The Mac Home Loans as of July 2026

Monthly repayment below is based on a $500,000 loan amount over 30 years.

Loan purpose

Loan amount

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Tags	Link	Compare
The Mac	The Mac Discounted Basic Variable Home Loan >$500,000	5.92% p.a.	7.57% p.a.	$2,972	Principal & Interest	Variable	$0	$620	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Owner Occupied (1 year)	6.49% p.a.	7.83% p.a.	$3,157	Principal & Interest	Fixed	$0	$620	80%	Owner Occupier Fixed 1 Year Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Owner Occupied (2 years)	6.49% p.a.	7.83% p.a.	$3,157	Principal & Interest	Fixed	$0	$620	80%	Owner Occupier Fixed 2 Years Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Owner Occupied (3 years)	6.49% p.a.	7.83% p.a.	$3,157	Principal & Interest	Fixed	$0	$620	80%	Owner Occupier Fixed 3 Years Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Investment (3 years)	6.59% p.a.	7.59% p.a.	$3,190	Principal & Interest	Fixed	$0	$620	80%	Investor Fixed 3 Years Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Investment (1 year)	6.69% p.a.	7.85% p.a.	$3,223	Principal & Interest	Fixed	$0	$620	80%	Investor Fixed 1 Year Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Investment (2 years)	6.69% p.a.	7.73% p.a.	$3,223	Principal & Interest	Fixed	$0	$620	80%	Investor Fixed 2 Years Principal & Interest 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Low LVR Home Loan	6.74% p.a.	6.81% p.a.	$3,240	Principal & Interest	Variable	$0	$620	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Investment (Interest Only) (3 years)	6.79% p.a.	7.65% p.a.	$2,829	Interest-only	Fixed	$0	$620	80%	Investor Fixed 3 Years Interest-only 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Investment (Interest Only) (1 year)	6.89% p.a.	7.87% p.a.	$2,871	Interest-only	Fixed	$0	$620	80%	Investor Fixed 1 Year Interest-only 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Fixed Rate Home Loan - Investment (Interest Only) (2 years)	6.89% p.a.	7.77% p.a.	$2,871	Interest-only	Fixed	$0	$620	80%	Investor Fixed 2 Years Interest-only 20% Min Deposit Redraw More details	More details	Compare
The Mac	The Mac Basic Variable Home Loan	7.62% p.a.	7.69% p.a.	$3,537	Principal & Interest	Variable	$0	$620	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
The Mac	The Mac Basic Variable Investor Home Loan (Principal & Interest)	7.92% p.a.	7.99% p.a.	$3,641	Principal & Interest	Variable	$0	$620	80%	Investor Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
The Mac	The Mac Offset Home Loan	7.92% p.a.	7.99% p.a.	$3,641	Principal & Interest	Variable	$0	$620	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit Redraw Extra Repayments More details	More details	Compare
The Mac	The Mac Basic Variable Investor Home Loan (Interest Only)	8.12% p.a.	8.01% p.a.	$3,383	Interest-only	Variable	$0	$620	80%	Investor Variable Interest-only 20% Min Deposit Redraw Extra Repayments More details	More details	Compare

More home loans

Bare Home Loan (Basic OO P&I <90%)

Product Features

Available for purchase or refinance, min 10% deposit needed to qualify.
No application, ongoing monthly or annual fees.
Dedicated loan specialist throughout the loan application.

Monthly repayments: $3,011

6.04% Advertised Rate (p.a.)

6.08% Comparison Rate (p.a.)

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Important Information and Comparison Rate Warning

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

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The Mac Home Loans

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