Variable rates

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
≤ 60% 2.49% pa 2.49% pa 2.49% pa 2.76% pa
≤ 70% 2.54% pa 2.54% pa 2.54% pa 2.81% pa
≤ 80% 2.64% pa 2.64% pa 2.64% pa 2.91% pa
≤ 90% 3.04% pa 3.04% pa 3.04% pa 3.31% pa
≤ 95% 3.36% pa 3.36% pa 3.36% pa 3.62% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

Learn more about variable rate home loans

Fixed rates

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
1 year fixed rate°
≤ 70% 2.09% pa 2.50% pa 2.09% pa 2.78% pa
≤ 80% 2.09% pa 2.59% pa 2.09% pa 2.86% pa
≤ 95% 2.59% pa 3.29% pa 2.59% pa 3.55% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

1 year fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
1 year fixed rate°
≤ 70% 2.09% pa 2.50% pa 2.09% pa 2.78% pa
≤ 80% 2.09% pa 2.59% pa 2.09% pa 2.86% pa
≤ 95% 2.59% pa 3.29% pa 2.59% pa 3.55% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

2 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
2 year fixed rate°
≤ 70% 2.09% pa 2.46% pa 2.09% pa 2.74% pa
≤ 80% 2.09% pa 2.55% pa 2.09% pa 2.82% pa
≤ 95% 2.59% pa 3.23% pa 2.59% pa 3.49% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

3 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
3 year fixed rate°
≤ 70% 2.09% pa 2.43% pa 2.09% pa 2.70% pa
≤ 80% 2.19% pa 2.53% pa 2.19% pa 2.80% pa
≤ 95% 2.59% pa 3.16% pa 2.59% pa 3.43% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest .

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

4 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
4 year fixed rate°
≤ 70% 2.49% pa 2.52% pa 2.49% pa 2.80% pa
≤ 80% 2.59% pa 2.62% pa 2.59% pa 2.90% pa
≤ 95% 2.79% pa 3.17% pa 2.79% pa 3.44% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest .

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

5 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
5 year fixed rate°
≤ 70% 2.49% pa 2.52% pa 2.49% pa 2.79% pa
≤ 80% 2.59% pa 2.62% pa 2.59% pa 2.89% pa
≤ 95% 2.79% pa 3.13% pa 2.79% pa 3.40% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest .

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

Interest only

Interest only, variable rate

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
≤ 60% 2.99% pa 2.99% pa 2.99% pa 3.26% pa
≤ 70% 2.99% pa 2.99% pa 2.99% pa 3.26% pa
≤ 80% 3.24% pa 3.24% pa 3.24% pa 3.50% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

Learn more about variable rate home loans

?

Variable rates

Interest only, variable rate

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
≤ 60% 2.99% pa 2.99% pa 2.99% pa 3.26% pa
≤ 70% 2.99% pa 2.99% pa 2.99% pa 3.26% pa
≤ 80% 3.24% pa 3.24% pa 3.24% pa 3.50% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

Learn more about variable rate home loans

1 year fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
1 year fixed rate°
≤ 70% 2.94% pa 2.99% pa 2.94% pa 3.25% pa
≤ 80% 3.24% pa 3.24% pa 3.24% pa 3.50% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest .

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

2 years fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
2 year fixed rate°
≤ 70% 2.94% pa 2.98% pa 2.94% pa 3.25% pa
≤ 80% 3.24% pa 3.24% pa 3.24% pa 3.50% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest .

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

3 years fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
3 year fixed rate°
≤ 70% 2.94% pa 2.98% pa 2.94% pa 3.24% pa
≤ 80% 3.24% pa 3.24% pa 3.24% pa 3.50% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest .

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

4 years fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
4 year fixed rate°
≤ 70% 2.79% pa 2.93% pa 2.79% pa 3.19% pa
≤ 80% 3.09% pa 3.19% pa 3.09% pa 3.45% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest .

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

5 years fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
5 year fixed rate°
≤ 70% 2.79% pa 2.91% pa 2.79% pa 3.18% pa
≤ 80% 3.09% pa 3.18% pa 3.09% pa 3.44% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest .

