Macquarie
Macquarie Offset Home Loan
The Macquarie offset home loan package is designed to reduce your interest repayments, bucket your savings and access your savings without additional fees.
Home loansBank updated 8 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 6.04% · 6.29% comparison
- Variable (investor P&I)
- 6.14%
- Fixed
- 1 yr 6.39% · 2 yrs 6.39% · 3 yrs 6.39% · 4 yrs 6.44% · 5 yrs 6.44%
- Max LVR
- 95%
- Annual fee
- $248
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 65
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · Interest only | 1 yr fixed | ≤70% LVR | 6.74% | 6.67% | — |
| Fixed | Investment · Interest only | 1 yr fixed | 70–80% LVR | 6.84% | 6.77% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | ≤70% LVR | 6.74% | 6.71% | — |
| Fixed | Investment · Interest only | 2 yrs fixed | 70–80% LVR | 6.84% | 6.81% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | ≤70% LVR | 6.74% | 6.74% | — |
| Fixed | Investment · Interest only | 3 yrs fixed | 70–80% LVR | 6.84% | 6.84% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | ≤70% LVR | 6.79% | 6.78% | — |
| Fixed | Investment · Interest only | 4 yrs fixed | 70–80% LVR | 6.89% | 6.88% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | ≤70% LVR | 6.79% | 6.81% | — |
| Fixed | Investment · Interest only | 5 yrs fixed | 70–80% LVR | 6.89% | 6.91% | — |
| Fixed | Investment · P&I | 1 yr fixed | ≤70% LVR | 6.54% | 6.47% | — |
| Fixed | Investment · P&I | 1 yr fixed | 70–80% LVR | 6.59% | 6.52% | — |
| Fixed | Investment · P&I | 1 yr fixed | 80–90% LVR | 7.24% | 7.36% | — |
| Fixed | Investment · P&I | 2 yrs fixed | ≤70% LVR | 6.54% | 6.51% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 70–80% LVR | 6.59% | 6.56% | — |
| Fixed | Investment · P&I | 2 yrs fixed | 80–90% LVR | 7.19% | 7.36% | — |
| Fixed | Investment · P&I | 3 yrs fixed | ≤70% LVR | 6.54% | 6.54% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 70–80% LVR | 6.59% | 6.59% | — |
| Fixed | Investment · P&I | 3 yrs fixed | 80–90% LVR | 7.15% | 7.36% | — |
| Fixed | Investment · P&I | 4 yrs fixed | ≤70% LVR | 6.59% | 6.58% | — |
| Fixed | Investment · P&I | 4 yrs fixed | 70–80% LVR | 6.64% | 6.63% | — |
| Fixed | Investment · P&I | 4 yrs fixed | 80–90% LVR | 7.35% | 7.44% | — |
| Fixed | Investment · P&I | 5 yrs fixed | ≤70% LVR | 6.59% | 6.61% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 70–80% LVR | 6.64% | 6.66% | — |
| Fixed | Investment · P&I | 5 yrs fixed | 80–90% LVR | 7.35% | 7.45% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | ≤70% LVR | 6.74% | 6.67% | — |
| Fixed | Owner occupied · Interest only | 1 yr fixed | 70–80% LVR | 6.84% | 6.77% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | ≤70% LVR | 6.74% | 6.71% | — |
| Fixed | Owner occupied · Interest only | 2 yrs fixed | 70–80% LVR | 6.84% | 6.81% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | ≤70% LVR | 6.74% | 6.74% | — |
| Fixed | Owner occupied · Interest only | 3 yrs fixed | 70–80% LVR | 6.84% | 6.84% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | ≤70% LVR | 6.79% | 6.78% | — |
| Fixed | Owner occupied · Interest only | 4 yrs fixed | 70–80% LVR | 6.89% | 6.88% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | ≤70% LVR | 6.79% | 6.81% | — |
| Fixed | Owner occupied · Interest only | 5 yrs fixed | 70–80% LVR | 6.89% | 6.91% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | ≤70% LVR | 6.39% | 6.33% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 70–80% LVR | 6.44% | 6.38% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | 80–95% LVR | 6.74% | 7.29% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | ≤70% LVR | 6.39% | 6.36% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 70–80% LVR | 6.44% | 6.41% | — |
| Fixed | Owner occupied · P&I | 2 yrs fixed | 80–95% LVR | 6.74% | 7.26% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | ≤70% LVR | 6.39% | 6.39% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 70–80% LVR | 6.44% | 6.44% | — |
| Fixed | Owner occupied · P&I | 3 yrs fixed | 80–95% LVR | 6.74% | 7.23% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | ≤70% LVR | 6.44% | 6.43% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | 70–80% LVR | 6.49% | 6.48% | — |
