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Macquarie Offset Home Loan (Fixed, Package)

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $750,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $750,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $750,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $750,000

Fixed 3 year rate
2.29% p.a.
Comparison Rate*
2.91% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Fixed 3 year rate
2.69% p.a.
Comparison Rate*
3.19% p.a.
Service fee
$248.00 yearly
Upfront fee
$0

Details

Rates and fees information correct as at 30 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.19% (2.97%*)

  • 2.19% (2.93%*)

  • 2.29% (2.91%*)

  • 2.84% (3.05%*)

  • 2.84% (3.06%*)

  • n/a

  • n/a

  • 2.74% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $750,000

  • none

  • 80.00%

Features
  • Monthly

  • yes - free

  • yes

  • yes - free

  • none

  • yes

  • yes

  • none

  • Flyer option available for extra 0.05% to earn 10k Qantas Points per $100k borrowed, 1,000 Points per month on balances over $150k and 25k Points on 3rd and 5th anniversary. For a limited time earn an

  • none

*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.

Details

Rates and fees information correct as at 30 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • n/a

  • n/a

  • n/a

  • n/a

  • 2.59% (3.23%*)

  • 2.59% (3.20%*)

  • 2.69% (3.19%*)

  • 3.04% (3.28%*)

  • 3.04% (3.28%*)

  • n/a

  • n/a

  • 2.99% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $750,000

  • none

  • 80.00%

Features
  • Monthly

  • yes - free

  • yes

  • yes - free

  • none

  • yes

  • yes

  • none

  • Flyer option available for extra 0.05% to earn 10k Qantas Points per $100k borrowed, 1,000 Points per month on balances over $150k and 25k Points on 3rd and 5th anniversary. For a limited time earn an

  • none

*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.

Customer Reviews

How are Macquarie home loans rated by the Mozo community?

Overall
5.9/10
Price
6.2/10
Features
5.7/10
Customer service
5.8/10
Convenience
5.2/10
Trust
6.1/10

Latest reviews of Macquarie Offset Home Loan (Fixed, Package)

  • Overall 7/10
    Competitive rate and good features.

    We have been really happy with Macquarie. It's a bit of a pain not having easy access to a 'physical' branch here in Victoria, but we haven't had any problems and have a very competitive rate.

    Read full review

    We have been really happy with Macquarie. It's a bit of a pain not having easy access to a 'physical' branch here in Victoria, but we haven't had any problems and have a very competitive rate.

    Price
    9/10
    Features
    8/10
    Customer service
    7/10
    Convenience
    6/10
    Trust
    8/10
    Less
    Emily, Victoria reviewed 3 months ago
  • Overall 9/10
    Understanding of adverse situations.

    After experiencing unexpected hardship they assisted in every way possible. Their rates are fantastic and so is their customer service.

    Read full review

    After experiencing unexpected hardship they assisted in every way possible. Their rates are fantastic and so is their customer service.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    2/10
    Trust
    -1/10
    Less
    Allira, New South Wales reviewed 6 months ago
  • Overall 10/10
    Great rates combined with excellent service.

    The application process was simple. The interest rate was very competitive. Their internet banking is great with fantastic budgeting features. The customer service is excellent with staff who speak clear English, have a 'can do' attitude and only too happy to work with you. We hit a had financial time in 2019 and they were very understanding and only too happy to work with us on getting back on track. The only negative is there are no branches, so to deposit cash you need to have an account with another bank.

    Read full review

    The application process was simple. The interest rate was very competitive. Their internet banking is great with fantastic budgeting features. The customer service is excellent with staff who speak clear English, have a 'can do' attitude and only too happy to work with you. We hit a had financial time in 2019 and they were very understanding and only too happy to work with us on getting back on track. The only negative is there are no branches, so to deposit cash you need to have an account with another bank.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    5/10
    Trust
    10/10
    Less
    Kate, New South Wales reviewed 6 months ago
  • Overall 8/10
    Good basic product.

    Product is basic, but does what's needed.

    Read full review

    Product is basic, but does what's needed.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    7/10
    Trust
    7/10
    Less
    Guy, New South Wales reviewed about 5 years ago
Macquarie

About Macquarie

Macquarie a global financial provider offers a variety of services to its clients. Macquarie provides a variety of products including banking, financial, advisory, investment and funds management services. Since its founding in 1969 Macquarie has become one of Australia's largest companies today.

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*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.