Home Loans Made Simple.

Are you looking for a new home loan or you want to refinance your current loan to a better rate?

Navigating all the different home loans and features can be tricky when all you want is the best rate, working with an H&C mortgage broker can save you from making a mistake.

Call us today on 1800 979 718.

Features and benefits

Reduce the amount of interest you pay.

A variable interest rate on your home loan allows you flexibility to use your savings to reduce the interest you pay by using offset accounts. With an offset account, you can structure your account in a way that makes your savings work for you.

Pay off your loan faster.

With a variable interest rate on your home loan, there’s no limit on additional payments. Whether you’re using an offset or redraw facility, extra repayments could help you pay off your home loan faster and reduce the amount of interest you pay over the life of your loan.

Easily access additional funds.

Sometimes it’s good to have a little buffer in your back pocket. Enjoy peace of mind knowing that you have unlimited, fee-free access to any additional repayments you’ve made on your variable home loan with our redraw facility.

Are you paying over 7% on your home loan?

You could save thousands on your home loan by switching to a better rate, talk to a H&C mortgage broker today on 1800 979 718.

Frequently asked questions

  • A variable home loan is a type of mortgage where the interest rate can change over the loan period. The interest rate is influenced by a number of factors including the official cash rate and market changes. This means that your monthly repayments can vary, either increasing or decreasing throughout the loan term.

    Variable home loans offer borrowers flexibility and the potential to take advantage of interest rate decreases. When rates are low, borrowers may enjoy lower repayments and potentially save on interest over time. However, there is also the possibility that interest rates may rise, leading to higher monthly repayments.

    Variable home loans often come with additional features like the ability to make extra repayments or access redraw facilities, giving borrowers more control over their loan.

  • The difference between a fixed-rate home loan and a variable rate home loan is in the interest rate structure. With a fixed-rate home loan, the interest rate remains constant for a set period, typically one to five years.

    At the end of the five years, the loan will usually switch to a variable rate. In contrast, a variable rate home loan has an interest rate that can change, usually in response to market conditions. This means that your repayments can fluctuate over time, potentially increasing or decreasing based on changes in interest rates.

    Macquarie offers flexible options, with the ability to split your loan between variable and fixed interest rates to suit your circumstances.

  • Redraw is a product feature that allows you to make extra payments to reduce the outstanding balance of your home loan, which in turn reduces the amount of interest you pay. A redraw facility may allow you to access the extra payments you’ve made up to your loan limit at that time.

  • The home loan interest rate is the actual rate at which interest is charged on your home loan and doesn’t include fees.

    The home loan comparison rate is a rate that helps you work out the true cost of the loan and allows you to compare rates amongst other lenders. It reduces to a single percentage figure the interest rate plus some of the fees and charges relating to a loan. As well as the comparison rate, it’s important to consider the features each loan offers and how valuable these are to you.