Macquarie · fixed rates · September 2026
Ranked 1 of 22 on the panel.
Macquarie’s fixed rates for an owner-occupier at 80% LVR, principal and interest, as at 12 September 2026: 6.24% for 1 year, 6.19% for 2 years, 6.14% for 3 years, 6.34% for 5 years. The cheapest 2-year on the panel is 6.19% from Macquarie and the median is 6.42%. Headline rates from the panel tables, not comparison rates.
What Macquarie charges depending on how much of the property you are borrowing, principal and interest.
| LVR | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| up to 60% | 6.19% #1 | 6.14% #1 | 6.09% #1 | 6.29% #1 |
| up to 70% | 6.19% #1 | 6.14% #1 | 6.09% #1 | 6.29% #1 |
| up to 80% | 6.24% #1 | 6.19% #1 | 6.14% #1 | 6.34% #1 |
| up to 90% | 6.54% #5 | 6.49% #6 | 6.49% #1 | 6.69% #4 |
| up to 95% | 6.54% #3 | 6.49% #4 | 6.49% #1 | 6.69% #3 |
The small number is Macquarie’s rank among the panel lenders priced on that band, 1 being cheapest. Green row is the 80% tier the headline figures use.
The same grid for investment loans, which every lender prices higher.
| LVR | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| up to 60% | 6.34% #1 | 6.29% #1 | 6.24% #1 | 6.44% #1 |
| up to 70% | 6.34% #1 | 6.29% #1 | 6.24% #1 | 6.44% #1 |
| up to 80% | 6.39% #2 | 6.34% #1 | 6.29% #1 | 6.49% #1 |
| up to 90% | 7.24% #21 | 7.19% #21 | 7.15% #21 | 7.35% #20 |
| up to 95% | — | — | — | — |
The small number is Macquarie’s rank among the panel lenders priced on that band, 1 being cheapest. Green row is the 80% tier the headline figures use.
On a $600,000 loan over 30 years, Macquarie’s 2-year rate is $3,671 a month, against $3,671 at the cheapest on the panel: a gap of $0 a month, or about $0 over the term. What that comes to at your balance is on the repayments pages, and how Macquarie’s variable rates compare is on the rate monitor.
The rate above is the rate on the day the loan settles. Macquarie’s position on locking it is on the Macquarie rate lock page.
Leaving before the term ends means a break cost. How Macquarie quotes it, and the discharge form when you go, is on the Macquarie discharge page.
Fixed-rate pages for the lenders people search by name.
For an owner-occupier at 80% LVR paying principal and interest, as at 12 September 2026: 1-year 6.24% (ranked 1 of 22 on the panel), 2-year 6.19% (ranked 1 of 22 on the panel), 3-year 6.14% (ranked 1 of 21 on the panel), 5-year 6.34% (ranked 1 of 22 on the panel). Headline rates, not comparison rates. The table on this page has every LVR tier and the investor rates.
On the 2-year term Macquarie is 6.19% against a panel median of 6.42% and a cheapest of 6.19% from Macquarie, so it ranks 1 of 22. On a $600,000 loan over 30 years the gap to the cheapest is $0 a month. That is near the front of the panel.
Macquarie doesn't publish a rate lock on its site. Ask before you apply.
The 3-year, at 6.14% for an owner-occupier at 80% LVR. Macquarie's terms run 1-year 6.24%, 2-year 6.19%, 3-year 6.14%, 5-year 6.34%. When the longer terms are cheaper the lender expects rates to fall; when they are dearer it expects rises.
There is no set figure. Macquarie calls it "break cost" and works it out on the day from the move in wholesale rates since you fixed. To get a quote: use live chat with a Macquarie consultant in online banking or the app, weekdays 9am to 5pm Sydney time. No phone number or online tool is published for it. Detail on the Macquarie discharge page.
Priced 12 September 2026, re-priced monthly and after each RBA decision, from the dated lender tables the servicing engine prices from. Headline rates for principal-and-interest loans on a $650,000 loan; not comparison rates, and the rate you are offered depends on your loan and Macquarie’s assessment. Arthr Pty Ltd provides marketing and lead-generation services only; credit assistance is provided by 1st Street Pty Ltd, Credit Representative 490057 under Australian Credit Licence 389328.
A broker at 1st Street can tell you whether Macquarie’s package waives the lock fee, and which lender beats it on your LVR.