6.526.73+0.21
      2yr Fixed · Interest Only · Investor · 70–80% LVR6.626.83+0.21
      3yr Fixed · P&I · Owner-occupier · ≤70% LVR6.226.40+0.18
      3yr Fixed · P&I · Owner-occupier · 70–80% LVR6.276.45+0.18
      3yr Fixed · P&I · Owner-occupier · 80–95% LVR7.077.25+0.18
      3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.576.75+0.18
      3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.676.85+0.18
      3yr Fixed · P&I · Investor · ≤70% LVR6.376.55+0.18
      3yr Fixed · P&I · Investor · 70–80% LVR6.426.60+0.18
      3yr Fixed · P&I · Investor · 80–90% LVR7.207.38+0.18
      3yr Fixed · Interest Only · Investor · ≤70% LVR6.576.75+0.18
      3yr Fixed · Interest Only · Investor · 70–80% LVR6.676.85+0.18
      4yr Fixed · P&I · Owner-occupier · ≤70% LVR6.286.44+0.16
      4yr Fixed · P&I · Owner-occupier · 70–80% LVR6.336.49+0.16
      4yr Fixed · P&I · Owner-occupier · 80–95% LVR7.087.23+0.15
      4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.646.79+0.15
      4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.746.90+0.16
      4yr Fixed · P&I · Investor · ≤70% LVR6.436.59+0.16
      4yr Fixed · P&I · Investor · 70–80% LVR6.486.64+0.16
      4yr Fixed · P&I · Investor · 80–90% LVR7.307.45+0.15
      4yr Fixed · Interest Only · Investor · ≤70% LVR6.646.79+0.15
      4yr Fixed · Interest Only · Investor · 70–80% LVR6.746.90+0.16
      5yr Fixed · P&I · Owner-occupier · ≤70% LVR6.336.47+0.14
      5yr Fixed · P&I · Owner-occupier · 70–80% LVR6.386.52+0.14
      5yr Fixed · P&I · Owner-occupier · 80–95% LVR7.077.21+0.14
      5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.686.82+0.14
      5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.786.92+0.14
      5yr Fixed · P&I · Investor · ≤70% LVR6.486.62+0.14
      5yr Fixed · P&I · Investor · 70–80% LVR6.536.67+0.14
      5yr Fixed · P&I · Investor · 80–90% LVR7.337.47+0.14
      5yr Fixed · Interest Only · Investor · ≤70% LVR6.686.82+0.14
      5yr Fixed · Interest Only · Investor · 70–80% LVR6.786.92+0.14
      +0.14 to +0.26

September 20261 change

  1. 24Thu
    • 50 variants up 0.01 to 0.09
      1yr Fixed · P&I · Owner-occupier · ≤70% LVR6.106.11+0.01
      1yr Fixed · P&I · Owner-occupier · 70–80% LVR6.156.16+0.01
      1yr Fixed · P&I · Owner-occupier · 80–95% LVR7.087.09+0.01
      1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.456.46+0.01
      1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.556.56+0.01
      1yr Fixed · P&I · Investor · ≤70% LVR6.256.26+0.01
      1yr Fixed · P&I · Investor · 70–80% LVR6.306.31+0.01
      1yr Fixed · P&I · Investor · 80–90% LVR7.147.15+0.01
      1yr Fixed · Interest Only · Investor · ≤70% LVR6.456.46+0.01
      1yr Fixed · Interest Only · Investor · 70–80% LVR6.556.56+0.01
      2yr Fixed · P&I · Owner-occupier · ≤70% LVR6.136.17+0.04
      2yr Fixed · P&I · Owner-occupier · 70–80% LVR6.186.22+0.04
      2yr Fixed · P&I · Owner-occupier · 80–95% LVR7.047.09+0.05
      2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.486.52+0.04
      2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.586.62+0.04
      2yr Fixed · P&I · Investor · ≤70% LVR6.286.32+0.04
      2yr Fixed · P&I · Investor · 70–80% LVR6.336.37+0.04
      2yr Fixed · P&I · Investor · 80–90% LVR7.147.19+0.05
      2yr Fixed · Interest Only · Investor · ≤70% LVR6.486.52+0.04
      2yr Fixed · Interest Only · Investor · 70–80% LVR6.586.62+0.04
      3yr Fixed · P&I · Owner-occupier · ≤70% LVR6.166.22+0.06
      3yr Fixed · P&I · Owner-occupier · 70–80% LVR6.216.27+0.06
      3yr Fixed · P&I · Owner-occupier · 80–95% LVR7.017.07+0.06
      3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.526.57+0.05
      3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.626.67+0.05
      3yr Fixed · P&I · Investor · ≤70% LVR6.316.37+0.06
      3yr Fixed · P&I · Investor · 70–80% LVR6.366.42+0.06
      3yr Fixed · P&I · Investor · 80–90% LVR7.147.20+0.06
      3yr Fixed · Interest Only · Investor · ≤70% LVR6.526.57+0.05
      3yr Fixed · Interest Only · Investor · 70–80% LVR6.626.67+0.05
      4yr Fixed · P&I · Owner-occupier · ≤70% LVR6.216.28+0.07
      4yr Fixed · P&I · Owner-occupier · 70–80% LVR6.266.33+0.07
      4yr Fixed · P&I · Owner-occupier · 80–95% LVR7.007.08+0.08
      4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.566.64+0.08
      4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.666.74+0.08
      4yr Fixed · P&I · Investor · ≤70% LVR6.366.43+0.07
      4yr Fixed · P&I · Investor · 70–80% LVR6.416.48+0.07
      4yr Fixed · P&I · Investor · 80–90% LVR7.227.30+0.08
      4yr Fixed · Interest Only · Investor · ≤70% LVR6.566.64+0.08
      4yr Fixed · Interest Only · Investor · 70–80% LVR6.666.74+0.08
      5yr Fixed · P&I · Owner-occupier · ≤70% LVR6.246.33+0.09
      5yr Fixed · P&I · Owner-occupier · 70–80% LVR6.296.38+0.09
      5yr Fixed · P&I · Owner-occupier · 80–95% LVR6.987.07+0.09
      5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR6.596.68+0.09
      5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR6.696.78+0.09
      5yr Fixed · P&I · Investor · ≤70% LVR6.396.48+0.09
      5yr Fixed · P&I · Investor · 70–80% LVR6.446.53+0.09
      5yr Fixed · P&I · Investor · 80–90% LVR7.247.33+0.09
      5yr Fixed · Interest Only · Investor · ≤70% LVR6.596.68+0.09
      5yr Fixed · Interest Only · Investor · 70–80% LVR6.696.78+0.09
      +0.01 to +0.09

A home loan built on value with great rates and no annual fee.

Also from Macquarie: Macquarie Offset Home Loan 6.59%

As of 1 November 2026, the Macquarie Basic Home Loan's variable owner-occupier P&I variant has a comparison rate of 6.36% (6.34% advertised), ranking 25th of 93 variable owner-occupier P&I loans and sitting 0.22 points below the market average of 6.58%. The product comes in 65 variants; the others are investor, interest-only, fixed-rate and other LVR bands. Its rate last moved on 20 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.