Mortgage HouseChameleon - Freedom Home Loan 90
Variable-rate owner-occupied home loan with flexible features and lending up to 90% LVR.
At a glance
- Variable (owner occ. P&I)
- 7.14%7.18% comparison
- Max LVR
- 90%
- Features
- redraw, 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 7.14% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 93rd lowest of 102 |
Rates
The one rate Mortgage House publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableVariable owner occupied lending rate. Introductory period is 0 months; no separate introductory rate is exposed. | Owner occupied, P&I | - | - | 7.14% | 7.18% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Owner occupied, P&I | 6.89% | 7.14% | up 0.25 |
Each change is logged the night it appears in the rates Mortgage House publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
- When you take it outUp to $6002 fees, each listed below
- While you hold itVaries2 fees, each listed below
- When you close it or pay it off$500Discharge Fee
When you take it out2
- Application Fee$600
- Settlement Fee$499
While you hold it2
- Annual Facility FeeNo fee
- Monthly FeeNo fee
When particular things happen1
- Valuation FeeNo fee
When you close it or pay it off1
- Discharge Fee$500
Features
- Direct debit repayments are available. Customer specifies repayment frequency, amount and nominated account.
- Loan switching capability may allow a variable interest rate to be switched to a fixed interest rate, subject to terms and conditions.
- Loan split capability may allow multiple accounts under one loan for personal, investment, fixed or variable split purposes.
- Loan portability may allow the home loan to be transferred from one property to another without refinancing, subject to approval.
Eligibility and limits
- Minimum age 18
- Residency: Australian or New Zealand Citizen or permanent resident residing in Australia.
- Amount $150,000 to $2,000,000
- Maximum LVR 90%
- Full documentation loan. Full documentation is required or available for this product.
- Purchase permitted where product credit policy criteria are met.
- Refinance permitted where product credit policy criteria are met.
- Debt consolidation permitted where product credit policy criteria are met.
- Equity release permitted where product credit policy criteria are met.
- Maximum loan term is 30 years.
Compare it with others
Put this product through a calculator
Published by Mortgage House under the Consumer Data Right, last changed by them on 3 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.