Macquarie Basic Home Loan
Owner-occupierVariableP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Macquarie Bank Limited Home Loan Rates
Active products
49
Lowest variable
6.09%
Lowest fixed
6.09%
Lowest comparison
6.13%
Last updated
28 July 2026
Macquarie Bank is Australia's largest non-Big-Four lender by home-loan book and a tier-one challenger to the majors. Headquartered in Sydney, it operates with no branch network, applications handled through a slick mobile app. Known for sharp owner-occupier and investor pricing, fast turnaround for full-doc PAYG applications, and a particularly clean offset implementation.
What is the lowest Macquarie Bank Limited home loan rate?
The lowest Macquarie Bank Limited variable home loan rate Ratesniffers tracks is 6.09% p.a., and the lowest fixed rate is 6.09% p.a. These figures come from the 48 Macquarie Bank Limited products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).
How many home loan products does Macquarie Bank Limited offer?
Ratesniffers currently tracks 48 Macquarie Bank Limited home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
Macquarie Bank Limited home loan rates at a glance
| Product type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 95% |
| Variable Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 95% |
| Fixed 3-year Owner-occupier P&I | 6.09% p.a. | 6.13% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.14% p.a. | 6.18% p.a. | 95% |
| Fixed 2-year Owner-occupier P&I | 6.14% p.a. | 6.18% p.a. | 95% |
| Fixed 1-year Owner-occupier P&I | 6.19% p.a. | 6.23% p.a. | 95% |
| Variable Investor P&I | 6.19% p.a. | 6.23% p.a. | 90% |
| Fixed 1-year Owner-occupier P&I | 6.19% p.a. | 6.23% p.a. | 95% |
| Variable Investor P&I | 6.19% p.a. | 6.23% p.a. | 90% |
| Fixed 3-year Investor P&I | 6.24% p.a. | 6.28% p.a. | 90% |
| Fixed 3-year Investor P&I | 6.24% p.a. | 6.28% p.a. | 90% |
48 Macquarie Bank Limited home loan products
Macquarie Basic Home Loan
Owner-occupier3y FixedP&IRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier3y FixedP&IOffsetRedrawExtra repayments
Interest
6.09%p.a.
Comparison*
6.13%p.a.
Monthly repayment
$3,027
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier2y FixedP&IRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier2y FixedP&IOffsetRedrawExtra repayments
Interest
6.14%p.a.
Comparison*
6.18%p.a.
Monthly repayment
$3,043
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier1y FixedP&IRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR 70–80%
Macquarie Basic Home Loan
InvestorVariableP&IRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier1y FixedP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR 70–80%
Macquarie Offset Home Loan
InvestorVariableP&IOffsetRedrawExtra repayments
Interest
6.19%p.a.
Comparison*
6.23%p.a.
Monthly repayment
$3,059
LVR 70–80%
Macquarie Basic Home Loan
Investor3y FixedP&IRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Macquarie Offset Home Loan
Investor3y FixedP&IOffsetRedrawExtra repayments
Interest
6.24%p.a.
Comparison*
6.28%p.a.
Monthly repayment
$3,075
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier4y FixedP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier5y FixedP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR 70–80%
Macquarie Basic Home Loan
Investor2y FixedP&IRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier4y FixedP&IOffsetRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier5y FixedP&IOffsetRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR 70–80%
Macquarie Offset Home Loan
Investor2y FixedP&IOffsetRedrawExtra repayments
Interest
6.29%p.a.
Comparison*
6.33%p.a.
Monthly repayment
$3,092
LVR 70–80%
Macquarie Basic Home Loan
Investor1y FixedP&IRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Macquarie Offset Home Loan
Investor1y FixedP&IOffsetRedrawExtra repayments
Interest
6.34%p.a.
Comparison*
6.38%p.a.
Monthly repayment
$3,108
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupierVariableInterest onlyRedrawExtra repayments
Interest
6.40%p.a.
Comparison*
6.44%p.a.
Monthly repayment
$3,128
LVR 70–80%
Macquarie Basic Home Loan
InvestorVariableInterest onlyRedrawExtra repayments
Interest
6.40%p.a.
Comparison*
6.44%p.a.
Monthly repayment
$3,128
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.40%p.a.
Comparison*
6.44%p.a.
Monthly repayment
$3,128
LVR 70–80%
Macquarie Offset Home Loan
InvestorVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.40%p.a.
Comparison*
6.44%p.a.
