Lender guide · Macquarie home loans · Sydney
Macquarie Home Loans via a Sydney Broker
Macquarie lets you run up to 10 offset accounts on one variable loan, handy if you keep your savings in separate buckets. I arrange Macquarie loans for Sydney buyers, refinancers and investors and compare them with other lenders first. Macquarie is strong for offset users, quick assessments and low deposits with its own Low Deposit Fee in place of LMI, and strict on small units, big debts against income and borrowers who don't live in Australia.
Who Macquarie tends to suit
Macquarie is a bank I reach for when a client's situation fits a few specific strengths. Here's where it earns its place.
People who want an offset account. Macquarie's Offset Home Loan lets you link up to 10 offset accounts to one variable loan. Offsets only work with the variable part of a loan, and the package has an annual fee. Offset vs redraw →
Professionals running their own practice. Macquarie can accept one year of financials for some self-employed professionals, subject to its policy, where many banks want two. It's worth a conversation if your business is newer. Self-employed home loans →
Buyers with less than a 20% deposit. Instead of LMI, Macquarie charges its own one-off Low Deposit Fee when you borrow above 80% of the property's value. You can add it to the loan, but it isn't refundable. Owner-occupied purchases can generally go up to 95%, with lower limits for some properties. Macquarie isn't on the Government's 5% Deposit Scheme lender list, so first home buyers using that scheme need a different lender. First home buyer help →
Bigger Sydney loans. Macquarie's new home loans run from $150,000 up to $10 million, which suits higher-priced Sydney property.
Where Macquarie is strict
Living in Australia. You need to be an Australian citizen, permanent resident or temporary resident, an Australian tax resident living here, with an Australian mobile number. If you're based overseas, Macquarie won't be the one.
Large debts against your income. Macquarie caps total debt at a set multiple of income, and above six times income it also limits how much you can borrow against the property to 80%. How the debt-to-income cap works →
Small units, and no fee waivers. Macquarie generally wants a unit to be at least 50 square metres, not counting balcony or car space, and it doesn't waive its Low Deposit Fee for any profession, doctors included.
How using a broker works with Macquarie
I'm not a Macquarie employee. Macquarie gets your application only if it wins on your numbers against my other lenders. Then I put it together, lodge it, chase the assessment and the valuation, and stay with you until settlement.
I can also request pricing or a rate review from Macquarie for you. Rates change often, so I don't list them here. Ask me for today's pricing.
What it costs you
Nothing for my service. The lender pays me an upfront commission when your loan settles and a smaller trail while it's active, and I'll show you exactly how I'm paid on your loan. Macquarie's own fees, government charges and any Low Deposit Fee still apply, and you'll see them before you sign.
Run your numbers first: Borrowing power calculator → · Repayment calculator →
Macquarie home loan questions
Does a Macquarie offset account earn interest?
No. The balance doesn't earn interest. It cuts the interest on your loan instead, because you're charged only on the difference. Macquarie's Offset Home Loan carries an annual fee, so ask me for the current figure, and the offset can't be linked to a fixed rate.
Can I buy with a 5% deposit through Macquarie?
Not under the Government's 5% Deposit Scheme, because Macquarie isn't a participating lender. Macquarie can generally lend up to 95% on an owner-occupied purchase with its Low Deposit Fee, and genuine savings rules apply. I'll tell you straight if another lender is a better fit.
How long does Macquarie take to approve a home loan?
Plan on a day or so for the first assessment. When I checked on 12 November 2026, Macquarie's broker page showed an average of up to 4 hours to pick up and assess a file, and the tracker I use showed 1 day for the initial assessment plus about 3 days for a broker-ordered valuation. Treat both as a guide. Trusts and construction loans take longer.
This is general information only, not personal financial advice. Lender policy changes from time to time, so check with me before relying on any of it. Bridge Finance is a mortgage broker and is not affiliated with or endorsed by Macquarie. Lender names are trademarks of their owners.
Thinking about Macquarie? Compare it first.
Book a free 30-minute chat. I'll go through your income, deposit and plans, see how Macquarie's policy treats them, and line it up against other lenders. No cost, no obligation.
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