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M
Macquarie

Offset Home Loan

5yr fixedInvestorInterest only
Interest rate
6.74%
per annum, 5yr fixed
Comparison rate
6.85%
includes fees & charges

Your repayments on this loan

$750,000
$150,000 · 20%
Loan amount
$600,000
80% LVR
30 yrs
Monthly repayment
$3,888
Total interest
$800k
Total cost
$1.4m
Principal $600,000Interest $800k
General estimate only. Not an offer.

Rate history

Tracking since June 2026

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 – $10m
Repayment typeInterest only

How it compares

Same purpose, rate type & term
M
Macquarie
Macquarie Basic Home Loan
6.63%
comparison
$3,888
/mo
M
Macquarie
Macquarie Offset Home Loan
6.85%
comparison
$3,888
/mo
★
NAB
NAB Tailored Home Loan
7.14%
comparison
$3,828
/mo
W
Westpac
Fixed Rate Home Loan
7.53%
comparison
$4,048
/mo
Your monthly repayment
$3,888
Rate
6.74%
Comparison
6.85%
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Rate last verified 28 Aug 2026
We recheck daily · how we source rates