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Rates & Fees

Learn more about The Mac’s Interest Rates & Fees

Product Interest Rate Comparison Rate
2 Year Discounted Basic Variable Home Loan 6.17% p.a. 7.82% p.a.
First Home Buyer Loan 6.17% p.a.   6.24% p.a.
Australian Government 5% Deposit Scheme Variable Home Loan 6.17% p.a. 6.24% p.a.
Low LVR Home Loan (Owner Occupied LVR <70%) 6.99% p.a. 7.06% p.a.
Basic Variable Home Loan 8.17% p.a. 8.24% p.a.
Basic Variable Home Loan $250,000 - $500,000 8.07% p.a. 8.14% p.a.
Basic Variable Home Loan $500,000 - $750,000 7.97% p.a. 8.04% p.a.
Basic Variable Home Loan >$750,000 7.87% p.a. 7.94% p.a.
1 Year Fixed Home Loan 6.59% p.a. 8.06% p.a.
2 Year Fixed Home Loan 6.59% p.a. 7.91% p.a.
3 Year Fixed Home Loan 6.49% p.a.   7.73% p.a.
Australian Government 5% Deposit Scheme 1 Year Fixed Home Loan 6.59% p.a. 6.28% p.a.
Australian Government 5% Deposit Scheme 2 Year Fixed Home Loan 6.59% p.a. 6.32% p.a.
Australian Government 5% Deposit Scheme 3 Year Fixed Home Loan 6.49% p.a. 6.33% p.a.
Offset Home Loan 8.17% p.a. 8.24% p.a.

 

Product Interest Rate Comparison Rate
Low LVR (LVR <70%) Investment Loan (Principal & Interest) 7.29% p.a. 7.36% p.a.
Low LVR (LVR <70%) Investment Loan (Interest Only) 7.49% p.a. 7.38% p.a.
Basic Variable Investor Home Loan (Principal & Interest) 8.17% p.a. 8.24% p.a.
Basic Variable Investor Home Loan (Interest Only) 8.37% p.a. 8.26% p.a.
Offset Investor Home Loan (Principal & Interest) 8.17% p.a. 8.24% p.a.
Offset Investor Home Loan (Interest Only) 8.37% p.a. 8.26% p.a.
1 Year Fixed Investor Home Loan (Principal & Interest) 6.69% p.a. 8.08% p.a.
2 Year Fixed Investor Home Loan (Principal & Interest) 6.69% p.a. 7.93% p.a.
3 Year Fixed Investor Home Loan (Principal & Interest) 6.59% p.a. 7.76% p.a.
1 Year Fixed Investor Home Loan (Interest Only) 6.89% p.a. 8.10% p.a.
2 Year Fixed Investor Home Loan (Interest Only) 6.89% p.a. 7.97% p.a.
3 Year Fixed Investor Home Loan (Interest Only) 6.79% p.a. 7.83% p.a.
Product Interest Rate Comparison Rate
New Car Loan 6.29% p.a.   6.66% p.a.  
Secured Personal Loan 9.49% p.a.   9.87% p.a.
Unsecured Personal Loan 15.99% p.a. 16.29% p.a.
Personal Overdraft 15.55% p.a. -

 

Product Interest Rate
Everyday Savings Account 0.00% p.a.
Freedom Years Account balances <$4,999 0.02% p.a.
Freedom Years Account balances $5,000 - $49,999 1.60% p.a.
Freedom Years Account balances >$50,000 2.20% p.a.
eSaver Account 2.00% p.a.  
Christmas Saver Account 2.00% p.a.  
Mini Mac Saver Account Bonus interest rate 2.20% p.a.
Youth Saver Account 0.02% p.a.

 

Term (Months) $2,000 - $4,999
interest rate		 $5,000 and over
interest rate
3 months N/A 3.50% p.a.
6 months N/A 4.90% p.a.
9 months N/A 5.00% p.a.
12 months 0.70% p.a. 5.20% p.a.
24 months N/A 3.70% p.a.
Term (Months) $500 and over
interest rate
12 months 5.20% p.a.
Product Interest Rate Comparison Rate
New Car Loan Special - Variable 6.19% p.a. 6.56% p.a.
New Car Loan - Variable 6.59% p.a.   6.96% p.a.  
Used Car Loan - Variable 9.29% p.a. 9.67% p.a.
Secured Personal Loan - Variable 12.99% p.a. 13.33% p.a.
Unsecured Personal Loan - Variable 15.99% p.a. 16.29% p.a.
Debt Consolidation Loan - Variable 17.49% p.a. 17.78% p.a.
View our Fees & Charges
  • 1 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply. Loan will be discounted by 2.00%pa for first 2 years. New Owner Occupied loans over $250,000 only. Loan will revert to The Mac Basic Variable Home Loan at end of 2 year discounted period.
  • 2 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply.
  • 3 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply.
  • 4 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply. This loan is only available for loans where the LVR is 70% or lower.
  • 5 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply. Loan will revert to The Mac Basic Variable Home Loan upon completion of fixed period.
  • 6 WARNING: Comparison rate based on $150,000 over 25 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply. Loan will revert to The Mac Standard Variable Home Loan upon completion of fixed period.
  • 7 WARNING: Comparison rate based on $30,000 over 5 years. 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. Applications are subject to lending criteria. Terms & Conditions and fees & charges apply.
  • 8 Maximum of 2 withdrawals per calendar year. We reserve the right to close or refuse to accept further deposits if the account is not being used for purposes other than for private or domestic use of the child.
  • 9 Minimum $500 for Junior Term Deposits. Only available for members with a Mini Mac Bonus Saver or a Youth Saver Account.
  • 10 The Canstar 2021 Outstanding Value Car Loan Award was received in November 2021 from www.canstar.com.au

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