A home loan built on value with great rates and no annual fee.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.84% | 6.64% | Fixed · 1 year · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.70% | Fixed · 1 year · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.69% | Fixed · 2 years · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.75% | Fixed · 2 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.72% | Fixed · 3 years · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.78% | Fixed · 3 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 6.76% | Fixed · 4 years · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.83% | Fixed · 4 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 6.79% | Fixed · 5 years · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.87% | Fixed · 5 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.64% | 6.49% | Fixed · 1 year · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.54% | Fixed · 1 year · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.34% | 7.38% | Fixed · 1 year · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.74% | 6.52% | Fixed · 2 years · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.57% | Fixed · 2 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.39% | 7.38% | Fixed · 2 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.74% | 6.55% | Fixed · 3 years · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.60% | Fixed · 3 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.35% | 7.38% | Fixed · 3 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.59% | Fixed · 4 years · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.84% | 6.64% | Fixed · 4 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.55% | 7.45% | Fixed · 4 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.62% | Fixed · 5 years · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.84% | 6.67% | Fixed · 5 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.55% | 7.47% | Fixed · 5 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.84% | 6.64% | Fixed · 1 year · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.70% | Fixed · 1 year · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.69% | Fixed · 2 years · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.75% | Fixed · 2 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.72% | Fixed · 3 years · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.78% | Fixed · 3 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 6.76% | Fixed · 4 years · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.83% | Fixed · 4 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 6.79% | Fixed · 5 years · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 6.87% | Fixed · 5 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.49% | 6.34% | Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.39% | Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.84% | 7.31% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 6.37% | Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.42% | Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 7.28% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 6.40% | Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.45% | Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 7.25% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.64% | 6.44% | Fixed · 4 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.49% | Fixed · 4 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 7.23% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.64% | 6.47% | Fixed · 5 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.52% | Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 7.21% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 6.62% | Variable · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.59% | 6.62% | Variable · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.64% | 6.67% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.39% | 6.41% | Variable · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.44% | 6.46% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.49% | 6.52% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.35% | 7.38% | Variable · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.59% | 6.62% | Variable · owner occupied · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.59% | 6.62% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.64% | 6.67% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.29% | 6.31% | Variable · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.29% | 6.31% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.34% | 6.36% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.54% | 6.57% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.34% | 7.37% | Variable · owner occupied · principal and interest · LVR 90%–95% | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLBAS001- Content hash
sha256 1b8ee7a47f0cd8fb32cdaa5300401878f93428f4794e5633db5eade70988cf7d- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_1b8ee7a47f0cd8fb_b25343edShow details
- Checked
- 1 Nov 2026
- URL
https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLBAS001- Content hash
sha256 1b8ee7a47f0cd8fb32cdaa5300401878f93428f4794e5633db5eade70988cf7d- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Construction Administration Fee | Event | $1,500.00 |
| Application Fee | Upfront | $0.00 |
| Monthly Fee | Periodic | $0.00 |
| Annual Fee | Periodic | $0.00 |
| Break Cost | Other | Set in your letter of offer |
| Documentation Fee | Upfront | $350.00 |
| Low Deposit Fee | Upfront | Set in your letter of offer |
| Special Attendance Fee | Other | Set in your letter of offer |
| Third Party Fees | Other | Set in your letter of offer |
| Mortgage Discharge Fee | Exit | $400.00 |
| Third party Settlement Fee | Upfront | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Redraw | Access additional payments you've made through the redraw facility. Redraw cannot be accessed on fixed rate loan accounts until after the fixed period expires. | |
| Other | Have up to 6 loan accounts. Each loan account can be set up with either principal and interest or interest only repayments for up to 5 years (subject to credit approval). Each loan account can also be set up with either a variable rate or a fixed rate for periods of 1-5 years. Repayments are due monthly. | |
| Digital banking | Access to online banking and mobile banking app. Pay Anyone available with a $100,000 daily limit across all eligible accounts linked to a Macquarie ID for customers who use the Macquarie Authenticator App and a daily limit of $2,000 for customers without Authenticator. BPAY® out available up to the available balance of your account. | |
| Other | Repayments can be made via Direct Debit or Salary Credit/Electronic Funds Transfer. | |
| Other | Maximum Loan term of up to 30 years. | |
| Extra repayments | Extra repayments can be made in addition to regular monthly loan repayments. Note: You can make extra repayments on your fixed home loan of up to $10,000 per account which can be made each year without penalty (additional payments above this amount may incur break costs). The 12-month period is calculated from the date the fixed term commenced. | |
| Other | Construction Loans. Borrowers can draw down their home loan in stages to fund their renovation or new home build | |
| Other | Minimum increase amount $25,000. | |
| Guarantor | Subject to review, a guarantor can be nominated during the loan origination process. | |
| Eligibility: residency status | Permanent resident of Australia. | |
| Eligibility: min age | 18 | Minimum age requirement. |
| Eligibility: other | Lending criteria, fees and T&Cs apply. | |
| Limit: min limit | 150000.00 | |
| Limit: max limit | 10000000.00 | |
| Limit: max lvr | 0.95 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 2 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.57% |
| Fixed · 5 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 6.87% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.34% | 6.36% |
| Fixed · 1 year · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 6.54% |
| Fixed · 4 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.84% | 6.64% |
| Fixed · 2 years · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.94% | 6.69% |
| Fixed · 1 year · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 6.70% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 6.44% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.29% | 6.31% |
| Variable · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.34% | 7.37% |
| Fixed · 4 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.55% | 7.45% |
| Fixed · 5 years · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 6.79% |
| Fixed · 1 year · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.84% | 6.64% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.99% | 7.23% |
| Fixed · 3 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.04% | 6.78% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.59% | 6.37% |
| Fixed · 2 years · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.74% | 6.52% |
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.59% | 6.62% |
| Fixed · 4 years · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 6.76% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.42% |
| Fixed · 5 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.84% | 6.67% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.49% | 6.34% |
| Variable · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.39% | 6.41% |
| Fixed · 3 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.60% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.84% | 7.31% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.39% | 7.38% |
| Variable · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.59% | 6.62% |
| Fixed · 3 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.04% | 6.78% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.44% | 6.46% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 6.47% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 6.52% |
| Fixed · 1 year · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 6.49% |
| Fixed · 4 years · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.79% | 6.59% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.67% |
| Fixed · 5 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 6.87% |
| Fixed · 1 year · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 6.70% |
| Fixed · 3 years · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.94% | 6.72% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.54% | 6.57% |
| Fixed · 5 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.55% | 7.47% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 6.49% |
| Fixed · 2 years · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.94% | 6.69% |
| Fixed · 4 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 6.83% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.49% | 6.52% |
| Fixed · 3 years · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.94% | 6.72% |
| Fixed · 2 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.04% | 6.75% |
| Fixed · 4 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 6.83% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 7.25% |
| Fixed · 1 year · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.34% | 7.38% |
| Variable · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.29% | 6.31% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.59% | 6.62% |
| Fixed · 5 years · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 6.79% |
| Fixed · 2 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.04% | 6.75% |
| Fixed · 1 year · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.84% | 6.64% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.35% | 7.38% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.99% | 7.21% |
| Variable · owner occupied · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.59% | 6.62% |
| Fixed · 5 years · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.79% | 6.62% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 7.28% |
| Fixed · 3 years · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.74% | 6.55% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.59% | 6.40% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.54% | 6.39% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.67% |
| Fixed · 4 years · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 6.76% |
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.35% | 7.38% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.45% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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