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Mortgage Choice Freedom Prime (Without Offset)

Mortgage Choice Freedom

CDR official

Variable-rate home loan with redraw and split-loan capability, with tiered pricing by LVR band. Up to 80% LVR. Full Doc.

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Product data

The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.

Rates

RateComparison*Applies toConditionsSourceSince
6.59%6.53%Variable · investment · interest only · LVR 50% or lessCDR1 Nov 2026
6.64%6.58%Variable · investment · interest only · LVR 50%–60%CDR1 Nov 2026
6.69%6.63%Variable · investment · interest only · LVR 60%–70%CDR1 Nov 2026
6.74%6.68%Variable · investment · interest only · LVR 70%–80%CDR1 Nov 2026
6.44%6.47%Variable · investment · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.49%6.52%Variable · investment · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.54%6.57%Variable · investment · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.59%6.62%Variable · investment · principal and interest · LVR 70%–80%CDR1 Nov 2026
6.64%6.53%Variable · owner occupied · interest only · LVR 50% or lessCDR1 Nov 2026
6.64%6.55%Variable · owner occupied · interest only · LVR 50%–60%CDR1 Nov 2026
6.69%6.60%Variable · owner occupied · interest only · LVR 60%–70%CDR1 Nov 2026
6.74%6.65%Variable · owner occupied · interest only · LVR 70%–80%CDR1 Nov 2026
6.39%6.42%Variable · owner occupied · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.44%6.47%Variable · owner occupied · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.49%6.52%Variable · owner occupied · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.54%6.57%Variable · owner occupied · principal and interest · LVR 70%–80%CDR1 Nov 2026

*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.

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Source

CDR officialConsumer Data Right product dataShow where this comes from
Fetched
1 Nov 2026
URL
https://mortgagechoice.athena.com.au/cds-au/v1/banking/products/mcf-prime-without-offset
Content hash
sha256 f6bc6fa80397ed12f119ab43cbacb6f3399353b1645396435086eeeec1e6936a
Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_f6bc6fa80397ed12_44bc5636Show details
Checked
1 Nov 2026
URL
https://mortgagechoice.athena.com.au/cds-au/v1/banking/products/mcf-prime-without-offset
Content hash
sha256 f6bc6fa80397ed12f119ab43cbacb6f3399353b1645396435086eeeec1e6936a
Excerpt
—
Rule version
mapper@0.1.2

Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.

Fees

FeeTypeAmount
Application FeeUpfront$0.00
Valuation FeeUpfront$0.00
Settlement FeeUpfront$330.00
Split Loan FeeTransaction$0.00
Discharge FeeExit$499.00
Ongoing FeePeriodic$0.00
Redraw FeeTransaction$0.00

Features and eligibility

ItemValueDetails
Digital bankingOnline and mobile account management
RedrawFree redraw facility
Extra repaymentsUnlimited extra repayments
Eligibility: natural person
Eligibility: min age18Minimum age 18 years
Eligibility: residency statusAustralian citizen or permanent resident
Eligibility: otherLending criteria and T&Cs apply
Limit: min limit100000.00
Limit: max limit3000000.00
Limit: max lvr0.80

Rate history

RateFromToRate p.a.Comparison
Variable · owner occupied · principal and interest · LVR 50%–60%1 Nov 2026Current6.44%6.47%
Variable · investment · interest only · LVR 70%–80%1 Nov 2026Current6.74%6.68%
Variable · investment · interest only · LVR 50%–60%1 Nov 2026Current6.64%6.58%
Variable · investment · principal and interest · LVR 70%–80%1 Nov 2026Current6.59%6.62%
Variable · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current6.74%6.65%
Variable · investment · interest only · LVR 60%–70%1 Nov 2026Current6.69%6.63%
Variable · investment · principal and interest · LVR 50% or less1 Nov 2026Current6.44%6.47%
Variable · investment · principal and interest · LVR 60%–70%1 Nov 2026Current6.54%6.57%
Variable · owner occupied · interest only · LVR 50%–60%1 Nov 2026Current6.64%6.55%
Variable · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current6.54%6.57%
Variable · owner occupied · principal and interest · LVR 60%–70%1 Nov 2026Current6.49%6.52%
Variable · owner occupied · interest only · LVR 50% or less1 Nov 2026Current6.64%6.53%
Variable · investment · principal and interest · LVR 50%–60%1 Nov 2026Current6.49%6.52%
Variable · investment · interest only · LVR 50% or less1 Nov 2026Current6.59%6.53%
Variable · owner occupied · principal and interest · LVR 50% or less1 Nov 2026Current6.39%6.42%
Variable · owner occupied · interest only · LVR 60%–70%1 Nov 2026Current6.69%6.60%

*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.

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