Macquarie Bank Fixed 2-Year Home Loan 4.99% p.a. (LVR 70% or Less, CR 5.54% p.a.) + up to $2000 Broker Rebate @ Macquarie Bank

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AssociatedRannar @ Rannar Financial Services on 05/08/2025 - 10:40 macquarie.com.au (180 clicks)
Last edited 05/08/2025 - 11:07 by 1 other user

Looking for a sharp rate with added value? We've got some great home loan options available via broker only (not direct from the bank). Perfect for refinancing or new purchases.
Owner Occupied – P&I Loans (<70% LVR)
2-Year Fixed from 4.99% (CPR 5.54%)
↳ +0.10% if LVR <80%

Variable from 5.64% (CPR 5.66%)
↳ +0.05% if LVR <80%

Investor – P&I Loans (<70% LVR)
2-Year Fixed from 5.15% (CPR 5.65%)
↳ +0.10% if LVR <80%

Variable from 5.64% (CPR 5.65%)
↳ +0.10% if LVR <80%

Fixed Rate Features
No annual fee (basic loan – fixed or variable)
Offset account available with a variable split (min $20K split, with package fee)
Free automatic rate lock on formal approval
Extra repayments up to $10,000/year
Split loan option available

Broker Rebate – Up to $2,000! (Not affiliated with Macquarie Bank)
Plus: Broker Bonus
🔹 0.10% of Net Loan Amount
🔹 Paid in 2 instalments: Month 13 & 25 post-settlement
Available via broker only (not through direct bank channels). Paid in 2 instalments (Month 13 & 25) after settlement.

Why Consider Fixing Now?
Even with potential rate cuts on the horizon, locking in now can still save you more upfront.

For example:
Existing rate: 5.99%
Fixed rate: 4.99%
→ On a $500K loan, that’s a saving of $5,000 per year,
→ Plus $500 rebate = $5,500 savings in just the first year.

Compare With Other Cashback Offers:

ANZ – $2,000 Refi / $3,000 FHB (Min $250K)
ME Bank – $3,000 Refi (Min $700K per property)
Bank of China – Up to $1,288 Refi (Min $250K per property)

📞 Contact Rannar Loans – Ask for Sach
📧 Email: [email protected]
📱 Phone: 0479 181 437
🌐 Website: www.rannar.com.au

✅ Please email us first for fastest response
📵 Missed calls/OzB messages may be delayed
⏱ If no reply within 24-48 hours (check your spam), please call or text

Sach from Rannar Loans
Credit Representative No. 541742
Under Australian Credit Licence 384324

⚠️ Disclaimer:
This post is for general information only and not financial advice. It doesn’t consider your personal circumstances. Always seek professional advice before making financial decisions.

Related Stores

Macquarie Bank

Rannar Financial Services

Third-Party

• 

  paddywide on 05/08/2025 - 11:18

  +33

  This is an advertisement, not a bargain from Macquarie Bank. You are from financial service.

• 

  Panama on 05/08/2025 - 11:41

  +4

  I reckon we’re in for 3 cuts minimum in the next 12 months which makes this a pretty poor offer?

  • 

    jellykingdom on 05/08/2025 - 12:25

    -4

    Why do you reckon that? The banks don't agree with you

    We've been hearing that for the last 2yrs, and so far we've had…2?

• 

  kcome on 05/08/2025 - 11:48

  +5

  After 2PM next Tuesday, it’s highly likely this deal doesn’t look like a bargain.

• 

  Frozensage on 05/08/2025 - 11:53

  +5

  U know the bank never loses money so if they giving out 4.99 fixed that means variables will be lower than that in a years time.

  • 

    No Child Support on 05/08/2025 - 12:20

    This. They literally have people on huge $$$ to do their forecasting, the banks will never give us a bargain on their own will lol

  • 

    boretentsu on 05/08/2025 - 13:06

    +1

    That's what I thought when I said 'no' to a 3 year fixed rate at 1.9% in August 2021

    • 

      pdtmathieson on 05/08/2025 - 14:30

      Some win, some lose. The balance of fixed v variable is always 50/50 based on the best estimations of the bank.

    • 

      tightm8 on 05/08/2025 - 15:07

      +2

      I laughed at my cousin who did 5 years fixed at 2.39%, I was right for about a year and a bit… he's still paying that rate till May 2026…

      He is scared shitless.

      • 

        Igaf on 05/08/2025 - 18:24

        +1

        Seems he did okay. Why is he scared shitless?

    • 

      oatmatcha on 05/08/2025 - 21:22

      My broker forced strongly encouraged me to say yes to 4 years at just under 1.9%. Thank god for him.

• 

  jlien on 05/08/2025 - 12:25

  +2

  I'd fix at 4.99% for 1 year sure, 2/3 years is a poor offer though.

• 

  Uncleroger on 05/08/2025 - 12:48

  2k rebate in 2 installments. Lol no thanks!!

  • 

    soan papdi on 05/08/2025 - 12:56

    +7

    🔹 0.10% of Net Loan Amount

    Up to 2K. For the 2K cashback, the loan has to be $2m.

• 

  Wiser on 05/08/2025 - 13:01

  -1

  UPTO 2000.
  There used to be a MB called Refund homeloans.
  They appointed so many brokers (franchisees) collecting fees and gone bankrupt.
  The used to fly 100s of propective franchisees to Brisbane preach them for a day and many got trapped. This happened even a month before the collapse.

  What abot 50% of your initial and trailling commission to start with.
  Mortgage brokers make hefty commissions and eliminate the possibikity direct negotiations with the lender at later stage.
  The banks should pass these commissions to borrowers as cashback.

• 

  mynamewahhhwahh on 05/08/2025 - 13:04

  ME bank cashback deal looks better: https://www.mebank.com.au/home-loans/refinance/
  Currently 5.63% variable, likely to shift down 0.25% in next quarter at the latest. $3000 cashback with a $700,000 minimum loan amount, paid within 60 days.

  Also if you have under 80% LVR, you pay a higher interest rate.

  This is a bad deal and purely an ad for a mortgage broker.

• 

  willyroo on 05/08/2025 - 13:14

  +1

  We've got some great home loan options available via broker only (not direct from the bank)

  Owner Occupied – P&I Loans (<70% LVR)
  2-Year Fixed from 4.99% (CPR 5.54%)

  Meanwhile "direct from the bank":

  2 year fixed rate 4.99% p.a.

  • 

    Makaveli99 on 05/08/2025 - 23:48

    Yes, key point. Good brokers can get negotiated rate.

• 

  Captain Yobbo on 06/08/2025 - 10:15

  Spam from a third party broker. If they're trying to lock in 2yrs under 5% what does that tell you about the bank's predictions for the rate in that time.