Mortgage Choice Freedom
Every product Mortgage Choice Freedom publishes under the Consumer Data Right, with its rates set beside every other lender's. It last changed one on 13 Oct 2026.
- Australian credit licence 502611, held by Athena Mortgage Pty Ltd; credit licence since 23 February 2018. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
- A non-bank lender: it lends but takes no deposits, and publishes its products under the Consumer Data Right like the banks.
14 products in 1 category
All of them home loansMortgage Choice Freedom's rates today
Mortgage Choice Freedom's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 28 October 2026. Only products anyone can apply for are counted.
Where Mortgage Choice Freedom sits among every institution's best
| Rate | Mortgage Choice Freedom | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.39%Mortgage Choice Freedom Prime Bundle (With Offset) | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.34%Mortgage Choice Freedom Fixed | 6.09%Border Bank's Customs Value Home Loan | 6.69%of 79 institutions |
Mortgage Choice Freedom home loan repayments
Repayments at Mortgage Choice Freedom's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- 6.39%6.42% comparison$3,749a month
$749,679 in interest, $1,349,679 repaid in all
- 1-year fixedMortgage Choice Freedom Fixed7.34%6.58% comparison$4,130a month
$886,709 in interest, $1,486,709 repaid in all
- 2-year fixedMortgage Choice Freedom Fixed7.34%6.66% comparison$4,130a month
$886,709 in interest, $1,486,709 repaid in all
- 3-year fixedMortgage Choice Freedom Fixed7.34%6.73% comparison$4,130a month
$886,709 in interest, $1,486,709 repaid in all
- Investor variableMortgage Choice Freedom Saver6.59%6.55% comparison$3,828a month
$778,077 in interest, $1,378,077 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Mortgage Choice Freedom's own calculator: confirm the rate with Mortgage Choice Freedom before you apply.
Mortgage Choice Freedom home loan rates
Compare across lenders14 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.39%, with a comparison rate of 6.42%, on its Mortgage Choice Freedom Prime Bundle (Without Offset): 55th lowest of 102 lenders, level with 5 others.
- Mortgage Choice Freedom Fixed
- Fixed
- 1 yr 7.19%, 2 yrs 7.19%, 3 yrs 7.19%
- Max LVR
- 80%
- Features
- extra repayments
- Mortgage Choice Freedom Flex
- Variable (owner occ. P&I)
- 6.54%, 6.54% comparison
- Variable (investor P&I)
- 6.59%
- Max LVR
- 80%
- Mortgage Choice Freedom Flex Bundle
- Variable (owner occ. P&I)
- 6.39%, 6.39% comparison
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Mortgage Choice Freedom Move with End DebtPriced on application
- Pricing
- Rates on application
- Max LVR
- 85%
- Features
- offset, redraw, extra repayments
- Mortgage Choice Freedom Move with No End DebtPriced on application
- Pricing
- Rates on application
- Max LVR
- 85%
- Features
- offset, redraw, extra repayments
- Mortgage Choice Freedom Prime (With Offset)
- Variable (owner occ. P&I)
- 6.39%, 6.65% comparison
- Variable (investor P&I)
- 6.44%
- Max LVR
- 80%
- Mortgage Choice Freedom Prime (Without Offset)
- Variable (owner occ. P&I)
- 6.39%, 6.42% comparison
- Variable (investor P&I)
- 6.44%
- Max LVR
- 80%
- Mortgage Choice Freedom Prime Bundle (With Offset)
- Variable (owner occ. P&I)
- 6.24%, 6.50% comparison
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- Mortgage Choice Freedom Prime Bundle (Without Offset)
- Variable (owner occ. P&I)
- 6.24%, 6.27% comparison
- Max LVR
- 80%
- Features
- redraw, extra repayments
- Mortgage Choice Freedom Saver
- Variable (owner occ. P&I)
- 6.39%, 6.39% comparison
- Variable (investor P&I)
- 6.44%
- Max LVR
- 80%
- Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc)Priced on application
- Pricing
- Rates on application
- Variable (owner occ. P&I)
- 6.99%, 7.05% comparison
- Variable (investor P&I)
- 7.24%
- Mortgage Choice Freedom Tailored Plus Full DocPriced on application
- Pricing
- Rates on application
- Variable (investor P&I)
- 6.79%
- Max LVR
- 85%
- Mortgage Choice Freedom Tailored Plus Lite DocPriced on application
- Pricing
- Rates on application
- Variable (investor P&I)
- 7.19%
- Max LVR
- 80%
- Mortgage Choice Freedom Tailored Self-Employed Lite DocPriced on application
- Pricing
- Rates on application
- Variable (owner occ. P&I)
- 6.99%, 7.05% comparison
- Variable (investor P&I)
- 7.19%
Every published rate Mortgage Choice Freedom has changed.
Tue 13 Oct
Mortgage Choice Freedom lifted 136 variable home loan rates by 0.25 percentage points.
0.25- Mortgage Choice Freedom Flex (16 rates)
- Mortgage Choice Freedom Flex Bundle (8 rates)
- Mortgage Choice Freedom Move with End Debt (2 rates)
- Mortgage Choice Freedom Move with No End Debt (2 rates)
- Mortgage Choice Freedom Prime Bundle (With Offset) (8 rates)
- Mortgage Choice Freedom Prime Bundle (Without Offset) (8 rates)
- Mortgage Choice Freedom Prime (With Offset) (16 rates)
- Mortgage Choice Freedom Prime (Without Offset) (16 rates)
- Mortgage Choice Freedom Saver (16 rates)
- Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) (8 rates)
- and 3 more
Mortgage Choice Freedom lifted 48 fixed home loan rates by 0.40 to 0.50 percentage points.
0.40 to 0.50
Published by Mortgage Choice Freedom under the Consumer Data Right, last changed by them on 13 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.