Monthly repayment
$3,128
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier3y FixedInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Macquarie Basic Home Loan
Investor4y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Macquarie Basic Home Loan
Investor5y FixedP&IRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Macquarie Basic Home Loan
Investor3y FixedInterest onlyRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Macquarie Offset Home Loan
Investor4y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Macquarie Offset Home Loan
Investor5y FixedP&IOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Macquarie Offset Home Loan
Investor3y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier2y FixedInterest onlyRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
Macquarie Basic Home Loan
Investor2y FixedInterest onlyRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
Macquarie Offset Home Loan
Investor2y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.49%p.a.
Comparison*
6.53%p.a.
Monthly repayment
$3,157
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier1y FixedInterest onlyRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
Macquarie Basic Home Loan
Investor1y FixedInterest onlyRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
Macquarie Offset Home Loan
Investor1y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.54%p.a.
Comparison*
6.58%p.a.
Monthly repayment
$3,174
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier4y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Macquarie Basic Home Loan
Owner-occupier5y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Macquarie Basic Home Loan
Investor4y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Macquarie Basic Home Loan
Investor5y FixedInterest onlyRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Macquarie Offset Home Loan
Owner-occupier5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Macquarie Offset Home Loan
Investor4y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Macquarie Offset Home Loan
Investor5y FixedInterest onlyOffsetRedrawExtra repayments
Interest
6.64%p.a.
Comparison*
6.68%p.a.
Monthly repayment
$3,207
LVR 70–80%
Negotiate Macquarie Bank Limited rates with a broker
Advertised rates aren't always the rate Macquarie Bank Limited actually approves. Our broker negotiates against your specific scenario, no fee.
Who is Macquarie Bank Limited?
Macquarie Bank is Australia's fifth-largest home lender and the fastest-growing of the majors, with a home-loan portfolio of about $191.5 billion as at 30 June 2026, up 6% on the prior quarter, and around 7% share of household lending. It runs no branch network for home lending and writes most of its loans digitally.
Macquarie has won share from the big four on the strength of fast approvals, clean digital service and consistently sharp pricing, particularly for lower-LVR refinancers with straightforward scenarios.
Who suits a Macquarie Bank Limited home loan?
Macquarie tends to suit refinancers and buyers with clean applications and deposits of 20% or more, where its pricing and turnaround are at their strongest. Its rates regularly appear near the top of our table, so check the live comparison above; borrowers with complex income or small deposits may find other lenders more accommodating.
Background facts checked 25 July 2026. Rates above refresh independently.
Macquarie Bank Limited home loans: frequently asked questions
What is the lowest Macquarie Bank Limited home loan rate?
Macquarie Bank Limited's lowest variable home loan rate is currently 6.09% p.a., and its lowest fixed rate is 6.09% p.a., based on the 48 Macquarie Bank Limited products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Macquarie Bank Limited approves, a broker can often negotiate a sharper deal on your scenario.
How does Macquarie Bank Limited's home loan rate compare to the market?
Macquarie Bank Limited's lowest variable home loan rate today is 6.09% p.a., which is in line with the market median of 6.09% p.a. today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Macquarie Bank Limited sits right now rather than a fixed snapshot.
How many home loan products does Macquarie Bank Limited offer?
Ratesniffers currently tracks 49 Macquarie Bank Limited home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 48 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Macquarie Bank Limited competitive for refinancing?
It depends on your loan size and LVR. Macquarie Bank Limited's lowest comparison rate is currently 6.13% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Macquarie Bank Limited against the sharpest available rate usually pays off.
How often are Macquarie Bank Limited's home loan rates updated?
Ratesniffers refreshes Macquarie Bank Limited's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Macquarie Bank Limited reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
Macquarie Bank Limited rates by borrower and loan type
The same Macquarie Bank Limited panel, filtered to the scenario you're actually shopping for.
- Macquarie Bank Limited owner-occupier ratesP&I and offset-eligible products, ranked sharpest-first.
- Macquarie Bank Limited investor ratesInvestment lending, interest-only where offered.
- Macquarie Bank Limited refinance ratesRefinance-eligible products versus your current rate.
- Macquarie Bank Limited first home buyer ratesFHB-eligible products, Home Guarantee where supported.
- Macquarie Bank Limited fixed rates1 to 5-year terms where available.
- Macquarie Bank Limited variable ratesFlexible repayments, offset-compatible products.
- Macquarie Bank Limited interest-only ratesIO terms, mostly investor products.
- Macquarie Bank Limited offset loans100% offset-account-eligible products.
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The whole visible panel, sliced by what borrowers actually search for.
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