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The Mac home loan rates

27 home loan products and 27 published rates, checked 2 Nov, 12:05 am AEDT. The Mac last updated its data 28 Oct 2026.

Lowest The Mac rates

Loan typeRateComparison*
Variable, owner-occupier, P&I
LOW LVR OOC P&I (any LVR)
6.99%6.81%
Variable, investor, P&I
LOW LVR INV P&I HOME LOAN (any LVR)
7.29%7.11%
Variable, investor, interest only
GOVT LOW DEP VARIABLE OOC PI (any LVR)
6.17%5.98%
1 year fixed, owner-occupier, P&I
MORTGAGE 1YR FIXED OWNER OCCUPIED P&I (any LVR)
6.59%7.81%
2 year fixed, owner-occupier, P&I
MORTGAGE 2YR FIXED OWNER OCCUPIED P&I (any LVR)
6.59%7.67%
3 year fixed, owner-occupier, P&I
MORTGAGE 3YR FIXED OWNER OCCUPIED P&I (any LVR)
6.49%7.53%

How does The Mac compare? Rank every lender for your loan, or see if switching saves you money.

Rate changes

No rate changes recorded yet. Tracking started on 1 Nov 2026; every move lenders make from now on appears here within hours.

All The Mac home loans

BASIC VARIABLE LOAN INVESTOR IO · 1 rate · from 8.37%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR8.37%8.01%

BASIC VARIABLE LOAN INVESTOR IO on The Mac’s site ↗

BASIC VARIABLE LOAN INVESTOR P&I · 1 rate · from 8.17%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR8.17%7.99%

BASIC VARIABLE LOAN INVESTOR P&I on The Mac’s site ↗

BASIC VARIABLE LOAN OWNER OCCUPIED P&I · 1 rate · from 8.17%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR8.17%7.99%

BASIC VARIABLE LOAN OWNER OCCUPIED P&I on The Mac’s site ↗

BASIC VARIABLE LOAN OWNER OCCUPIED P&I 250K TO 500K · 1 rate · from 8.07%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR8.07%7.89%

BASIC VARIABLE LOAN OWNER OCCUPIED P&I 250K TO 500K on The Mac’s site ↗

BASIC VARIABLE LOAN OWNER OCCUPIED P&I 500K TO 750K · 1 rate · from 7.97%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR7.97%7.79%

BASIC VARIABLE LOAN OWNER OCCUPIED P&I 500K TO 750K on The Mac’s site ↗

BASIC VARIABLE LOAN OWNER OCCUPIED P&I >750K · 1 rate · from 7.87%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR7.87%7.69%

BASIC VARIABLE LOAN OWNER OCCUPIED P&I >750K on The Mac’s site ↗

BRIDGING LOAN · 1 rate · from 8.87%Specialist loan
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR8.87%8.72%

BRIDGING LOAN on The Mac’s site ↗

FIRST HOME BUYERS OWNER OCCUPIED P&I · 1 rate · from 6.17%Only for: first home
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.17%5.98%

FIRST HOME BUYERS OWNER OCCUPIED P&I on The Mac’s site ↗

GOVT LOW DEP 1YR FIXED OOC PI · 1 rate · from 6.59%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, principal & interestany LVR6.59%6.02%

GOVT LOW DEP 1YR FIXED OOC PI on The Mac’s site ↗

GOVT LOW DEP 2YR FIXED OOC PI · 1 rate · from 6.59%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, principal & interestany LVR6.59%6.08%

GOVT LOW DEP 2YR FIXED OOC PI on The Mac’s site ↗

GOVT LOW DEP 3YR FIXED OOC PI · 1 rate · from 6.49%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, principal & interestany LVR6.49%6.12%

GOVT LOW DEP 3YR FIXED OOC PI on The Mac’s site ↗

GOVT LOW DEP VARIABLE OOC PI · 1 rate · from 6.17%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR6.17%5.98%