| Fixed | Owner occupied · P&I | 4 yrs fixed | 80–95% LVR | 6.79% | 7.22% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | ≤70% LVR | 6.44% | 6.46% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 70–80% LVR | 6.49% | 6.51% | — |
| Fixed | Owner occupied · P&I | 5 yrs fixed | 80–95% LVR | 6.79% | 7.20% | — |
| Variable | Investment · Interest only | — | ≤60% LVR | 6.35% | 6.60% | — |
| Variable | Investment · Interest only | — | 60–70% LVR | 6.39% | 6.64% | — |
| Variable | Investment · Interest only | — | 70–80% LVR | 6.49% | 6.74% | — |
| Variable | Investment · P&I | — | ≤60% LVR | 6.14% | 6.39% | — |
| Variable | Investment · P&I | — | 60–70% LVR | 6.19% | 6.44% | — |
| Variable | Investment · P&I | — | 70–80% LVR | 6.24% | 6.49% | — |
| Variable | Investment · P&I | — | 80–90% LVR | 7.10% | 7.34% | — |
| Variable | Owner occupied · Interest only | — | ≤60% LVR | 6.35% | 6.60% | — |
| Variable | Owner occupied · Interest only | — | 60–70% LVR | 6.39% | 6.64% | — |
| Variable | Owner occupied · Interest only | — | 70–80% LVR | 6.49% | 6.74% | — |
| Variable | Owner occupied · P&I | — | ≤60% LVR | 6.04% | 6.29% | — |
| Variable | Owner occupied · P&I | — | 60–70% LVR | 6.04% | 6.29% | — |
| Variable | Owner occupied · P&I | — | 70–80% LVR | 6.09% | 6.34% | — |
| Variable | Owner occupied · P&I | — | 80–90% LVR | 6.29% | 6.54% | — |
| Variable | Owner occupied · P&I | — | 90–95% LVR | 7.09% | 7.33% | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Construction Administration Fee | Event | $1,500 | — | A one-off fee payable at settlement which covers valuation costs and progress payments during construction period. |
| Mortgage Discharge Fee | Exit | $400 | — | Payable if you request a full discharge of any Mortgage, in addition to any third party fees. |
| Break Cost | Other | Varies | — | Break costs may be payable on early repayment during fixed rate periods if any of the following three events occur: 1. The whole of a fixed rate Loan Account is repaid. 2. The borrower makes addition… |
| Special Attendance Fee | Other | Varies | — | Payable if the borrower requests a special service (for example consenting to a dealing with the Mortgage Property), in addition to any third party fees. |
| Third Party Fees | Other | Varies | — | Payable if the Lender incurs a fee from any third party, including our solicitors, as a result of any matter relating to the Loan Agreement or Security after the Settlement Date. This fee includes GS… |
| Annual Package Fee | Periodic | $248 | Every 1 yr | $124 charged every 6 months in arrears based on loan Settlement Date. One package fee covers up to 5 loan applications that are submitted within 6 months, and where borrowers are common across each o… |
| Monthly Fee | Periodic | No fee | Every 1 mo | — |
| Application Fee | Upfront | No fee | — | — |
| Documentation Fee | Upfront | $350 | — | Payable to the Lender in relation to preparing your loan documents and arranging settlement. |
| Low Deposit Fee | Upfront | Varies | — | Applicable for loans with an LVR >80%, where a once off amount is payable by the borrower, in connection with the low deposit being paid, and/or the low amount of equity the borrower has in the secur… |
| Third party Settlement Fee | Upfront | Varies | — | Payable when the Lender incurs a fee from any third party, including our solicitors, as a result of any matter relating to the settlement of your loan. |
§ 03 — Features
Offset accountRedrawExtra repaymentsGuarantor optionDigital banking
- · 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 c…
- · Construction Loans. Borrowers can draw down their home loan in stages to fund their renovation or new home build.
- · Repayments can be made via Direct Debit or Salary Credit/Electronic Funds Transfer.
- · Maximum Loan term of up to 30 years.
- · Minimum increase amount $25,000.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Permanent resident of Australia.
- · Amount $150,000 to $10,000,000
- · Maximum LVR 95%
- · Lending criteria, fees and T&Cs apply.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Macquarie Bank Limited under the Consumer Data Right, last changed by them on 8 Sept 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.