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M
Macquarie
Offset Home Loan
3yr fixedOwner occupierInterest only
Interest rate
6.54%
per annum, 3yr fixed
Comparison rate
6.75%
includes fees & charges
Your repayments on this loan
$750,000
$150,000 · 20%
Loan amount
$600,000
30 yrs
Monthly repayment
$3,808
Total interest
$771k
Total cost
$1.37m
Principal $600,000Interest $771k
General estimate only. Not an offer.
Rate history
Tracking since June 2026Features & 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 & termM
Macquarie
Macquarie Basic Home Loan
6.53%
comparison
$3,808
/mo
M
Macquarie
Macquarie Offset Home Loan
6.75%
comparison
$3,808
/mo
W
Westpac
Fixed Rate Home Loan
6.99%
comparison
$3,988
/mo
★
NAB
NAB Tailored Home Loan
7.06%
comparison
$3,908
/mo
◎
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Rate last verified 28 Aug 2026
We recheck daily · how we source rates