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The Mac rates
The Mac publishes 37 products with a current advertised rate. The rates below are the ones it publishes under the Consumer Data Right today; a rate marked restricted is open only to a stated occupation, employer or membership. Click a product for every rate, its 30-day history and its latest moves, or see every rate in the explorer.
The Mac's lowest home loan rate is 6.17% on 2 Year Discounted Basic Variable Loan Owner Occupied P&I, 0.57 points below the median of 6.74%, the median of all 1,247 advertised home loan rates from 83 lenders. Its highest savings account rate is 2.00% on Christmas Saver, 2.00 points below the median of 4.00%, the median of all 197 advertised savings account rates from 76 lenders. The Mac repriced 6 products in the last 30 days, most recently lifting Christmas Saver on 2 November 2026, from 1.50% to 2.00%.
Home loans
Savings accounts
| Product | Advertised rate |
|---|---|
| Christmas Saver | 2.00% |
| eSaver | 2.00% |
Term deposits
| Product | Advertised rate |
|---|---|
| Mini Mac Term Deposit | 5.20% |
| Term Savings I4 | 5.20% |
| Youth Saver Term Dep. | 5.20% |
Transaction accounts
| Product | Advertised rate |
|---|---|
| Freedom Years | 2.20% |
Personal loans
| Product | Advertised rate | Comparison rate |
|---|---|---|
| L38 New Car Loan Fixed Special | 6.29% | 6.66% |
| Secured Personal Fixed | 9.49% | 9.87% |
| Unsecured Personal Fixed | 15.99% | 16.29% |
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