Macquarie logo

Macquarie Offset Home Loan (Package)

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $5,000,000 with an LVR below 60%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $5,000,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $749,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $750,000 and $5,000,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $750,000 and $5,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $749,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $5,000,000 with an LVR below 60%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $5,000,000 with an LVR below 70%

The details shown below are for an owner occupier, investor taking out a interest only loan between $150,000 and $5,000,000 with an LVR below 70%

The details shown below are for an owner occupier, investor taking out a interest only loan between $150,000 and $5,000,000 with an LVR below 60%

The details shown below are for an owner occupier, investor taking out a interest only loan between $150,000 and $5,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $750,000 and $5,000,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $749,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $750,000 and $5,000,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $749,999 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 60%

    Loan: $150,000 $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $150,000 $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $150,000 $749,999

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $750,000 $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $750,000 $5,000,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $749,999

  • Investor (Principal & Interest)

    LVR < 60%

    Loan: $150,000 $5,000,000

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $150,000 $5,000,000

  • Owner Occupier, Investor (Interest Only)

    LVR < 70%

    Loan: $150,000 $5,000,000

  • Owner Occupier, Investor (Interest Only)

    LVR < 60%

    Loan: $150,000 $5,000,000

  • Owner Occupier, Investor (Interest Only)

    LVR 70%-80%

    Loan: $150,000 $5,000,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $750,000 $5,000,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $150,000 $749,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $750,000 $5,000,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $749,999

Rate
2.34% p.a.
Comparison Rate
2.62% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Go to site
Rate
2.39% p.a.
Comparison Rate
2.67% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.49% p.a.
Comparison Rate
2.77% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.49% p.a.
Comparison Rate
2.77% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.89% p.a.
Comparison Rate
3.17% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.89% p.a.
Comparison Rate
3.17% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.49% p.a.
Comparison Rate
2.77% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.49% p.a.
Comparison Rate
2.77% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.89% p.a.
Comparison Rate
3.17% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.89% p.a.
Comparison Rate
3.17% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
3.04% p.a.
Comparison Rate
3.31% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.69% p.a.
Comparison Rate
2.97% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
2.69% p.a.
Comparison Rate
2.97% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
3.45% p.a.
Comparison Rate
3.72% p.a.
Service fee
$248.00 yearly
Upfront fee
$0
Rate
3.45% p.a.
Comparison Rate
3.72% p.a.
Service fee
$248.00 yearly
Upfront fee
$0

Mozo editorial review Macquarie Offset Home Loan (Package)

Last updated: 12 May 2021.

5 / 5
binocular icon
What's hot
  • Variable rates from 2.34% (2.62% comparison rate*)
  • 100% offset account
  • 2021 Mozo Experts Choice Award winner
What's not
  • $248 yearly service fee
Mozo snapshot

The Offset Home Loan (Package) from Macquarie is made for borrowers wanting the lot from their home loan. Not only does it come with competitive variable rates starting from 2.34% (2.62% comparison rate*), it boasts an offset account, redraw facility and the ability to make extra repayments among its features, along with a number of additional package perks.On top of all that, it also won a 2021 Mozo Experts Choice Award for best Packaged Home Loan.

key icon
Key features

Macquarie’s Offset Home Loan (Package) is available to owner occupiers and investors on loan amounts as low as $150,000 up to $5,000,000, with both principal and interest and interest-only repayment options available. 

There are a whole range of variable interest rates on offer depending on the size of the loan and the repayment type you’re after, as well as your loan-to-value ratio (LVR). But the lowest rates currently available for different borrowers are: 

  • 2.34% (2.62% comparison rate*) for owner occupiers making principal and interest repayments with an LVR below 60% 

  • 2.49% (2.76% comparison rate*) for investors making principal and interest repayments with an LVR below 60% 

There’s no shortage of features available to Macquarie mortgage customers who will be able to make free extra repayments and online redraws, split their loan into variable and fixed rate portions and even take a repayment holiday. 

And as the name suggests, the loan also comes equipped with a 100% offset account which allows borrowers to reduce the amount of interest they’re paying while still having access to any money they offset. In fact, individual or joint borrowers will be able to open up to ten offset accounts per loan account. 

How about the package perks? Offset Home Loan (Package) customers can receive an annual fee waiver and reduced purchase rate (for a limited time) on a number of Macquarie credit cards, plus they’ll have access to a linked debit card which can be used in Australia and abroad. 

There’s even an option to earn Qantas Points for an extra 0.05% interest loading. Mortgage holders can earn 10,000 Qantas Points for every $100,000 they borrow, plus 1,000 points each month on loan balances over $150,000 and 25,000 points on the 3rd and 5th anniversary of the loan.

While there are no upfront fees to worry about budgeting for, this is a package loan, so there is a $248 yearly fee to consider. There’s also a one-off $400 discharge fee.

snapshot
Who is it good for

With its extensive feature list and additional perks, plus some competitive variable rates, Macquarie’s Offset Home Loan (Package) could prove good value for owner occupier and investor borrowers alike. 

question icon
Any catches

Over the life of the loan the $248 yearly service fee will add up, so it’s worth making sure that you’re getting enough value from the features and benefits of the loan to make it worthwhile. Or if you’re looking for a more cost-effective offer from Macquarie you may be interested in the Basic Home Loan or Basic Home Loan (Fixed) instead. 

