Macquarie Financial

Innovative mortgage solutions

Macquarie is deeply saddened by the continuing devastation caused by the wildfire in Fort McMurray. If you have questions about your mortgage please call our customer service line at 1-877-462-3788 and choose option 6.


We want to make you feel right at home.

Welcome to Macquarie Financial and our large and growing family of customers across Canada. We provide flexible features and competitive rates both at funding and on renewal so you can shape your mortgage to meet your needs.

Best of all, we treat you like family—with special privileges, attentive care and flexible options that put you in control during every life stage and situation.

Count on Macquarie Financial for:  

  • Stability: We have local expertise with the backing of one of the world’s largest and most diversified financial companies, the global Macquarie Group. Headquartered in Sydney, Australia, The Macquarie Group provides banking, financial, advisory, investment and funds management services to institutional, corporate and retail clients and counterparties around the world. The Macquarie name spans the globe through more than 70 offices worldwide—over one third of which are in North America. In fact, we’ve been offering innovative financial solutions to Canadian investors since 1999.
  • Service: Our Mortgage Planners provide personalized guidance throughout the entire home financing process.
  • Savings: We offer highly competitive rates today and when you renew your mortgage. Plus our flexible payment options help you save thousands over the life of your loan.
  • Support: Macquarie Financial is a proud contributor to health care, education, welfare, the arts and the environment through the Macquarie Group Foundation. The Macquarie Group Foundation has been providing generous support on local, national and global levels since 1985 and has donated more than $US150 million to 1,300 community organisations. Learn more

With the stability of a large global firm, our above-and-beyond service commitment and our money-saving rates Macquarie Financial has become one of Canada’s most trusted mortgage providers—and we continue to grow every day. 

Choosing a mortgage

It’s a lot like choosing a home.

Just like your home, your home financing should suit you and your needs. So Macquarie Financial offers a wide range of mortgage products and competitive rates. Whether you're buying a new or second home, renewing, or refinancing, contact us for guidance on the best options.

Our products

Here’s a handy guide to Macquarie Financial’s different mortgage products and their benefits:
Mortgage typeOverviewTermAvailable Features
Fixed Rate Mortgage Ideal if you want the security of a fixed interest rate and don't want to think about rate fluctuations. 1, 2, 3, 4, and 5 year Monthly, accelerated weekly, accelerated biweekly payment schedules
20/20 prepayment privileges
Portable and assumable
Adjustable Rate Mortgage An adjustable rate mortgage generally offers the lowest mortgage rate available and can therefore potentially save you thousands of dollars in interest costs over the life of your mortgage. 5 year Monthly, accelerated weekly, accelerated biweekly payment schedules
20/20 prepayment privileges
Portable and assumable
Investment Mortgage
(Rental Property)
Take advantage of the lucrative investment real estate market. Borrow up to $1 million to finance up to 4 unit non-owner occupied residence. Finance up to 80 percent of the property price. 1, 2, 3, 4 and 5 year fixed rate
5 year adjustable rate.
Monthly, accelerated weekly, accelerated biweekly payment schedules
20/20 prepayment privileges
Portable and assumable
Business for Self Mortgage Designed for self-employed professionals who may not qualify for a typical mortgage. You only need to show minimum documentation of your business. 1, 2, 3, 4 and 5 year fixed rate
5 year adjustable rate.
Monthly, accelerated weekly, accelerated biweekly payment schedules
20/20 prepayment privileges
Portable and assumable
New to Canada Mortgage Moving to a new country can be intimidating. Take the worry out of home ownership—we help you to settle in with a minimum down payment of 5 percent. 1, 2, 3, 4 and 5 year fixed rate
5 year adjustable rate.
Monthly, accelerated weekly, accelerated biweekly payment schedules
20/20 prepayment privileges
Portable and assumable
Second Home Mortgage Finance a second home—a downtown loft or condo to save you from commuting, or a place for your children to live while they’re away at university. Turn your dreams into an affordable reality. 1, 2, 3, 4 and 5 year fixed rate
5 year adjustable rate.
Monthly, accelerated weekly, accelerated biweekly payment schedules
20/20 prepayment privileges
Portable and assumable
Commercial Mortgage In partnership with Mortgage Alliance Commercial Canada (MACC), Macquarie offers financing for commercial real estate. With privileged business relationships with over 40 commercial lenders, we can finance all your commercial real estate. We’ll find the right fit for your project. Fixed and adjustable rate mortgages Mortgages start from $1M up to $50M
Choose a loan term of up to 30 years.
Borrow up to 75 percent of the value of the
property and in some cases more.
Flexible capital repayment plans.

Contact us for advice on tailoring a Macquarie Financial mortgage to fit your unique needs.’

Paying off your mortgage faster

Macquarie Financial can help you save thousands of dollars in interest while reducing your principal faster. Here are your options:

1. Accelerate your payment schedule

Pay down your mortgage faster by selecting our accelerated weekly or accelerated bi-weekly payment options to make an additional monthly payment each year. This simple strategy can save thousands in interest costs.

