Home loan rates › Macquarie Bank Limited
Macquarie Offset Home Loan
Macquarie Bank Limited
CDR official
The Macquarie offset home loan package is designed to reduce your interest repayments, bucket your savings and access your savings without additional fees.
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% | 6.86% | Fixed · 1 year · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.92% | Fixed · 1 year · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.91% | Fixed · 2 years · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.96% | Fixed · 2 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.94% | Fixed · 3 years · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.04% | 7.00% | Fixed · 3 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 6.98% | Fixed · 4 years · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 7.05% | Fixed · 4 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 7.01% | Fixed · 5 years · investment · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 7.08% | Fixed · 5 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.64% | 6.71% | Fixed · 1 year · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.76% | Fixed · 1 year · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.34% | 7.59% | Fixed · 1 year · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.74% | 6.75% | Fixed · 2 years · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.80% | Fixed · 2 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.39% | 7.60% | Fixed · 2 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.74% | 6.77% | Fixed · 3 years · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.79% | 6.82% | Fixed · 3 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.35% | 7.59% | Fixed · 3 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.81% | Fixed · 4 years · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.84% | 6.86% | Fixed · 4 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.55% | 7.67% | Fixed · 4 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.79% | 6.84% | Fixed · 5 years · investment · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.84% | 6.89% | Fixed · 5 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.55% | 7.68% | Fixed · 5 years · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.84% | 6.86% | Fixed · 1 year · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.94% | 6.92% | Fixed · 1 year · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.91% | Fixed · 2 years · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.04% | 6.96% | Fixed · 2 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 6.94% | Fixed · 3 years · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.04% | 7.00% | Fixed · 3 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 6.98% | Fixed · 4 years · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 7.05% | Fixed · 4 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 7.01% | Fixed · 5 years · owner occupied · interest only · LVR 70% or less | CDR | 1 Nov 2026 | |
| 7.09% | 7.08% | Fixed · 5 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.49% | 6.56% | Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.54% | 6.61% | Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.84% | 7.53% | Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 6.60% | Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.65% | Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 7.50% | Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 6.62% | Fixed · 3 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.67% | Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.94% | 7.46% | Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.64% | 6.66% | Fixed · 4 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.71% | Fixed · 4 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 7.45% | Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.64% | 6.69% | Fixed · 5 years · owner occupied · principal and interest · LVR 70% or less | CDR | 1 Nov 2026 | |
| 6.69% | 6.74% | Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.99% | 7.42% | Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95% | CDR | 1 Nov 2026 | |
| 6.59% | 6.84% | Variable · investment · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.59% | 6.84% | Variable · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.64% | 6.89% | Variable · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.39% | 6.64% | Variable · investment · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.44% | 6.69% | Variable · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.49% | 6.74% | Variable · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.35% | 7.59% | Variable · investment · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 6.59% | 6.84% | Variable · owner occupied · interest only · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.59% | 6.84% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.64% | 6.89% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.29% | 6.54% | Variable · owner occupied · principal and interest · LVR 60% or less | CDR | 1 Nov 2026 | |
| 6.29% | 6.54% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.34% | 6.59% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.54% | 6.79% | Variable · owner occupied · principal and interest · LVR 80%–90% | CDR | 1 Nov 2026 | |
| 7.34% | 7.58% | 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/LN001MBLSTD001- Content hash
sha256 f05a815227d04e141ad5d6fdf519cfeadb17e3f22ef965ede265cf4f8dc191d4- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_f05a815227d04e14_edcfd0a1Show details
- Checked
- 1 Nov 2026
- URL
https://api.macquariebank.io/cds-au/v1/banking/products/LN001MBLSTD001- Content hash
sha256 f05a815227d04e141ad5d6fdf519cfeadb17e3f22ef965ede265cf4f8dc191d4- 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 Package Fee | Periodic | $248.00 |
| 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 |
|---|---|---|