Picture of Tom Watson
Tom Watson
Finance journalist

Tom Watson is a financial journalist at Mozo and co-host of the Finance Burrito podcast, specialising in fintech, property and business banking. Whether it’s reporting on banking trends or uncovering the latest product innovations, Tom’s mission is to keep our readers up to date with breaking Australian financial news. His work is often sourced in the media and across social media channels. Tom has a degree in Journalism from the University of Technology, Sydney. He is also ASIC RG146 (Tier 2) certified for general advice.

Details

Rates and fees information correct as at 15 May 2021. 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
  • 2.34% p.a.

  • n/a

  • n/a

  • n/a

  • 2.62% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 60.00%

Features
  • Owner Occupier

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.39% p.a.

  • n/a

  • n/a

  • n/a

  • 2.67% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 70.00%

Features
  • Owner Occupier

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.77% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $749,999

  • 70.00%

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.77% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $750,000

  • $5,000,000

  • 70.00%

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.89% p.a.

  • n/a

  • n/a

  • n/a

  • 3.17% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $750,000

  • $5,000,000

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.89% p.a.

  • n/a

  • n/a

  • n/a

  • 3.17% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $749,999

  • 80.00%

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.77% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 60.00%

Features
  • Investor

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.49% p.a.

  • n/a

  • n/a

  • n/a

  • 2.77% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 70.00%

Features
  • Investor

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.89% p.a.

  • n/a

  • n/a

  • n/a

  • 3.17% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 70.00%

Features
  • Owner Occupier, Investor

  • Interest Only

  • 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.

  • 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 15 May 2021. 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
  • 2.89% p.a.

  • n/a

  • n/a

  • n/a

  • 3.17% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 60.00%

Features
  • Owner Occupier, Investor

  • Interest Only

  • 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.

  • 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 15 May 2021. 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
  • 3.04% p.a.

  • n/a

  • n/a

  • n/a

  • 3.31% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $5,000,000

  • 70.00%

  • 80.00%

Features
  • Owner Occupier, Investor

  • Interest Only

  • 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.

  • 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 15 May 2021. 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
  • 2.69% p.a.

  • n/a

  • n/a

  • n/a

  • 2.97% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $750,000

  • $5,000,000

  • 70.00%

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 2.69% p.a.

  • n/a

  • n/a

  • n/a

  • 2.97% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $749,999

  • 70.00%

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 3.45% p.a.

  • n/a

  • n/a

  • n/a

  • 3.72% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $750,000

  • $5,000,000

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • 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.

  • 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 15 May 2021. 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
  • 3.45% p.a.

  • n/a

  • n/a

  • n/a

  • 3.72% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $248.00 yearly

  • $400.00

Other financial bits
  • $150,000

  • $749,999

  • 80.00%

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • 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.

  • 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
6.0/10
Price
6.3/10
Features
5.7/10
Customer service
6.0/10
Convenience
5.3/10
Trust
6.2/10

Latest reviews of Macquarie Offset Home Loan (Package)

Thumbnail icon for 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.

See Macquarie home loans

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

p.a.

2.43% p.a.

$0.00

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan

2.34% p.a.

2.34% p.a.

$0.00

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.85% p.a.
fixed 3 years

2.24% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

1.99% p.a. variable

1.99% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

Thumbnail icon for Yard

Yard

Variable Home Loan Special

2.09% p.a. variable

2.12% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

1.94% p.a.
fixed 3 years

2.97% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced

2.17% p.a. variable

2.20% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.85% p.a.
fixed 3 years

2.24% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

1.99% p.a. variable

1.99% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for ING

ING

Fixed Rate Loan (with Orange Advantage)

2.04% p.a.
fixed 3 years

3.60% p.a.

Thumbnail icon for Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.83% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a. variable

2.34% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.08% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

1.99% p.a.

1.99% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan

2.49% p.a.

2.49% p.a.

Thumbnail icon for ING

ING

Fixed Rate Loan (with Orange Advantage)

p.a.

3.60% p.a.

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

Thumbnail icon for HSBC

HSBC

Home Value Loan

2.44% p.a.

2.45% p.a.

Thumbnail icon for Bluestone

Bluestone

Prime Home Loan

2.44% p.a.

2.49% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

Thumbnail icon for UBank

UBank

UHomeLoan (Fixed)

1.85% p.a.
fixed 3 years

2.24% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

1.94% p.a.
fixed 3 years

2.97% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

Thumbnail icon for ING

ING

Fixed Rate Loan (with Orange Advantage)

2.04% p.a.
fixed 3 years

3.60% p.a.

Thumbnail icon for Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

Thumbnail icon for Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

$0.00

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

1.99% p.a.

1.99% p.a.

$0.00

Thumbnail icon for Yard

Yard

Variable Home Loan Special

2.09% p.a.

2.12% p.a.

$0.00

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced

2.17% p.a.

2.20% p.a.

$0.00

Thumbnail icon for 86 400

86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

$0.00

Thumbnail icon for Athena

Athena

AcceleRATES Variable Home Loan

2.19% p.a.

2.08% p.a.

$0.00

Thumbnail icon for Yard

Yard

Variable Home Loan Special

2.29% p.a.

2.32% p.a.

$0.00

Thumbnail icon for homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.24% p.a.

2.26% p.a.

$0.00

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.