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Example Interest Rates: Home Loan Variable: 5.80% (5.85%*) • Home Loan Fixed: 6.04% (6.83%*) • Fixed: 6.04% (6.83%*) • Variable: 5.80% (5.85%*) • Investment IO: 6.19% (6.22%*) • Investment PI: 6.04% (5.95%*)
Product Library

  Macquarie Offset Home Loan

An Offset home loan allows you to pay off your loan faster by using your savings to reduce the amount of interest you pay.
Category: Home Loans  Last Updated June 5, 2026  Effective June 22, 2026

General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
6.09% PA
Comparison Rate
6.34%PA*
Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for 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 apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.
Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations

Product rates and conditions will vary based on the LVR and other conditions.

Lending Rate Type: Variable
Interest Rate: 6.09%, Comparison Rate 6.34%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.14%, Comparison Rate 6.39%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.34%, Comparison Rate 6.59%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 7.14%, Comparison Rate 7.38%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.35%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 7.32%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.35%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.40%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.25%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.34%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.14%, Comparison Rate 6.39%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 7.19%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 6.41%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.46%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 7.21%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 6.43%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.48%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.69%, Comparison Rate 7.18%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.40%, Comparison Rate 6.65%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.69%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.79%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.70%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.80%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.70%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.80%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.69%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.79%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.76%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.86%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.77%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.87%
Repayment Type: Interest Only
Loan Purpose: Owner Occupied

Lending Rate Type: Variable
Interest Rate: 6.19%, Comparison Rate 6.44%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.24%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.29%, Comparison Rate 6.54%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 7.15%, Comparison Rate 7.39%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.50%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.55%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.24%, Comparison Rate 7.40%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 6.50%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.34%, Comparison Rate 6.55%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.19%, Comparison Rate 7.40%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.24%, Comparison Rate 6.49%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.29%, Comparison Rate 6.54%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.15%, Comparison Rate 7.39%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.56%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.61%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.35%, Comparison Rate 7.47%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.58%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.63%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 7.35%, Comparison Rate 7.48%
Repayment Type: Principal And Interest
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.40%, Comparison Rate 6.65%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.44%, Comparison Rate 6.69%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Variable
Interest Rate: 6.54%, Comparison Rate 6.79%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.70%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.80%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.49%, Comparison Rate 6.70%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.59%, Comparison Rate 6.80%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.44%, Comparison Rate 6.69%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.54%, Comparison Rate 6.79%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.76%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.86%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.64%, Comparison Rate 6.77%
Repayment Type: Interest Only
Loan Purpose: Investment

Lending Rate Type: Fixed
Interest Rate: 6.74%, Comparison Rate 6.87%
Repayment Type: Interest Only
Loan Purpose: Investment

Product Features

  • Offset Additional Information: 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 Additional Information: 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 Additional Information: 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 Additional Information: Construction Loans. Borrowers can draw down their home loan in stages to fund their renovation or new home build.
  • Other Additional Information: Repayments can be made via Direct Debit or Salary Credit/Electronic Funds Transfer.
  • Redraw Additional Information: 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 Additional Information: Maximum Loan term of up to 30 years.
  • Other Additional Information: Minimum increase amount $25,000.
  • Extra Repayments Additional Information: 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 Additional Information: Subject to review, a guarantor can be nominated during the loan origination process.

Product Eligibility

  • Residency Status - Permanent Resident Of Australia..
  • Min Age - 18. Additional Information: Minimum age requirement.
  • Other Additional Information: Lending criteria, fees and T&Cs apply.

Bank Fees and Charges

  • Construction Administration Fee (Event), Amount: 1500.00. Additional Information: A one-off fee payable at settlement which covers valuation costs and progress payments during construction period.
  • Application Fee (Upfront), Amount: 0.00.
  • Monthly Fee (Periodic), Amount: 0.00.
  • Annual Package Fee (Periodic), Amount: 248.00. Additional Information: $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 of the applications
  • Break Cost (Variable), Amount: Not Listed.. Additional Information: 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 additional repayments in excess of $10,000 into a fixed rate Loan Account in any year of the fixed rate term (i.e. in any 12 months from the date the fixed rate period commences). 3. The borrower changes the whole or part of the fixed rate Loan Account to another type of interest rate or repayment type, including changing to a different fixed rate period. The break cost could be substantial. Contact us for further information.
  • Documentation Fee (Upfront), Amount: 350.00. Additional Information: Payable to the Lender in relation to preparing your loan documents and arranging settlement.
  • Low Deposit Fee (Upfront), Amount: Not Listed.. Additional Information: 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 security property.
  • Special Attendance Fee (Variable), Amount: Not Listed.. Additional Information: 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 (Variable), Amount: Not Listed.. Additional Information: 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 GST.
  • Mortgage Discharge Fee (Exit), Amount: 400.00. Additional Information: Payable if you request a full discharge of any Mortgage, in addition to any third party fees.
  • Third Party Settlement Fee (Upfront), Amount: Not Listed.. Additional Information: 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00 Additional Information: Minimum new loan amount $150,000.
  • Max Limit of 10000000.00 Additional Information: Maximum new loan amount $10,000,000.
  • Max Lvr of 0.95 Additional Information: Maximum LVR (Loan to Value Ratio) 0.95

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