Macquarie Bank Limited, the banking entity of ASX-listed Macquarie Group, offers Macquarie home loans. Macquarie’s origins go back to 1969, and it then received its Australian banking licence in 1985. Its head office is in Sydney.
This page is a factual profile to help borrowers understand who Macquarie is and where its home loans may fit. However, it is not a rating, a ranking or a recommendation.
Macquarie at a Glance
| Item | Detail |
|---|---|
| Lender type | Bank (authorised deposit-taking institution) |
| Owned by | Macquarie Group Limited, an ASX-listed company |
| Founded or established | 1969 as Hill Samuel Australia; became Macquarie Bank Limited in 1985 |
| Headquarters (city) | Sydney |
| Regulated by | APRA as an ADI (Macquarie Bank Limited appears on the APRA register) |
| Listed on the ASX | Yes. Macquarie Bank listed in 1996 and Macquarie Group Limited became the listed holding company in 2007 |
| Home loans for | Owner-occupiers, investors, refinancers and borrowers building a home |
Ownership and History of Macquarie
Macquarie’s predecessor, Hill Samuel Australia, opened in Sydney in December 1969 with three staff as a subsidiary of a UK merchant bank. Later, in February 1985, it received an Australian banking licence and began trading as Macquarie Bank Limited, named after Governor Lachlan Macquarie. The Macquarie history page sets out these dates.
Macquarie Bank subsequently listed on the Australian Securities Exchange in 1996. In 2007 the group restructured so that Macquarie Group Limited became the listed non-operating holding company, with Macquarie Bank Limited as the regulated bank beneath it. In 2024 the group moved into a new global headquarters at 1 Elizabeth Street, Sydney.
Home loans sit within Macquarie’s Banking and Financial Services division. The bank has no traditional branch network for home lending and instead relies on its app, its phone-based specialists and, above all, mortgage brokers, who introduce the large majority of its home loans. It also appears on the APRA register of ADIs as an Australian-owned bank.
Where Macquarie Home Loans May Suit
Overall, based on publicly available information, Macquarie home loans may be worth comparing for:
- Borrowers who want several offset accounts. Macquarie lets borrowers link up to 10 offset accounts to each eligible variable rate loan, so it suits people who like to bucket their savings.
- Borrowers who value digital banking. Borrowers use Macquarie’s mobile app to manage home loans and offsets, and its digital tools were also a recurring theme in the sources we read.
- Investors and refinancers. Macquarie offers investment loans as well as streamlined refinancing, with principal and interest or interest-only options.
- Borrowers building a home. For example, Macquarie’s broker material describes a construction loan that covers land and build costs in one facility, lending up to 80% of the lower of the as-if-complete valuation or cost, subject to criteria.
Home Loan Types Macquarie Offers
Public sources confirm that Macquarie offers the following. Product names and features change, so we check current details when you apply:
- Owner-occupied home loans
- Investment property loans
- Refinancing
- Basic and offset home loan products with variable, fixed or split rates
- Principal and interest or interest-only repayments
- Up to 10 offset accounts per eligible variable rate loan, and redraw on most products
- Construction loans covering land and build costs, up to 80% LVR
Getting a Macquarie Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Macquarie with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Macquarie with the rest of the panel against your deposit, income, property and goals, then explains the options in plain English. We work from Bangor, NSW, serve the Sutherland Shire, and also help borrowers across Australia by phone and video.
Meanwhile, to see current Macquarie products, use the lender filter in our comparison tool. When you are ready, contact us for a free, no-obligation chat about whether Macquarie or another lender is the better fit.
Macquarie Home Loan FAQs
Yes. In fact, APRA regulates Macquarie Bank Limited as an authorised deposit-taking institution, and it appears on the APRA register as an Australian-owned bank.
Macquarie Group Limited, an ASX-listed company, owns Macquarie Bank Limited. The group began as Hill Samuel Australia in 1969 and then became Macquarie Bank in 1985.
Macquarie lets borrowers link up to 10 offset accounts to each eligible variable rate loan. However, offset benefits do not apply while a loan has a fixed rate.
Yes. Macquarie’s broker material describes construction loans that combine land and build costs in one facility, lending up to 80% of the lower of the as-if-complete valuation or the cost to complete, subject to its criteria.
Yes. Mortgage brokers introduce more than 95% of Macquarie’s home loans, and Macquarie is also one of the lenders on the Ingram Financial panel.
Ingram Financial has no ownership ties to Macquarie. Macquarie is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.