Macquarie home loan rates
Ranked by advertised rate, Macquarie's lowest advertised rate we track is 6.29% advertised (6.31% comparison) on the Basic Home Loan - 17th of 31 lenders we track. Rates as at 28 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.29% advertised (6.31% comparison) on the Basic Home Loan; its lowest fixed home loan rate we track is 6.49% advertised (6.34% comparison) on the Fixed Rate. Rates as at 28 Oct 2026.
We track 7 Macquarie owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 28 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.29% on the Basic Home Loan - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,710 a month (an arithmetic example, not a quote or an offer). Rates as at 28 Oct 2026.
Macquarie since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
Macquarie has changed 2 variable rates in its published data since:
- Basic Home Loan - variable, no-fee, <=70% LVR6.04% → 6.29%(+25 bp)matches the cash rate move
- Offset Home Loan - variable, <=70% LVR6.04% → 6.29%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
Macquarie products (7)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Basic Home LoanBig 5Macquarie | Variable | 6.29% | 6.31% | 70% | link |
Offset Home LoanBig 5Macquarie | Variable | 6.29% | 6.54% | 70% | link |
Fixed RateBig 5Macquarie | Fixed 1yr | 6.49% | 6.34% | 70% | link |
Fixed RateBig 5Macquarie | Fixed 2yr | 6.59% | 6.37% | 70% | link |
Fixed RateBig 5Macquarie | Fixed 3yr | 6.59% | 6.40% | 70% | link |
Fixed RateBig 5Macquarie | Fixed 4yr | 6.64% | 6.44% | 70% | link |
Fixed RateBig 5Macquarie | Fixed 5yr | 6.64% | 6.47% | 70% | link |
Macquarie recent rate changes
2 of Macquarie's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Basic Home Loan - variable, no-fee, <=70% LVR6.04% → 6.29%(+25 bp)previous value last seen 14 Oct 2026
- Offset Home Loan - variable, <=70% LVR6.04% → 6.29%(+25 bp)previous value last seen 14 Oct 2026
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