MCCA
Every product MCCA publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 15 Oct 2026.
- Australian credit licence and AFS licence 290600, held by Firstmac Limited; credit licence since 9 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
- A non-bank lender: it lends but takes no deposits, and publishes its products under the Consumer Data Right like the banks.
13 products in 1 category
All of them home loansMCCA's rates today
MCCA's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 28 October 2026. Only products anyone can apply for are counted.
Where MCCA sits among every institution's best
| Rate | MCCA | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.34%Amlak Select Package (No Offset) | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.10%Amlak Select Fixed | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions |
MCCA home loan repayments
Repayments at MCCA's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- VariableAmlak Select Package (No Offset)6.34%6.41% comparison$3,729a month
$742,618 in interest, $1,342,618 repaid in all
- 1-year fixedAmlak Select Fixed7.10%6.67% comparison$4,032a month
$851,589 in interest, $1,451,589 repaid in all
- 2-year fixedAmlak Select Fixed7.10%6.72% comparison$4,032a month
$851,589 in interest, $1,451,589 repaid in all
- 3-year fixedAmlak Select Fixed7.10%6.77% comparison$4,032a month
$851,589 in interest, $1,451,589 repaid in all
- 5-year fixedAmlak Select Fixed7.40%7.00% comparison$4,154a month
$895,540 in interest, $1,495,540 repaid in all
- Investor variableAmlak Select Basic6.66%6.73% comparison$3,856a month
$788,074 in interest, $1,388,074 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not MCCA's own calculator: confirm the rate with MCCA before you apply.
MCCA home loan rates
Compare across lenders13 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.41%, on its Amlak Select Package (No Offset): 43rd lowest of 102 lenders, level with 7 others.
- Amlak Premium Basic
- Variable (owner occ. P&I)
- 6.49%, 6.56% comparison
- Variable (investor P&I)
- 6.69%
- Max LVR
- 90%
- Amlak Premium Construction
- Max LVR
- 90%
- Features
- extra repayments
- Amlak Premium Fixed
- Fixed
- 1 yr 7.20%, 2 yrs 7.20%, 3 yrs 7.20%, 4 yrs 7.50%, 5 yrs 7.50%
- Max LVR
- 90%
- Features
- extra repayments
- Amlak Premium Offset
- Variable (owner occ. P&I)
- 6.59%, 6.66% comparison
- Variable (investor P&I)
- 6.79%
- Max LVR
- 90%
- Amlak Premium Package (No Offset)
- Variable (owner occ. P&I)
- 6.39%, 6.46% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
- Amlak Premium Package (With Offset)
- Variable (owner occ. P&I)
- 6.49%, 6.56% comparison
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Amlak Select Basic
- Variable (owner occ. P&I)
- 6.43%, 6.50% comparison
- Variable (investor P&I)
- 6.66%
- Max LVR
- 90%
- Amlak Select Construction
- Max LVR
- 90%
- Features
- extra repayments
- Amlak Select Fixed
- Fixed
- 1 yr 7.10%, 2 yrs 7.10%, 3 yrs 7.10%, 4 yrs 7.40%, 5 yrs 7.40%
- Max LVR
- 90%
- Features
- extra repayments
- Amlak Select Offset
- Variable (owner occ. P&I)
- 6.54%, 6.61% comparison
- Variable (investor P&I)
- 6.79%
- Max LVR
- 90%
- Amlak Select Package (No Offset)
- Variable (owner occ. P&I)
- 6.34%, 6.41% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
- Amlak Select Package (With Offset)
- Variable (owner occ. P&I)
- 6.44%, 6.51% comparison
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Amlak SMSF
- Variable (investor P&I)
- 7.29%
- Max LVR
- 80%
- Features
- extra repayments
Every published rate MCCA has changed.
Thu 15 Oct
MCCA cut 20 fixed home loan rates by 0.10 percentage points.
0.10
Published by MCCA under the Consumer Data Right, last changed by them on 15 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.