LENDER PROFILE
Macquarie Bank
High-income + large loans · Investment portfolios
Top pick for high-net-worth and investor portfolios. Rates hug the big-four's best tier, mature offset product, fully digital approvals — but policy shifts fast and non-core clients get sidelined.
Policy notes updated 2026-04-20
Why Halo steers HNW clients to Macquarie
Macquarie runs the most mature digital approval pipeline on the market — compliant clients go from submit to formal approval in 36-60 hours. Pricing hugs the big-four's lowest tier, offset product is clean, client experience is excellent. The trade-off: policy shifts fast, and non-core clients get sidelined.
Policy snapshot
| Metric | Macquarie |
|---|---|
| Full-doc OO max LVR | 95% standard / 90% LMI-waived (professionals) |
| Investment max LVR | 90% |
| Alt-doc | No standalone alt-doc product |
| Overseas income | Only NZ/UK/US/HK/SG accepted; CN/IN/PH declined |
| Typical decision | 36-60 hours (full-doc, complete file) |
| Serviceability buffer | 2.75% (APRA aligned) |
Professional LMI-waiver list: AHPRA-registered doctors, chartered accountants, lawyers, dentists, vets.
What Halo sees in the field
Speed is Macquarie's biggest edge — but the re-review triggers are strict:
ProfileDoctor couple · dual PAYG $420k · Sydney Hills
Scenario$1.85M OO, LMI waived, 90% LVR
结果Halo submits to Macquarie, 38h formal approval, 3yr fixed 5.94%
Matches with Halo products
- Halo Prime HNW clients preferentially go to Macquarie
- Halo Flex alt-doc does NOT go to Macquarie — fallback Bendigo
Next step
Check fit with Macquarie Bank
Drop your client profile into the Halo scenario tool — we'll tell you if this lender is the right call and how much they'll lend.
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