GOVT LOW DEP VARIABLE OOC PI on The Mac’s site ↗

LOW LVR INV IO HOME LOAN · 1 rate · from 7.49%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR7.49%7.13%
LOW LVR INV P&I HOME LOAN · 1 rate · from 7.29%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR7.29%7.11%
LOW LVR OOC P&I · 1 rate · from 6.99%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR6.99%6.81%
MORTGAGE 1YR FIXED INV IO · 1 rate · from 6.89%
Rate typeForLVRRateComparison*
1 year fixedInvestor, interest onlyany LVR6.89%7.86%

MORTGAGE 1YR FIXED INV IO on The Mac’s site ↗

MORTGAGE 1YR FIXED INVESTOR P&I · 1 rate · from 6.69%
Rate typeForLVRRateComparison*
1 year fixedInvestor, principal & interestany LVR6.69%7.84%

MORTGAGE 1YR FIXED INVESTOR P&I on The Mac’s site ↗

MORTGAGE 1YR FIXED OWNER OCCUPIED P&I · 1 rate · from 6.59%
Rate typeForLVRRateComparison*
1 year fixedOwner-occupier, principal & interestany LVR6.59%7.81%

MORTGAGE 1YR FIXED OWNER OCCUPIED P&I on The Mac’s site ↗

MORTGAGE 2YR FIXED INVESTOR IO · 1 rate · from 6.89%
Rate typeForLVRRateComparison*
2 year fixedInvestor, interest onlyany LVR6.89%7.75%

MORTGAGE 2YR FIXED INVESTOR IO on The Mac’s site ↗

MORTGAGE 2YR FIXED INVESTOR P&I · 1 rate · from 6.69%
Rate typeForLVRRateComparison*
2 year fixedInvestor, principal & interestany LVR6.69%7.71%

MORTGAGE 2YR FIXED INVESTOR P&I on The Mac’s site ↗

MORTGAGE 2YR FIXED OWNER OCCUPIED P&I · 1 rate · from 6.59%
Rate typeForLVRRateComparison*
2 year fixedOwner-occupier, principal & interestany LVR6.59%7.67%

MORTGAGE 2YR FIXED OWNER OCCUPIED P&I on The Mac’s site ↗

MORTGAGE 3YR FIXED INVESTOR IO · 1 rate · from 6.79%
Rate typeForLVRRateComparison*
3 year fixedInvestor, interest onlyany LVR6.79%7.65%

MORTGAGE 3YR FIXED INVESTOR IO on The Mac’s site ↗

MORTGAGE 3YR FIXED INVESTOR P&I · 1 rate · from 6.59%
Rate typeForLVRRateComparison*
3 year fixedInvestor, principal & interestany LVR6.59%7.59%

MORTGAGE 3YR FIXED INVESTOR P&I on The Mac’s site ↗

MORTGAGE 3YR FIXED OWNER OCCUPIED P&I · 1 rate · from 6.49%
Rate typeForLVRRateComparison*
3 year fixedOwner-occupier, principal & interestany LVR6.49%7.53%

MORTGAGE 3YR FIXED OWNER OCCUPIED P&I on The Mac’s site ↗

MORTGAGE OFFSET INVESTOR IO · 1 rate · from 8.37%
Rate typeForLVRRateComparison*
VariableInvestor, interest onlyany LVR8.37%8.01%

MORTGAGE OFFSET INVESTOR IO on The Mac’s site ↗

MORTGAGE OFFSET INVESTOR PI · 1 rate · from 8.17%
Rate typeForLVRRateComparison*
VariableInvestor, principal & interestany LVR8.17%7.99%

MORTGAGE OFFSET INVESTOR PI on The Mac’s site ↗

MORTGAGE OFFSET OWNER OCCUPIED P&I · 1 rate · from 8.17%
Rate typeForLVRRateComparison*
VariableOwner-occupier, principal & interestany LVR8.17%7.99%

MORTGAGE OFFSET OWNER OCCUPIED P&I on The Mac’s site ↗

* Comparison rates are calculated on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Rates are checked every few hours from each lender’s published Consumer Data Right product data; last checked 2 Nov, 12:05 am AEDT. This is general information, not credit or financial advice, and doesn’t consider your circumstances. Confirm rates, fees and eligibility with the lender before you apply. We don’t take payment from lenders, and the order of results never depends on who pays. How this works.