Mortgage Choice Freedom Fixed

Fixed-rate home loan with 1, 2, or 3-year locked-in periods. Automatically converts to variable on expiry. No application, ongoing, redraw, or discharge fees.

Home loansLender updated 9 Oct 2026

Apply at Mortgage Choice Freedom ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Fixed: 1 yr 7.19%, 2 yrs 7.19%, 3 yrs 7.19%
Max LVR: 80%
Features: extra repayments

How it compares

This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 6.59%

6%6.2%6.4%6.6%6.8%7%7.2%to 9.5%

This home loan: 7.34%Every other institution's lowest, 80 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest 1-year fixed home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
1-year fixed home loanOwner occupier, principal & interest, 80% LVR	7.34%	5.99%Northern Inland Credit Union Ltd.'s Value Home Loan - Fixed 12M	6.59%of 81 institutions	74th lowest of 81, level with 3 others
2-year fixed home loanOwner occupier, principal & interest, 80% LVR	7.34%	6.09%BankVic's Fixed Rate Home Loan - 2 years	6.59%of 83 institutions	73rd lowest of 83, level with 3 others
3-year fixed home loanOwner occupier, principal & interest, 80% LVR	7.34%	6.09%Border Bank's Customs Value Home Loan	6.69%of 79 institutions	69th lowest of 79, level with 3 others

Rates

Every rate Mortgage Choice Freedom publishes for this home loan, 48 in all.

Variable and fixed, at 80% LVR

Owner occupier, principal and interest, the lowest rate for each

1 yr fixedtypical 6.59%7.34%
2 yrs fixedtypical 6.59%7.34%
3 yrs fixedtypical 6.69%7.34%

This home loanTypical lender's best

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	1 yr fixed	≤50% LVR	7.44%	6.54%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	1 yr fixed	50–60% LVR	7.44%	6.57%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	1 yr fixed	60–70% LVR	7.49%	6.61%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	1 yr fixed	70–80% LVR	7.54%	6.65%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	2 yrs fixed	≤50% LVR	7.44%	6.64%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	2 yrs fixed	50–60% LVR	7.44%	6.66%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	2 yrs fixed	60–70% LVR	7.49%	6.70%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	2 yrs fixed	70–80% LVR	7.54%	6.74%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	3 yrs fixed	≤50% LVR	7.44%	6.72%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	3 yrs fixed	50–60% LVR	7.44%	6.75%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	3 yrs fixed	60–70% LVR	7.49%	6.79%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Investment, Interest only	3 yrs fixed	70–80% LVR	7.54%	6.83%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	1 yr fixed	≤50% LVR	7.29%	6.53%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	1 yr fixed	50–60% LVR	7.34%	6.56%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	1 yr fixed	60–70% LVR	7.39%	6.60%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	1 yr fixed	70–80% LVR	7.49%	6.64%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	2 yrs fixed	≤50% LVR	7.29%	6.61%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	2 yrs fixed	50–60% LVR	7.34%	6.64%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	2 yrs fixed	60–70% LVR	7.39%	6.68%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	2 yrs fixed	70–80% LVR	7.49%	6.73%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	3 yrs fixed	≤50% LVR	7.29%	6.69%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	3 yrs fixed	50–60% LVR	7.34%	6.72%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	3 yrs fixed	60–70% LVR	7.39%	6.76%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Investment, P&I	3 yrs fixed	70–80% LVR	7.49%	6.81%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	1 yr fixed	≤50% LVR	7.44%	6.50%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	1 yr fixed	50–60% LVR	7.44%	6.53%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	1 yr fixed	60–70% LVR	7.44%	6.56%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	1 yr fixed	70–80% LVR	7.44%	6.59%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	2 yrs fixed	≤50% LVR	7.44%	6.60%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	2 yrs fixed	50–60% LVR	7.44%	6.62%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	2 yrs fixed	60–70% LVR	7.44%	6.65%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	2 yrs fixed	70–80% LVR	7.44%	6.68%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	3 yrs fixed	≤50% LVR	7.44%	6.69%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	3 yrs fixed	50–60% LVR	7.44%	6.71%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	3 yrs fixed	60–70% LVR	7.44%	6.74%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, Interest only	3 yrs fixed	70–80% LVR	7.44%	6.76%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	1 yr fixed	≤50% LVR	7.19%	6.47%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	1 yr fixed	50–60% LVR	7.24%	6.50%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	1 yr fixed	60–70% LVR	7.29%	6.54%	-
Fixed1 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	1 yr fixed	70–80% LVR	7.34%	6.58%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	2 yrs fixed	≤50% LVR	7.19%	6.55%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	2 yrs fixed	50–60% LVR	7.24%	6.58%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	2 yrs fixed	60–70% LVR	7.29%	6.62%	-
Fixed2 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	2 yrs fixed	70–80% LVR	7.34%	6.66%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	3 yrs fixed	≤50% LVR	7.19%	6.62%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	3 yrs fixed	50–60% LVR	7.24%	6.65%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	3 yrs fixed	60–70% LVR	7.29%	6.69%	-
Fixed3 year fixed rate. Reverts to variable rate at end of term.	Owner occupied, P&I	3 yrs fixed	70–80% LVR	7.34%	6.73%	-

Rate changes

48 changes logged, newest first.

