Go places with a Macquarie Bank Offset Flyer Home Loan Package

Go places with a Macquarie Bank
Offset Flyer Home Loan Package

Go places with a Macquarie Bank Offset Flyer Home Loan Package
Take out a Macquarie Bank Offset Flyer Home Loan Package and we’ll look
after you for the life of your loan. This package is designed for home buyers
and investors who want a flexible home loan solution with an offset account
and to be rewarded with Qantas Points. It is a fully transactional loan, that
allows you to maintain flexibility as you pay off your loan.
You could also enjoy earning more Qantas Points if you opt in to Qantas
Frequent Flyer Rewards on your Macquarie Visa Platinum Card. So, all those
holiday destinations may be closer than you think.
Go places with your home loan
Features and benefits of the Macquarie Offset
Earn Qantas Points 1 – Take out a Macquarie Bank Offset Flyer Home Loan
Flyer Home Loan Package 2 and you will receive:
• 10,000 Qantas Points for every $100,000 drawn down
at settlement as an introductory gift (calculated to the
nearest point)
• 1,000 Qantas Points each month your outstanding loan
balance is at least $150,000 on the last business day of
the month
• 25,000 bonus Qantas Points on the third and fifth
anniversaries of your loan, calculated from the day of
settlement, as long as your outstanding loan balance
is at least $150,000 on the last business day of the
anniversary month.
Macquarie Bank Offset Qantas Points earned
Flyer Home Loan
Package example
$350,000 loan amount 35,000 credited at settlement
Optional insurance quote 6 – you can request an obligationfree
quote for building, contents or landlord insurance
Each month for the life of 1,000 as long as your outstanding
the loan
loan balance is at least $150,000 on
the last business day of the month
when submitting your application. In order to keep pricing
competitive, flood cover is not included.
Third anniversary
25,000 as long as your outstanding
loan balance is at least $150,000 Convenient account access – Our internet banking facilities
on the last business day of the
give you access to your account 24 hours a day, seven days
anniversary month
a week.
Fifth anniversary
25,000 as long as your outstanding
loan balance is at least $150,000
on the last business day of the
anniversary month
Macquarie Visa
Qantas Points earned
Platinum Card 3
All eligible purchases One Qantas Point per dollar up to
$200,000 spend per year 4
100 per cent offset account – by linking an offset account to
your home loan, any money you have in the offset reduces the
amount of interest you pay on your loan. You can also reduce
the term of your loan, helping you pay off your loan faster.
Multiple accounts – manage your finances using multiple
accounts. You can choose different features for each account,
including fixed 5 or variable interest rates, and principal and
interest or interest only accounts.
Additional repayments – make additional repayments as
often as you like on variable rate loans and up to five per cent
per year on fixed loans. A redraw facility is also available on
variable rate loans, allowing you to pay extra money into your
loan that you can take out later if you need it.
Build or renovate – funds can be used to build your home on
new or existing land, or to renovate your existing home.
Free ATM access – Your ATM transactions are free when you
use the wide range of ATMs in our home network 7 .
Want to see how many Qantas Points you could earn?
Visit macquarie.com.au/pointscalculator

Case study – Brian and Jenny’s new home
Brian and Jenny have taken out a Macquarie Bank
Offset Flyer Home Loan Package to purchase their new
home. They chose it for the competitive interest rate
and the ability to earn Qantas Points, so they can fly to
Europe for a long-awaited holiday sooner.
Brian and Jenny draw down $350,000 at the settlement
of their Offset Flyer Home Loan and maintain an
outstanding loan balance of $150,000 each month for
five years. Take a look at how many Qantas Points 2 they
could earn:
• at settlement = 35,000
• end of year one = 12,000
• end of year two = 12,000
• end of year three = 12,000 + 25,000 bonus Qantas
Points
• end of year four = 12,000
• end of year five = 12,000 + 25,000 bonus Qantas
Points
Total points at the end of five years =
145,000 Qantas Points
IMPORTANT: The case study provided including all names and details is a
fictitious example only and is provided for illustrative purposes to demonstrate
the features of the Macquarie Bank Offset Flyer Home Loan. It should not be
relied upon for any reason and provides no determination of the potential tax
implications of the Macquarie Bank Offset Flyer Home Loan. We recommend
you obtain independent financial, legal and taxation advice before making any
financial investment decision.
