Variable
Offset Variable Home Loan
- 100% offset
- Unlimited extra repayments
- Redraw
Sharp prime variable, well-priced for LVR 70-80%
Current rate: published on Macquarie's own rate card
Tier-2 bank
Macquarie Bank
SydneyFounded 1969ACL/Banking Licence 237502
Strengths
- Sharp variable rates, particularly for higher-LVR refinance
- Strong digital platform and broker portal
- Excellent SMSF and investment-property capability
- Cash management account integrates with offset
Watch out for
- Some products restricted to specific borrower profiles
- Slower file movement on complex valuations
Macquarie products
Editorial reference covering the product range Macquarie offers and the structural strengths and trade-offs we observe in the market. The current headline rate and comparison rate sit on Macquarie\'s own rate card; we do not reproduce them here.
Home loans
Fixed 2yr
Fixed 2 Years
- Sharp fixed rate
- Limited extras during fixed period
Among the cheapest 2-year fixed rates on the broker panel
Current rate: published on Macquarie's own rate card
Investor variable
Offset Variable Investor
- 100% offset
- Interest-only available
Current rate: published on Macquarie's own rate card
Car loans
Secured (new vehicle)
Macquarie Leasing Secured Vehicle
- PPSR-secured
- Novated lease available
Current rate: published on Macquarie's own rate card
Our Macquarie coverage
- Macquarie review: the independent read
Who they suit, who should look elsewhere, and the verdict.
- Macquarie home loans: the deep dive
Basic Home Loan, Offset variable, fixed 1 to 5 years. Macquarie's broker-led play, where the rate sits, and the file types it tends to win.
- Macquarie personal loans: the deep dive
Macquarie's consumer lending focuses on secured car finance and asset finance rather than vanilla unsecured personal loans. Where the product fits, and the broker-led access path.
- Macquarie equipment finance: the deep dive
Macquarie bought Esanda's dealer book from ANZ in 2016 and built one of the largest asset finance operations in the country, distributed heavily through brokers with a reputation for fast, digital-first approvals. What it writes and who it suits.
- Macquarie vs ING home loan: which non-Big-4 lender in 2026
Two of the most competitive non-Big-4 home loan options in Australia. Rate positioning, offset, investor and SMSF capability, and which lender wins for which file.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
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The Macquarie Bank rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.
★★★★★4.9 across 320+ broker-partner reviewsAustralian Credit Licence 505575Independent. Education first.