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Macquarie Bank · Home loans
Macquarie Offset Home Loan
Macquarie Offset Home Loan is a home loan. The figures are the ones Macquarie Bank publishes under the Consumer Data Right today. The advertised rate last moved on 15 October 2026, up from 6.04% to 6.29%.
Advertised rate
6.29%
headline tier
Comparison rate
6.54%
as published
Last moved
+0.25pp
15 October 2026
Advertised rate, last 30 days. Between 6.04% and 6.29% over the last 30 days.
Every current rate (65)
| Tier | Rate | Comparison |
|---|---|---|
| Variable, Owner occupier, P&I, LVR up to 60%Offset owner occupied principal and interest max LVR 60% variable rate | 6.29% | 6.54% |
| Variable, Owner occupier, P&I, LVR 60 to 70%Offset owner occupied principal and interest max LVR 70% variable rate | 6.29% | 6.54% |
| Variable, Owner occupier, P&I, LVR 70 to 80%Offset owner occupied principal and interest max LVR 80% variable rate | 6.34% | 6.59% |
| Variable, Investor, P&I, LVR up to 60%Offset investment principal and interest max LVR 60% variable rate | 6.39% | 6.64% |
| Variable, Investor, P&I, LVR 60 to 70%Offset investment principal and interest max LVR 70% variable rate | 6.44% | 6.69% |
| Fixed 1 year, Owner occupier, P&I, LVR up to 70%Offset owner occupied principal and interest max LVR 70% fixed rate | 6.49% | 6.56% |
| Variable, Investor, P&I, LVR 70 to 80%Offset investment principal and interest max LVR 80% variable rate | 6.49% | 6.74% |
| Fixed 1 year, Owner occupier, P&I, LVR 70 to 80%Offset owner occupied principal and interest max LVR 80% fixed rate | 6.54% | 6.61% |
| Variable, Owner occupier, P&I, LVR 80 to 90%Offset owner occupied principal and interest max LVR 90% variable rate | 6.54% | 6.79% |
| Fixed 2 years, Owner occupier, P&I, LVR up to 70%Offset owner occupied principal and interest max LVR 70% fixed rate | 6.59% | 6.60% |
| Fixed 3 years, Owner occupier, P&I, LVR up to 70%Offset owner occupied principal and interest max LVR 70% fixed rate | 6.59% | 6.62% |
| Variable, Investor, Interest only, LVR up to 60%Offset investment interest only max LVR 60% variable rate | 6.59% | 6.84% |
| Variable, Owner occupier, Interest only, LVR up to 60%Offset owner occupied interest only max LVR 60% variable rate | 6.59% | 6.84% |
| Variable, Investor, Interest only, LVR 60 to 70%Offset investment interest only max LVR 70% variable rate | 6.59% | 6.84% |
| Variable, Owner occupier, Interest only, LVR 60 to 70%Offset owner occupied interest only max LVR 70% variable rate | 6.59% | 6.84% |
| Fixed 1 year, Investor, P&I, LVR up to 70%Offset investment principal and interest max LVR 70% fixed rate | 6.64% | 6.71% |
| Fixed 2 years, Owner occupier, P&I, LVR 70 to 80%Offset owner occupied principal and interest max LVR 80% fixed rate | 6.64% | 6.65% |
| Fixed 3 years, Owner occupier, P&I, LVR 70 to 80%Offset owner occupied principal and interest max LVR 80% fixed rate | 6.64% | 6.67% |
| Fixed 4 years, Owner occupier, P&I, LVR up to 70%Offset owner occupied principal and interest max LVR 70% fixed rate | 6.64% | 6.66% |
| Fixed 5 years, Owner occupier, P&I, LVR up to 70%Offset owner occupied principal and interest max LVR 70% fixed rate | 6.64% | 6.69% |
| Variable, Investor, Interest only, LVR 70 to 80%Offset investment interest only max LVR 80% variable rate | 6.64% | 6.89% |
| Variable, Owner occupier, Interest only, LVR 70 to 80%Offset owner occupied interest only max LVR 80% variable rate | 6.64% | 6.89% |
| Fixed 1 year, Investor, P&I, LVR 70 to 80%Offset investment principal and interest max LVR 80% fixed rate | 6.69% | 6.76% |
| Fixed 4 years, Owner occupier, P&I, LVR 70 to 80%Offset owner occupied principal and interest max LVR 80% fixed rate | 6.69% | 6.71% |
