7.2 / 10

based on 50 reviews as rated by Mozo community

Macquarie Credit Union home loans

Macquarie Credit Union offers its financial services and products to members of any Local, State or Federal Government, Australia Post, Auscott Pty Ltd and Macquarie Credit union employees. It offers members a range of financial products in home and personal loans, car loans, savings accounts, term deposits, credit cards, debit cards and car insurance. Macquarie Credit Union offers its members financial products that are competitively priced and flexible, to suit their needs.

What home loans do Macquarie Credit Union offer?

Rates and fees verified as correct at 27 October, 2020. Other information correct at the time of writing. Advertiser disclosure.

Fixed Rate Home Loans

Home loan repayments calculator

years

Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

2.97% p.a.

4.11% p.a.

$0.00

$536

3.25% p.a.

4.32% p.a.

$0.00

$536

Variable Rate Home Loans

Home loan repayments calculator

years

Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.20% p.a.

4.24% p.a.

$0.00

$536

2.85% p.a.

2.89% p.a.

$0.00

$536

3.45% p.a.variable for 24 months and then 4.45% p.a.

4.31% p.a.

$0.00

$536

3.95% p.a.variable for 36 months and then 4.45% p.a.

4.36% p.a.

$0.00

$536

3.91% p.a.

4.07% p.a.

$10.00 monthly

$500

4.45% p.a.

4.49% p.a.

$0.00

$536

4.39% p.a.

4.43% p.a.

$0.00

$536

3.05% p.a.

3.09% p.a.

$0.00

$536

3.64% p.a.variable for 24 months and then 4.64% p.a.

4.50% p.a.

$0.00

$536

4.64% p.a.

4.68% p.a.

$0.00

$536

Variable Package Home Loan

Home loan repayments calculator

years

Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.35% p.a.

4.77% p.a.

$400.00 yearly

$286

3.95% p.a.

4.38% p.a.

$400.00 yearly

$286

3.85% p.a.

4.28% p.a.

$400.00 yearly

$286

3.55% p.a.

3.98% p.a.

$400.00 yearly

$286

4.54% p.a.

4.95% p.a.

$400.00 yearly

$286

4.14% p.a.

4.56% p.a.

$400.00 yearly

$286

4.04% p.a.

4.46% p.a.

$400.00 yearly

$286

3.74% p.a.

4.17% p.a.

$400.00 yearly

$286

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.

How are Macquarie Credit Union home loans rated?

Mozo users have rated Macquarie Credit Union home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
Macquarie Credit Union home loans
Overall
7.0/10
Price
Features
Customer service
Convenience
Trust
5 reviews

Recent Macquarie Credit Union home loan reviews

Macquarie Credit Union Basic Home Loan review
Overall 10/10
Excellent products and excellent service.

Macquarie Credit Union are excellent providers. Their staff are very knowledgeable and always eager to help with any queries or problems. The many products provided are very competitive and usually a lot better than the major banks. Would highly recommend them to anyone interested in a new financial provider.

Read full review

Macquarie Credit Union are excellent providers. Their staff are very knowledgeable and always eager to help with any queries or problems. The many products provided are very competitive and usually a lot better than the major banks. Would highly recommend them to anyone interested in a new financial provider.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Megan, New South Wales reviewed 11 months ago
Macquarie Credit Union Home Loan review
Overall 10/10
GREAT service

Macquarie credit union have gone over and above to help us

Read full review

Macquarie credit union have gone over and above to help us

Price
9/10
Features
10/10
Customer service
10/10
Convenience
8/10
Trust
10/10
Less
Nicole, New South Wales reviewed over 4 years ago
Macquarie Credit Union Home Loan review
Overall 1/10
Not recommended.

Insurance is not helpful to our loan. Not advisable to go fixed rate.

Read full review

Insurance is not helpful to our loan. Not advisable to go fixed rate.

Price
3/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Suzette, Victoria reviewed over 7 years ago
Macquarie Credit Union Home Loan review
Overall 9/10
Awesome customer service

Very understanding, always willing to help as much as they can :)

Read full review

Very understanding, always willing to help as much as they can :)

Price
8/10
Features
7/10
Customer service
7/10
Convenience
3/10
Trust
8/10
Less
Alexis, New South Wales reviewed over 7 years ago
Macquarie Credit Union Home Loan review
Overall 5/10
Meh...

This giant needs to take a good look at itself

Read full review

This giant needs to take a good look at itself

Price
6/10
Features
6/10
Customer service
5/10
Convenience
2/10
Trust
5/10
Less
Mozo community reviewer, Queensland reviewed over 7 years ago

What do you need to apply for a Macquarie Credit Union home loan?

  • Personal details for each applicant (if necessary)
  • Contact details including a valid email address
  • Proof of salary (i.e. payslips) and evidence of other income including government payments and rental income
  • Statements for any liabilities including credit cards or other existing loans
  • A copy of your council rates notice
  • A copy of your driver's licence or passport
  • Home loan statements (if you’re refinancing)

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