NEW
We have designed a variety of home loans to satisfy the needs of you, our Members. Whether you are buying your first home, refinancing or looking to buy an Investment property, we have something to suit you.
Get a head start with this discounted variable rate for the first year of your loan. Available for new lending only.
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Owner Occupied
2.75% pa1
4.56% pa2 Investment
2.94% pa3
4.75% pa2 |
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Available for New Lending Only
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Owner Occupied 3.10% pa variable interest rate 3.15% pa2 comparison rate Investment 3.30% pa variable interest rate 3.35% pa2 comparison rate |
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| Basic Home Loan SPECIAL Terms & Conditions | |
Offer may be withdrawn at any time. Available for new lending only. Not available on refinance of or an increase to the limit of existing Macquarie Credit Union facilities. Unless conditions in Clause b are satisfied. Normal lending criteria, terms and conditions, fees and charges apply. |
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Get a head start with this discounted rate for the first 2 years of your loan.
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Owner Occupied
3.70% pa4
4.56% pa2 Investment
3.89% pa5
4.75% pa2 |
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The Power Home Loan Package enables you to bundle some of our great products together. Be rewarded today with one low annual fee and interest savings helping you own your home sooner.6
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Owner Occupied From
3.80% pa 4.22% pa2 comparison rate Investment From
3.99% pa 4.41% pa2 comparison rate |
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Our Home Equity Loan allows you to borrow against the portion of your home that you own. This is the difference between the amount you owe on your home loan and the value of the property. You can use the funds for whatever you like. Take advantage of other investment opportunities, take that dream holiday, or use it to make improvements to your home.
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Owner Occupied
From variable interest rate 5.75% pa2 comparison rate Investment
From variable interest rate 5.94% pa2 comparison rate |
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Our most popular home loan – everything you need and a low rate.
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4.70% pa
4.75% pa2 |
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Looking for an investment property? Save on your investment with us.
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4.89% pa
4.94% pa2 |
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Apply for a Home Loan
Click here to Download an Application.
If you have any questions, please contact us 
1 Rate reverts to the Standard Variable Home Loan Rate after the 1 year discounted period.
2 Comparison rate calculated on a loan amount of $150,000 over a term of 25 years with monthly repayments. 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. Lending criteria, terms and conditions, fees and charges apply.
3 Rate reverts to the Investment Home Loan Rate after the 1 year discounted period.
4 Rate reverts to the Standard Variable Home Loan Rate after the 2 year discounted period.
5 Rate reverts to the Investment Home Loan Rate after the 2 year discounted period.
6 To be eligible you must have a package borrowing of at least $10,000, pay an annual fee of $400, and have your salary paid into a Macquarie Credit Union account
7 Personal Loans. Macquarie Credit Union’s Power Home Loan Package borrowers are entitled to a 2.00% pa reduction on a new Unsecured Personal Loan or our Car Loan up to 10 years Old. This discount does not apply to other loan products or existing Macquarie Credit Union personal loans and car loans. This offer is not available in conjunction with any other Macquarie Credit Union offer or promotional discount.
8 Term Deposits. Macquarie Credit Union Power Home Loan Package borrowers are entitled to 0.25% pa above Macquarie Credit Union standard term deposit interest rates. This does not apply to Macquarie Credit Union special interest rates or online only interest rates.
9 The 100% mortgage offset account must be in the same name(s) as the loan it is being offset against. Not available for fixed rate loans. Available for one standard variable rate loan only.
10 Credit Cards. Macquarie Credit Union Power Home Loan Package borrowers are entitled to have the annual fee waived on the Visa 55 Credit Card.
11 Fixed Interest Rate Discounts. Macquarie Credit Union Power Home Loan Package borrowers are entitled to a 0.15% pa discount on new fixed interest rate home loans. This offer is not available in conjunction with any other Macquarie Credit Union offer or promotional discount.
12 The qualifying interest rate tier will apply for the life of the loan, no matter what the loan balance is, provided that all of the loan’s criteria are met and maintained.
13 Total package borrowing is the total of the balances on your home loan accounts under the Macquarie Credit Union Power Home Loan Package. Interest rates for variable rate home loans under the Power Home Loan Package are based on total package borrowing at the time the loan is taken out.
14 Comparison rate is calculated on a loan of $150,000 over a term of 25 years with monthly repayments. 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. Normal lending criteria terms and conditions, fees and charges apply
15 Package Fee. An annual package fee of $400 is payable in advance and is non-refundable. The fee is debited to the loan balance on funding, and then annually on the anniversary date of funding. Package benefits cease to apply once the loan is repaid in full. If you have more than one loan in the package and close the loan where your package fee is deducted, we will choose another loan within the package to debit the package fee. The package fee can be applied to a maximum of two Macquarie Credit Union Power Home Loans. Loans in excess of two will incur an additional package fee. (In multiples of two).
16 At least one of the borrowers is required to set-up and maintain a salary credit on a regular basis into a Macquarie Credit Union account. It is at the discretion of Macquarie Credit Union as to whether this requirement is suspended under certain circumstances such as unemployment.