Date	Rate	Was	Now	Change
13 Oct 2026	Fixed, Investment, Interest only, 1 yr fixed, ≤50% LVR	6.94%	7.44%	up 0.50
13 Oct 2026	Fixed, Investment, Interest only, 1 yr fixed, 50–60% LVR	6.94%	7.44%	up 0.50
13 Oct 2026	Fixed, Investment, Interest only, 1 yr fixed, 60–70% LVR	6.99%	7.49%	up 0.50
13 Oct 2026	Fixed, Investment, Interest only, 1 yr fixed, 70–80% LVR	7.04%	7.54%	up 0.50
13 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, ≤50% LVR	6.99%	7.44%	up 0.45
13 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, 50–60% LVR	6.99%	7.44%	up 0.45
13 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, 60–70% LVR	7.04%	7.49%	up 0.45
13 Oct 2026	Fixed, Investment, Interest only, 2 yrs fixed, 70–80% LVR	7.09%	7.54%	up 0.45
13 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, ≤50% LVR	7.04%	7.44%	up 0.40
13 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, 50–60% LVR	7.04%	7.44%	up 0.40
13 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, 60–70% LVR	7.09%	7.49%	up 0.40
13 Oct 2026	Fixed, Investment, Interest only, 3 yrs fixed, 70–80% LVR	7.14%	7.54%	up 0.40
13 Oct 2026	Fixed, Investment, P&I, 1 yr fixed, ≤50% LVR	6.79%	7.29%	up 0.50
13 Oct 2026	Fixed, Investment, P&I, 1 yr fixed, 50–60% LVR	6.84%	7.34%	up 0.50
13 Oct 2026	Fixed, Investment, P&I, 1 yr fixed, 60–70% LVR	6.89%	7.39%	up 0.50
13 Oct 2026	Fixed, Investment, P&I, 1 yr fixed, 70–80% LVR	6.99%	7.49%	up 0.50
13 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, ≤50% LVR	6.84%	7.29%	up 0.45
13 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, 50–60% LVR	6.89%	7.34%	up 0.45
13 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, 60–70% LVR	6.94%	7.39%	up 0.45
13 Oct 2026	Fixed, Investment, P&I, 2 yrs fixed, 70–80% LVR	7.04%	7.49%	up 0.45
13 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, ≤50% LVR	6.89%	7.29%	up 0.40
13 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, 50–60% LVR	6.94%	7.34%	up 0.40
13 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, 60–70% LVR	6.99%	7.39%	up 0.40
13 Oct 2026	Fixed, Investment, P&I, 3 yrs fixed, 70–80% LVR	7.09%	7.49%	up 0.40
13 Oct 2026	Fixed, Owner occupied, Interest only, 1 yr fixed, ≤50% LVR	6.94%	7.44%	up 0.50
13 Oct 2026	Fixed, Owner occupied, Interest only, 1 yr fixed, 50–60% LVR	6.94%	7.44%	up 0.50
13 Oct 2026	Fixed, Owner occupied, Interest only, 1 yr fixed, 60–70% LVR	6.94%	7.44%	up 0.50
13 Oct 2026	Fixed, Owner occupied, Interest only, 1 yr fixed, 70–80% LVR	6.94%	7.44%	up 0.50
13 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, ≤50% LVR	6.99%	7.44%	up 0.45
13 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, 50–60% LVR	6.99%	7.44%	up 0.45
13 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, 60–70% LVR	6.99%	7.44%	up 0.45
13 Oct 2026	Fixed, Owner occupied, Interest only, 2 yrs fixed, 70–80% LVR	6.99%	7.44%	up 0.45
13 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, ≤50% LVR	7.04%	7.44%	up 0.40
13 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, 50–60% LVR	7.04%	7.44%	up 0.40
13 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, 60–70% LVR	7.04%	7.44%	up 0.40
13 Oct 2026	Fixed, Owner occupied, Interest only, 3 yrs fixed, 70–80% LVR	7.04%	7.44%	up 0.40
13 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, ≤50% LVR	6.69%	7.19%	up 0.50
13 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, 50–60% LVR	6.74%	7.24%	up 0.50
13 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, 60–70% LVR	6.79%	7.29%	up 0.50
13 Oct 2026	Fixed, Owner occupied, P&I, 1 yr fixed, 70–80% LVR	6.84%	7.34%	up 0.50
13 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, ≤50% LVR	6.74%	7.19%	up 0.45
13 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 50–60% LVR	6.79%	7.24%	up 0.45
13 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 60–70% LVR	6.84%	7.29%	up 0.45
13 Oct 2026	Fixed, Owner occupied, P&I, 2 yrs fixed, 70–80% LVR	6.89%	7.34%	up 0.45
13 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, ≤50% LVR	6.79%	7.19%	up 0.40
13 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 50–60% LVR	6.84%	7.24%	up 0.40
13 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 60–70% LVR	6.89%	7.29%	up 0.40
13 Oct 2026	Fixed, Owner occupied, P&I, 3 yrs fixed, 70–80% LVR	6.94%	7.34%	up 0.40

Each change is logged the night it appears in the rates Mortgage Choice Freedom publishes. See how every lender answered the RBA on the rate tracker.

Fees

5 fees published, grouped by when they're charged.

When you take it outVaries2 fees, each listed below
While you hold itNo feeOngoing Fee
When you close it or pay it offVaries2 fees, each listed below

When you take it out2

Application Fee
No fee
Valuation Fee
No fee

While you hold it1

Ongoing Fee
No fee

When you close it or pay it off2

Break Cost
Break cost may apply if fixed-rate loan is broken or varied before end of fixed term, or if annual extra-repayment limit is exceeded
From $0
Discharge Fee
No fee

Features

Extra repaymentsDigital banking

Eligibility and limits

Minimum age 18
Residency: Australian citizen or permanent resident
Available to individuals
Amount $100,000 to $3,000,000
Maximum LVR 80%
Lending criteria and T&Cs apply

Compare it with others

All home loans Other Mortgage Choice Freedom home loans Everything Mortgage Choice Freedom publishes

Put this product through a calculator

Published by Mortgage Choice Freedom under the Consumer Data Right, last changed by them on 9 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.