When you apply and are approved for the
Macquarie Bank Offset Flyer Home Loan
Package you also receive:
Increased Qantas Points earning potential with Macquarie
– take out a Macquarie Bank Offset Flyer Home Loan Package
and benefit from earning Qantas Points on both the home
loan and on eligible purchases made using a Macquarie Visa
Platinum Card opted in to Qantas Frequent Flyer Rewards.
Macquarie Visa Platinum Cardholders can earn one Qantas
Point per dollar spent on eligible purchases.
Other benefits of the Macquarie Bank Offset Flyer Home Loan
Package include:
• a discount on the standard variable rate (SVR) on
your loan 8
• all annual credit card fees waived on your Macquarie Visa.
Platinum Card which offers up to 55 days interest free 9 .
OFFSET FLYER HOME LOAN PACKAGE
Features
Accounts
Principal and interest
Interest only
Option to fix (terms one to five years)
Additional payments on variable loans
Additional payments on fixed loans
Redraw
Offset account (not available during
the construction period)
Construction (Qantas Points
not available during the
construction period)
Package inclusions
One free variation 10 (per year)
Discount on SVR 8
Macquarie Visa Platinum Card
Unlimited (after
settlement)
(one account must
remain variable -
minimum $20,000)
Up to 5% of original
fixed loan amount each
year without penalty
(minimum credit limit
is $6,000)
Waived settlement fee
Fees
Documentation fee
$330 (plus GST)
Account management fee
$398 annually
(one fee will apply for up
to 5 loans, where the loan
applications are submitted
simultaneously for the same
borrower on the Flyer Home
Loan Package)
Monthly fees $0
Construction administration fee
$699 (where
construction contract
price is ≤ $400,000)
$999 (where
construction contract
price is >$400,000)
Macquarie Visa Platinum Card
Interest free period 9
Qantas Points 1 earning rate
Overseas travel insurance 11
Purchase protection cover 11
Standard primary cardholder
annual fee 12
Complimentary concierge service
Up to 55 days on
purchases only
1 Qantas Point
per $1 spent on eligible
purchases
(90 days)
$200 (waived)

For more information visit
macquarie.com.au/mortgages
This disclaimer applies to this entire document in whole or in part. Macquarie Securitisation Limited (MSL) (Australian Credit Licence 237863) ACN 003 297 336 is the servicer of
Macquarie home loans. Macquarie Bank Limited (MBL) (Australian Credit Licence 237502) ABN 46 008 583 542 provides and administers credit and is the issuer of the Macquarie
Visa Platinum Card, Macquarie Visa Gold Card and Macquarie Visa RateSaver Card. This information has been prepared by Macquarie for general purposes only. Before making a
decision about whether to acquire a credit or lending product, a person should obtain and review the terms and conditions relating to that product. All applications are subject to
Macquarie's standard credit approval criteria. Conditions apply. Fees and charges are payable.
Except for MBL, any Macquarie entity referred to on this page is not an authorised deposit taking institution for the purposes of the Banking Act 1959 (Cth). That entity's obligations
do not represent deposits or other liabilities of MBL. MBL does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.
1 Qantas Points, offered by Macquarie, accrue and will be credited to your Qantas Frequent Flyer account in accordance with the ‘Macquarie Bank Flyer Home Loan Terms and
Conditions’. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points and to qualify for a Macquarie Bank Flyer Home Loan. A joining
fee usually applies. However, Macquarie has arranged for this to be waived if you take out a Macquarie Bank Flyer Home Loan. Membership and the earning and redemption of
Qantas Points are subject to the Qantas Frequent Flyer terms and conditions available at qantas.com/terms. You will not receive any Qantas Points in relation to this offer while
you have defaulted on a loan repayment on your loan account and this amount remains outstanding for 60 days or more. Macquarie is not responsible for the administration of
the Qantas Frequent Flyer program. Qantas Airways Limited remains at all times solely responsible for the administration of the Qantas Frequent Flyer program.
2 Not available on loans to Self Managed Superannuation Funds or during the construction period of a loan. Terms, conditions and limitations apply. For more information, refer to
the ‘Macquarie Bank Flyer Home Loan Terms and Conditions’, which are available at macquarie.com.au/flyerloanterms.