This example is based on a $200,000 mortgage at a 5 year fixed rate of 4%, assuming no interest rate changes for the life of the mortgage.

Payment frequencyPayment amountAmortizationEstimated total interest costEstimated mortgage balance after 5 yearsPayments
Monthly   $1,052.04 25 years $37,230.26 $174,107.86 12
Accelerated bi-weekly $526.02 25 years $36,615.77 $168,233.17      26
Accelerated weekly $263.01 25 years $36,586.99 $168,204.39 52

2. Increase your monthly payments up to 20 percent each year.

Increasing your payment by even a few dollars helps you pay down your mortgage faster—the increased amount goes directly toward reducing your principal.

3. Prepay up to 20 percent of your mortgage balance each year.

Make lump sum payments of up to 20 percent of the original borrowed amount each year. These extra payments are applied to your principal and help to reduce your interest costs and the outstanding balance of your mortgage. A great way to put your bonus or income tax return to use.

4. Choose a shorter amortization period.

Reduce the interest you pay by shortening the life of your Macquarie Financial mortgage.

Contact us to take advantage of these money-saving features.


Save on home financing

We offer highly competitive rates—now and at renewal.

At Macquarie Financial, we offer highly competitive interest rates when you acquire a new mortgage and when you renew.

Rates effective 11:59 PM EST December 19, 2016 (rates apply to new applications, switches and refinances from other lenders):


Our posted rate

Bank posted rate 


Fixed rate      
5 year 2.94% 4.64% 1.70%
4 year 2.84% 3.89% 1.05%
3 year 2.59% 3.39% 0.80%
2 year 2.34% 2.84% 0.50%
1 year 2.44% 2.89% 0.45%
Adjustable rate      
5 year 2.35%
(Prime - 0.35%)
(Prime - 0.00%)

Macquarie Financial Prime rate is 2.70% (effective 12:01 AM EST August 3, 2015).

Rates above are for mortgages with a loan-to-value over 80%.

1 and 2 year mortgages are for high ratio mortgages only.

Discuss your needs with a Mortgage Planner today and receive our best rate.

 1Annual Percentage Rate (APR). Terms and conditions may apply. Rates and programs are subject to change at any time without notice. Additional rate premium may apply for conventional, self employed and rental property mortgages. Bank Posted Rate is an average of the six largest Canadian chartered banks posted rates as at the date quoted, however rates may differ for individual banks.


When your mortgage is due for renewal, talk to us.

Renewing your mortgage is an important decision. It can have a major impact on your long-term financial plans. If your mortgage with another lender is coming up for renewal, Macquarie Financial offers a complete range of mortgage options, consistently competitive rates and can help you choose the mortgage that best fits your future.

When the time comes, Macquarie Financial is here with our preferred rates, flexible features and expert advice.


Leverage your home equity at a great low rate.

Refinance your mortgage to leverage the equity you’ve built in your home, add to its value or to enhance your lifestyle: Use the cash to:

  • renovate to make your home more enjoyable and valuable
  • make a major purchase or
  • consolidate your debts into one predictable payment. 

Refinance and borrow up to 80 percent of the appraised value of your home, minus the outstanding amount of your mortgage (conditions apply). You will continue to enjoy our preferred rate and flexible options so you can save while you enjoy an enhanced lifestyle.

Speak to a Mortgage Planner for a free appraisal, to learn how much you qualify to borrow and to get assistance in setting up an application.


Your home is your castle

Our options put you at the helm.

With a Macquarie Financial mortgage, you’re in control. Our flexible features include;

  • A variety of payment frequencies: Select from monthly, accelerated weekly or accelerated bi-weekly payment options. The faster you pay off your mortgage, the more money you save on interest charges
  • 20–20 prepayment privileges: Each year, you have the freedom to increase your regular payments by up to 20 percent of your original payment amount. Also, throughout the year, you can make lump sum payments totaling up to 20 percent of your original mortgage amount
  • Portability1: Take your mortgage with you when you purchase a new home. If current market rates are higher than your Macquarie Financial preferred rate, this can help you save thousands in interest and avoid early repayment charges
  • Assumability2: Offer potential buyers the chance to take over (assume) your mortgage. Penalty-free at the current rate, term and loan amount.

If you are a Macquarie customer you can manage your mortgage account and take advantage of these money saving options from the comfort of home.

Manage your account 

1 Terms and conditions apply. Subject to approval. The mortgage must be ported with same remaining term and amortization.

2 Terms and conditions apply. Subject to approval. This feature is not available in the province of Quebec.

For your existing Macquarie mortgage 

Contact customer service

Monday to Friday
8am to 8pm EST

Email customer service


For new mortgage requests

Contact our mortgage planners

Email mortgage planner

 Click here to renew your existing Macquarie Mortgage