| Fixed 5 years, Owner occupier, P&I, LVR 70 to 80%Offset owner occupied principal and interest max LVR 80% fixed rate | 6.69% | 6.74% |
| Fixed 2 years, Investor, P&I, LVR up to 70%Offset investment principal and interest max LVR 70% fixed rate | 6.74% | 6.75% |
| Fixed 3 years, Investor, P&I, LVR up to 70%Offset investment principal and interest max LVR 70% fixed rate | 6.74% | 6.77% |
| Fixed 2 years, Investor, P&I, LVR 70 to 80%Offset investment principal and interest max LVR 80% fixed rate | 6.79% | 6.80% |
| Fixed 3 years, Investor, P&I, LVR 70 to 80%Offset investment principal and interest max LVR 80% fixed rate | 6.79% | 6.82% |
| Fixed 4 years, Investor, P&I, LVR up to 70%Offset investment principal and interest max LVR 70% fixed rate | 6.79% | 6.81% |
| Fixed 5 years, Investor, P&I, LVR up to 70%Offset investment principal and interest max LVR 70% fixed rate | 6.79% | 6.84% |
| Fixed 1 year, Investor, Interest only, LVR up to 70%Offset investment interest only max LVR 70% fixed rate | 6.84% | 6.86% |
| Fixed 1 year, Owner occupier, Interest only, LVR up to 70%Offset owner occupied interest only max LVR 70% fixed rate | 6.84% | 6.86% |
| Fixed 1 year, Owner occupier, P&I, LVR 80 to 95%Offset owner occupied principal and interest max LVR 95% fixed rate | 6.84% | 7.53% |
| Fixed 4 years, Investor, P&I, LVR 70 to 80%Offset investment principal and interest max LVR 80% fixed rate | 6.84% | 6.86% |
| Fixed 5 years, Investor, P&I, LVR 70 to 80%Offset investment principal and interest max LVR 80% fixed rate | 6.84% | 6.89% |
| Fixed 1 year, Owner occupier, Interest only, LVR 70 to 80%Offset owner occupied interest only max LVR 80% fixed rate | 6.94% | 6.92% |
| Fixed 1 year, Investor, Interest only, LVR 70 to 80%Offset investment interest only max LVR 80% fixed rate | 6.94% | 6.92% |
| Fixed 2 years, Owner occupier, Interest only, LVR up to 70%Offset owner occupied interest only max LVR 70% fixed rate | 6.94% | 6.91% |
| Fixed 2 years, Investor, Interest only, LVR up to 70%Offset investment interest only max LVR 70% fixed rate | 6.94% | 6.91% |
| Fixed 2 years, Owner occupier, P&I, LVR 80 to 95%Offset owner occupied principal and interest max LVR 95% fixed rate | 6.94% | 7.50% |
| Fixed 3 years, Owner occupier, Interest only, LVR up to 70%Offset owner occupied interest only max LVR 70% fixed rate | 6.94% | 6.94% |
| Fixed 3 years, Investor, Interest only, LVR up to 70%Offset investment interest only max LVR 70% fixed rate | 6.94% | 6.94% |
| Fixed 3 years, Owner occupier, P&I, LVR 80 to 95%Offset owner occupied principal and interest max LVR 95% fixed rate | 6.94% | 7.46% |
| Fixed 4 years, Investor, Interest only, LVR up to 70%Offset investment interest only max LVR 70% fixed rate | 6.99% | 6.98% |
| Fixed 4 years, Owner occupier, Interest only, LVR up to 70%Offset owner occupied interest only max LVR 70% fixed rate | 6.99% | 6.98% |
| Fixed 4 years, Owner occupier, P&I, LVR 80 to 95%Offset owner occupied principal and interest max LVR 95% fixed rate | 6.99% | 7.45% |
| Fixed 5 years, Investor, Interest only, LVR up to 70%Offset investment interest only max LVR 70% fixed rate | 6.99% | 7.01% |
| Fixed 5 years, Owner occupier, Interest only, LVR up to 70%Offset owner occupied interest only max LVR 70% fixed rate | 6.99% | 7.01% |
| Fixed 5 years, Owner occupier, P&I, LVR 80 to 95%Offset owner occupied principal and interest max LVR 95% fixed rate | 6.99% | 7.42% |
| Fixed 2 years, Investor, Interest only, LVR 70 to 80%Offset investment interest only max LVR 80% fixed rate | 7.04% | 6.96% |
| Fixed 2 years, Owner occupier, Interest only, LVR 70 to 80%Offset owner occupied interest only max LVR 80% fixed rate | 7.04% | 6.96% |
