Refinancing has never been easier

Securely apply online and get an answer, faster.?Your application will save as you go so you can?pick?up?where you left off at any time.?Start your application today.????????

Middle aged Asian man standing outside his home on a sunny day. Macquarie customer - Chi
"Choosing a better home loan with Macquarie was easy."
Chi
Add an offset account

Save using your offset account

Save using your offset account

  • Our offset account allows you to pay off your loan faster by using your savings to reduce the amount of interest you pay.
  • Get free access to any rediATM in Australia and enjoy a refund on fees incurred at all other ATMs in Australia. Plus, when you shop online or in-store overseas with your Debit Mastercard?, we won't charge you any international purchase fees3.
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Added security

Protect your account and personal information

Protect your account and personal information

  • The Macquarie Authenticator app provides an extra layer of security that helps protect your account and personal information and is our most secure way to authenticate.
  • It's a mobile app that sends actionable push notifications for you to approve or deny online transactions and account activity. There’s also an option to generate a unique one-time rolling code as an alternative authentication method.
A person in a cafe close up shot of their hand holding a phone with the Macquarie authenticator app open
Add a credit card

Package a credit card with your home loan

Package a credit card with your home loan

  • One way to make the most of your offset home loan is to use your accompanying credit card for your day-to-day purchases2.
  • When you keep savings in your offset account and pay off your credit card balance in full before your interest free period ends, you could minimise both the amount of interest you pay on your home loan and the interest you pay on purchases2.
  • When you shop online or in-store?overseas with your credit card, we won't charge you any international purchase fees3.
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Home loan package

More than just a home loan

More than just a home loan

Our offset home loan package gives you a flexible loan structure and great rate. It includes an award-winning~ credit card and transaction account so you can get more than just a home loan.

Middle aged man in a cafe holding a credit/debit card in his hand with a laptop and phone in front of him
Budgeting and saving

Tools for budgeting and saving

Tools for budgeting and saving

  • With our digital tools you can get an overall view of your cash flow so you can feel confident in knowing exactly where you’re putting your money.
  • Use our smart budgeting tools to help you stay on top of your finances – you can get a snapshot of your spending habits, set monthly budgets and categorise payments to help you have full visibility of your financial position all in the one place.
A hand holding a phone (iPhone X) with the Macquarie app open showing the spending and budgeting feature
Image of front cover of Macquarie home loan refinance guide on a grey background

The Macquarie refinancing guide

Refinancing your home loan to get a better rate can feel overwhelming. We want to help you navigate the process, so we’ve created a simple step-by-step guide.

How to apply

If you’re refinancing a residential property and are PAYG employed, you can now apply online.

For all other loan enquiries?request a call?and one of our banking specialists will get in touch.

Apply if you

  • are 18 years old or over,
  • are a permanent resident of Australia.

What's next?

As your application progresses, you'll be kept up to date with email notifications and calls from your dedicated home loan specialist.

Frequently asked questions

To help you complete your home loan application, make sure you have the following information on hand:
?
  • documents relating to your income, including payslips or?income statements
  • your existing home loan statements and contract if applicable
  • details of any debts you currently hold, including balances, limits and monthly repayments
  • access to your transaction history – this will help you determine your monthly living expenses such as groceries, utilities and insurances.
A banking specialist will review your application and contact you within 1-2 business days.
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Resume your refinance application at any time by securely logging in here.
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The rates shown in the refinance application are accurate based on the information provided. All rates are subject to approval and may vary depending on a formal valuation of your property.
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A banking specialist will review your application and call you within 1-2 business days after submission. If you’d like to make an update simply let them know during this call.
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"My usual bank gave me the usual run around, so I chose a home loan with Macquarie."
Chi
Chi smiling outside

New clients

Monday to Friday 8am – 6pm (Sydney time)

13 62 27

Existing clients

Monday to Friday 8am – 6pm (Sydney time)

1800 007 722

Help and support

Visit our online?Help Centre.

Additional information

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The information in this calculator is by way of example only and is not a prediction or professional financial advice. Calculations are not forecasts, but may assist you in making your own projections. Subject to law, Macquarie will not be liable for any loss or damage caused by your use of the calculator. The information in the calculator does not constitute an offer to lend or imply the product is suitable for you.

*

New offset home loan rate applies for new loans when you borrow up to 60% of the property value with a variable rate loan. Subject to change without notice.

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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.

**

Rate applies for new home loans with principal and interest repayment fixed rate when you borrow up to 70% of the property value. Subject to change without notice.

°

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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Rate applies for new loans when you borrow up to 60% of the property value with a principal and interest repayment variable rate loan. Subject to change without notice.

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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.

1

You must be a member of the Qantas program to earn and redeem Qantas Points. A joining fee usually applies, however MBL has arranged for this to be waived if you are a new applicant for a home loan that includes a flyer feature and you apply for membership online at qantas.com/joinffmacquarieflyer. Membership and the earning and redemption of Qantas Points are subject to the Qantas terms and conditions available at qantas.com/terms. Qantas Points, offered by Macquarie Bank Limited (MBL), accrue and will be credited to your Qantas account in accordance with your Home Loan terms and conditions. You may not earn Qantas Points if you are in arrears or default under your loan agreement, or during the construction period of a loan. Macquarie is not responsible for the administration of the Qantas program. Qantas Airways Limited remains at all times solely responsible for the administration of the Qantas program. Qantas has made no enquiries as to the accuracy of the Macquarie products or services described, and is not responsible for errors or omissions.

2

Approval is subject to Macquarie credit criteria and suitability assessment. Terms and conditions apply and are available upon request. Fees and charges apply. Allow up to 10 working days to process your application.

3

We don’t charge fees for card purchases or transactions made or processed outside Australia but others, such as the banks of international merchants, might.

4

The calculations are based on a principal and interest repayment type only. Principal and interest repayments are calculated based on the loan term, interest rate and loan limit.

5

This information is provided by Macquarie Bank Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you. Lending criteria, fees and T&Cs apply.

6

Qantas has made no enquiries as to the accuracy of the Macquarie products or services described, and is not responsible for errors or omissions. Macquarie Bank Basic and Offset home loans are not Qantas products and are not offered or issued by Qantas but by Macquarie as Servicer.

7

Macquarie Bank Basic and Offset home loans are issued by Macquarie and are not Qantas products nor are they offered or issued by Qantas. Qantas has made no enquiries as to the accuracy of the Macquarie products or services described, and is not responsible for errors or omissions.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Information and interest rates are current as at 9 October 2020 and are subject to change.

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