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

Variable rates

Principal and interest

LVR
Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
≤ 60% 2.69% pa 2.69% pa 2.69% pa 2.96% pa
≤ 70% 2.79% pa 2.79% pa 2.79% pa 3.06% pa
≤ 80% 2.89% pa 2.89% pa 2.89% pa 3.16% pa
≤ 90% 3.85% pa 3.85% pa 3.85% pa 4.10% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

Learn more about variable rate home loans

Fixed rates

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
1 year fixed rate°
≤ 70% 2.39% pa 2.75% pa 2.39% pa 3.02% pa
≤ 80% 2.49% pa 2.85% pa 2.49% pa 3.12% pa
≤ 90% 3.14% pa 3.78% pa 3.14% pa 4.04% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

1 year fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
1 year fixed rate°
≤ 70% 2.39% pa 2.75% pa 2.39% pa 3.02% pa
≤ 80% 2.49% pa 2.85% pa 2.49% pa 3.12% pa
≤ 90% 3.14% pa 3.78% pa 3.14% pa 4.04% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

2 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
2 year fixed rate°
≤ 70% 2.39% pa 2.72% pa 2.39% pa 2.99% pa
≤ 80% 2.49% pa 2.82% pa 2.49% pa 3.09% pa
≤ 90% 3.14% pa 3.72% pa 3.14% pa 3.98% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

3 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
3 year fixed rate°
≤ 70% 2.39% pa 2.69% pa 2.39% pa 2.96% pa
≤ 80% 2.59% pa 2.82% pa 2.59% pa 3.08% pa
≤ 90% 3.14% pa 3.67% pa 3.14% pa 3.92% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

4 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
4 year fixed rate°
≤ 70% 2.69% pa 2.76% pa 2.69% pa 3.03% pa
≤ 80% 2.79% pa 2.86% pa 2.79% pa 3.13% pa
≤ 90% 2.99% pa 3.56% pa 2.99% pa 3.82% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

5 years fixed

Principal and interest repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
5 year fixed rate°
≤ 70% 2.69% pa 2.75% pa 2.69% pa 3.02% pa
≤ 80% 2.79% pa 2.85% pa 2.79% pa 3.12% pa
≤ 90% 2.99% pa 3.50% pa 2.99% pa 3.76% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

Interest only

Interest only, variable rate

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
≤ 60% 3.09% pa 3.09% pa 3.09% pa 3.35% pa
≤ 70% 3.09% pa 3.09% pa 3.09% pa 3.35% pa
≤ 80% 3.24% pa 3.24% pa 3.24% pa 3.50% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

Learn more about variable rate home loans

Variable rates

Interest only, variable rate

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
≤ 60% 3.09% pa 3.09% pa 3.09% pa 3.35% pa
≤ 70% 3.09% pa 3.09% pa 3.09% pa 3.35% pa
≤ 80% 3.24% pa 3.24% pa 3.24% pa 3.50% pa
Rates are for new loans and are subject to change.

What is an LVR?
What is a comparison rate?

Learn more about variable rate home loans

1 year fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
1 year fixed rate°
≤ 70% 2.59% pa 3.05% pa 2.59% pa 3.31% pa
≤ 80% 2.79% pa 3.20% pa 2.79% pa 3.46% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

2 years fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
2 year fixed rate°
≤ 70% 2.59% pa 3.00% pa 2.59% pa 3.27% pa
≤ 80% 2.79% pa 3.16% pa 2.79% pa 3.42% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

3 years fixed

Interest only repayments

LVR Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
3 year fixed rate°
≤ 70% 2.59% pa 2.96% pa 2.59% pa 3.23% pa
≤ 80% 2.89% pa 3.15% pa 2.89% pa 3.41% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

4 years fixed

Interest only repayments

LVR# Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
4 year fixed rate°
≤ 70% 2.99% pa 3.06% pa 2.99% pa 3.32% pa
≤ 80% 3.29% pa 3.26% pa 3.29% pa 3.52% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

5 years fixed

Interest only repayments

LVR# Basic
Interest rate
Basic
Comparison rate?
Offset
Interest rate
Offset
Comparison rate?
5 year fixed rate°
≤ 70% 2.99% pa 3.05% pa 2.99% pa 3.32% pa
≤ 80% 3.29% pa 3.26% pa 3.29% pa 3.52% pa
Rates are for new loans and are subject to change.
Note: Offset benefits are not available while the linked Loan Account is on a fixed rate of interest.

What is an LVR?
What is a comparison rate?

Learn more about fixed rate home loans

Home loan options

Talk to a home loan specialist


You can request a call online or give us a call on?02 8245 4500?to speak with a home loan specialist.

Refinancing?

You can apply online now.

A home loan specialist will review your application and contact you within 1-2 business days.

Need a tailored home loan solution?

Our home loan specialists are ready to talk through your home loan needs. You can request a call online or give us a call on?02 8245 4500.

Additional information

This information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 (MBL) and does not take into account your objectives, ?nancial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and T&Cs apply.

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The comparison rates are based on a loan for $150,000 and a term of 25 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

°

Fixed rate loans may be subject to significant break costs. Please refer to the loan contracts for terms and conditions regarding break costs. At the end of the fixed rate period, the interest rate will revert to the discount variable rate applicable at that time.

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Our cards are 5-star Canstar rated for Outstanding Value Travel Credit Card and Outstanding Value Travel Debit Card for 2019/2020.

Information and interest rates are current as at 11 November 2020 and are subject to change.

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