| Fixed 3 years, Investor, Interest only, LVR 70 to 80%Offset investment interest only max LVR 80% fixed rate | 7.04% | 7.00% |
| Fixed 3 years, Owner occupier, Interest only, LVR 70 to 80%Offset owner occupied interest only max LVR 80% fixed rate | 7.04% | 7.00% |
| Fixed 4 years, Investor, Interest only, LVR 70 to 80%Offset investment interest only max LVR 80% fixed rate | 7.09% | 7.05% |
| Fixed 4 years, Owner occupier, Interest only, LVR 70 to 80%Offset owner occupied interest only max LVR 80% fixed rate | 7.09% | 7.05% |
| Fixed 5 years, Investor, Interest only, LVR 70 to 80%Offset investment interest only max LVR 80% fixed rate | 7.09% | 7.08% |
| Fixed 5 years, Owner occupier, Interest only, LVR 70 to 80%Offset owner occupied interest only max LVR 80% fixed rate | 7.09% | 7.08% |
| Fixed 1 year, Investor, P&I, LVR 80 to 90%Offset investment principal and interest max LVR 90% fixed rate | 7.34% | 7.59% |
| Variable, Owner occupier, P&I, LVR 90 to 95%Offset owner occupied principal and interest max LVR 95% variable rate | 7.34% | 7.58% |
| Fixed 3 years, Investor, P&I, LVR 80 to 90%Offset investment principal and interest max LVR 90% fixed rate | 7.35% | 7.59% |
| Variable, Investor, P&I, LVR 80 to 90%Offset investment principal and interest max LVR 90% variable rate | 7.35% | 7.59% |
| Fixed 2 years, Investor, P&I, LVR 80 to 90%Offset investment principal and interest max LVR 90% fixed rate | 7.39% | 7.60% |
| Fixed 4 years, Investor, P&I, LVR 80 to 90%Offset investment principal and interest max LVR 90% fixed rate | 7.55% | 7.67% |
| Fixed 5 years, Investor, P&I, LVR 80 to 90%Offset investment principal and interest max LVR 90% fixed rate | 7.55% | 7.68% |
Rate moves, last 30 days
- 20 October 2026: Variable, Investor, Interest only, LVR up to 60% cut 0.01pp, from 6.60% to 6.59%.
- 20 October 2026: Variable, Owner occupier, Interest only, LVR up to 60% cut 0.01pp, from 6.60% to 6.59%.
- 20 October 2026: Variable, Owner occupier, Interest only, LVR 60 to 70% cut 0.05pp, from 6.64% to 6.59%.
- 20 October 2026: Variable, Investor, Interest only, LVR 60 to 70% cut 0.05pp, from 6.64% to 6.59%.
- 20 October 2026: Variable, Investor, Interest only, LVR 70 to 80% cut 0.10pp, from 6.74% to 6.64%.
- 20 October 2026: Variable, Owner occupier, Interest only, LVR 70 to 80% cut 0.10pp, from 6.74% to 6.64%.
- 15 October 2026: 14 tiers lifted 0.25pp; the lowest, Variable, Owner occupier, P&I, LVR 60 to 70%, from 6.04% to 6.29%.
Published fees
| Fee | Amount |
|---|---|
| Construction Administration Feewhen it happens: A one-off fee payable at settlement which covers valuation costs and progress payments during construction period. | $1,500 |
| Application Feeupfront | $0 |
| Monthly Feerecurring | $0 |
| Annual Package Feerecurring: $124 charged every 6 months in arrears based on loan Settlement Date. | $248 |
| Break Cost: Break costs may be payable on early repayment during fixed rate periods if any of the following three events occur: 1. | see lender |
| Documentation Feeupfront: Payable to the Lender in relation to preparing your loan documents and arranging settlement. | $350 |
| Low Deposit Feeupfront: 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 | see lender |
| Special Attendance Fee: 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. | see lender |
| Third Party Fees: 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 th | see lender |
| Mortgage Discharge Feeon exit: Payable if you request a full discharge of any Mortgage, in addition to any third party fees. | $400 |
| Third party Settlement Feeupfront: 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. | see lender |
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