Macquarie

Macquarie Offset Home Loan

3yr fixedOwner occupierPrincipal & interest

Interest rate

6.49%

per annum, 3yr fixed

Comparison rate

7.19%

includes fees & charges

Repayments on this loan

Based on a $600,000 loan over 30 years.

Monthly repayment

$3,788

Total interest

$764k

Total cost

$1,364k

Principal $600,000Interest $764k

Features & benefits

◷

Offset account

Park savings against your loan and pay interest only on the difference.

↺

Redraw

Pull back any extra repayments you've made.

＋

Extra repayments

Pay more whenever you like to clear the loan faster.

Fees

Application Fee

Monthly Fee

Annual Package Fee

Documentation Fee

Low Deposit Fee

Third party Settlement Fee

Fee amounts vary; confirm the current figures on the lender's site.

At a glance

Max LVR95%

Min deposit5%

Loan amount$150k – $10,000k

Repayment typePrincipal & interest

How it compares

Same purpose, rate type & term

★

NAB

NAB Tailored Home Loan

6.79%

comparison

$3,788

/mo

Macquarie

Macquarie Basic Home Loan

6.98%

comparison

$3,788

/mo

Macquarie

Macquarie Offset Home Loan

7.19%

comparison

$3,788

/mo

Westpac

Fixed Rate Home Loan

7.20%

comparison

$3,968

/mo

Your monthly repayment

$3,788

Rate

6.49%

Comparison

7.19%

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Rate last verified 30 June 2026

We recheck daily · how we source rates

Home Loan Radar is an independent rate-tracking service, not a broker or credit assistance provider. We publish factual rate information and general tools; we don't recommend products, assess suitability or arrange loans. The comparison rate is based on a loan of $150,000 over 25 years. WARNING: this comparison rate is true only for the example given and may not include all fees and charges. Repayment figures are general estimates, not an offer.