| Offset | Open up to 10 offset transaction accounts per loan account with an optional Debit Mastercard. Offset home loans must have at least 1 offset transaction account linked to a variable loan account with a minimum loan size of $20,000. Offset transaction accounts can only be linked to variable rate loans. | |
| Other | Have up to 6 loan accounts on settlement and unlimited after settlement. 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 | Construction Loans. Borrowers can draw down their home loan in stages to fund their renovation or new home build. | |
| Other | Repayments can be made via Direct Debit or Salary Credit/Electronic Funds Transfer. | |
| 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 | Maximum Loan term of up to 30 years. | |
| Other | Minimum increase amount $25,000. | |
| 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. | |
| 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 |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.39% | 6.64% |
| Fixed · 2 years · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.94% | 6.91% |
| Fixed · 1 year · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 6.92% |
| Variable · owner occupied · principal and interest · LVR 90%–95% | 1 Nov 2026 | Current | 7.34% | 7.58% |
| Variable · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.35% | 7.59% |
| Fixed · 5 years · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 7.01% |
| Fixed · 4 years · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.79% | 6.81% |
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.59% | 6.84% |
| Variable · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.89% |
| Fixed · 2 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.04% | 6.96% |
| Fixed · 4 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 7.05% |
| Fixed · 1 year · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.34% | 7.59% |
| Fixed · 3 years · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.94% | 6.94% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.89% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.49% | 6.74% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.99% | 7.45% |
| Fixed · 4 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 7.05% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 6.74% |
| Fixed · 3 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.04% | 7.00% |
| Fixed · 1 year · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.84% | 6.86% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 6.69% |
| Fixed · 3 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.04% | 7.00% |
| Fixed · 5 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 7.08% |
| Fixed · 5 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.99% | 7.42% |
| Fixed · 1 year · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.84% | 6.86% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.65% |
| Variable · owner occupied · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 6.54% | 6.79% |
| Fixed · 2 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.80% |
| Fixed · 4 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.84% | 6.86% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.29% | 6.54% |
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.34% | 6.59% |
| Fixed · 1 year · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 6.71% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.49% | 6.56% |
| Fixed · 5 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.84% | 6.89% |
| Fixed · 2 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.39% | 7.60% |
| Fixed · 5 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.09% | 7.08% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 6.71% |
| Fixed · 3 years · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.74% | 6.77% |
| Variable · owner occupied · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 6.29% | 6.54% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 7.50% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.94% | 7.46% |
| Fixed · 4 years · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 6.98% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.59% | 6.60% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.64% | 6.67% |
| Fixed · 5 years · investment · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 7.01% |
| Fixed · 3 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.79% | 6.82% |
| Fixed · 5 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.55% | 7.68% |
| Fixed · 2 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.04% | 6.96% |
| Variable · investment · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.59% | 6.84% |
| Fixed · 4 years · owner occupied · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.64% | 6.66% |
| Fixed · 1 year · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.69% | 6.76% |
| Fixed · 2 years · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.94% | 6.91% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 80%–95% | 1 Nov 2026 | Current | 6.84% | 7.53% |
| Fixed · 3 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.35% | 7.59% |
| Fixed · 4 years · investment · principal and interest · LVR 80%–90% | 1 Nov 2026 | Current | 7.55% | 7.67% |
| Fixed · 2 years · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | 6.74% | 6.75% |
| Fixed · 4 years · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.99% | 6.98% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.44% | 6.69% |
| Fixed · 1 year · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.94% | 6.92% |
| Fixed · 3 years · owner occupied · interest only · LVR 70% or less | 1 Nov 2026 | Current | 6.94% | 6.94% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 70% 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% | 6.84% |
| Variable · owner occupied · interest only · LVR 60% or less | 1 Nov 2026 | Current | 6.59% | 6.84% |
| Variable · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.59% | 6.84% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.54% | 6.61% |
*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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