3 Approval is subject to Macquarie Card Services credit criteria. Terms and conditions, fees and charges apply and are available on request. Your credit card will be made available
shortly after settlement of your mortgage. Existing MBL credit card holders will retain their existing cards, and these cards will be linked to the package. An annual fee for each
additional card is waived if requested on the application form and applies if requested after settlement, currently $30 for the Macquarie Visa Gold Card. If you have applied for
a Macquarie Visa Platinum Card and your approved credit limit is less than $6,000, you will be issued with a Macquarie Visa Gold Card. Qantas Frequent Flyer Rewards is not
available to Macquarie Visa Gold Cardholders. Macquarie Card Services is a division of MBL which provides and administers credit.
4 Qantas Frequent Flyer Rewards is available only to Macquarie Visa Platinum Card holders. Macquarie Rewards and Qantas Frequent Flyer Rewards are separate programs.
Account holders must opt-in to Qantas Frequent Flyer Rewards to earn Qantas Points. Qantas Points are earned in accordance with and subject to the Macquarie Bank Rewards
Program Terms and Conditions, available at macquarie.com.au/cards. You will earn one Qantas Point for each dollar spent on eligible purchases, up to an annual maximum of
$200,000 of spend. Points are not earned on cash advances, balance transfers or other restricted transactions. You must be a member of the Qantas Frequent Flyer program to
earn and redeem Qantas Points and to qualify for this option. A joining fee may apply. Qantas Points do not have any monetary value and are not transferable or redeemable for
cash. Qantas Points are issued by Qantas Airways Limited. Membership and the earning and redemption of points are subject to the Qantas Frequent Flyer terms and conditions,
available at qantas.com/terms.
5 Fixed rate loans may be subject to significant break costs. Please refer to your loan contract and terms for details of break costs applicable. At the end of the fixed rate period,
the loan rate will revert to the variable interest rate detailed in your loan contract, as applicable at that time.
6 This insurance is offered by Macquarie Mortgages Pty Ltd (ACN 057 760 175; AR no. 438601) (Macquarie) as an Authorised Representative of Auto & General Services Pty Ltd
(ACN 003 617 909, AFS Licence No 241411) (AGS). This insurance product is issued by Auto & General Insurance Company Limited (ACN 111 586 353, AFS Licence No 285571)
(AGIC) and administered by AGS. Because we don't know your financial needs, we can't advise if this insurance will suit you. To decide if the insurance is right for you please
carefully read the relevant Product Disclosure Statement (PDS) and Financial Services Guide. Macquarie receives a commission which is a percentage of your premium. Terms
and Conditions apply. Approved applicants only. Insurance not available in NT, North QLD, and northern WA or flood zones.
7 Includes all ATMs branded Westpac, St George, Bank of Melbourne or Bank of SA. Fees associated with the use of the Cashcard at Home Network ATMs are detailed in the
Macquarie Bank Mortgage Solutions Fees and Charges guide. Macquarie does not charge for use of ATMs outside the Home Network, however you may be charged directly by
the ATM owner at the time of the transaction.
8 To be eligible for the discount on the Macquarie Bank Home Loan Package, you must apply for and activate your Macquarie Bank credit card as part of the package. To retain the
discount, you must keep your Macquarie Bank credit card open for the life of the loan. Package Terms and Conditions apply.
9 Up to 55 days interest free on purchases only applies if your Account is paid in full by the due date shown each month (including any balance transfers).
10 For Package loans, one general consent fee associated with a variation waived per year. Year refers to anniversary of settlement.
11 Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance, Extended Warranty Insurance and Global Hire
Car Excess Waiver are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained
in the Macquarie Bank Platinum Credit Card policy of insurance between MBL and ACE. This brochure doesn't take into account your objectives, financial situation or needs. It is
important for you to read the Macquarie Bank Credit Card Insurances Terms and Conditions available by calling 1300 150 300 and consider the appropriateness of that insurance
in relation to your individual requirements.
12 The card annual fee is payable if the mortgage package is no longer held, currently $200 for the Macquarie Visa Platinum Card and $130 for the Macquarie Visa Gold Card.
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