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Mortgage Choice Freedom Saver

Mortgage Choice Freedom

CDR official

Lowest variable-rate home loan with free redraw and unlimited extra repayments. Includes Drop Your Rate automatic rate reductions and Automatic Rate Match. No offset, no splits.

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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%6.50%Variable · investment · interest only · LVR 50% or lessCDR1 Nov 2026
6.64%6.54%Variable · investment · interest only · LVR 50%–60%CDR1 Nov 2026
6.69%6.58%Variable · investment · interest only · LVR 60%–70%CDR1 Nov 2026
6.74%6.63%Variable · investment · interest only · LVR 70%–80%CDR1 Nov 2026
6.44%6.44%Variable · investment · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.49%6.47%Variable · investment · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.54%6.51%Variable · investment · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.59%6.55%Variable · investment · principal and interest · LVR 70%–80%CDR1 Nov 2026
6.64%6.50%Variable · owner occupied · interest only · LVR 50% or lessCDR1 Nov 2026
6.64%6.51%Variable · owner occupied · interest only · LVR 50%–60%CDR1 Nov 2026
6.69%6.55%Variable · owner occupied · interest only · LVR 60%–70%CDR1 Nov 2026
6.74%6.60%Variable · owner occupied · interest only · LVR 70%–80%CDR1 Nov 2026
6.39%6.39%Variable · owner occupied · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.44%6.42%Variable · owner occupied · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.49%6.46%Variable · owner occupied · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.54%6.50%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-saver
Content hash
sha256 05d3a944388413c951f9851402e165d335d2b0dcf8444b5b5e7e7624751de0fd
Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_05d3a944388413c9_2fe732f5Show details
Checked
1 Nov 2026
URL
https://mortgagechoice.athena.com.au/cds-au/v1/banking/products/mcf-saver
Content hash
sha256 05d3a944388413c951f9851402e165d335d2b0dcf8444b5b5e7e7624751de0fd
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
Ongoing FeePeriodic$0.00
Discharge FeeExit$0.00
Redraw FeeTransaction$0.00

Features and eligibility

ItemValueDetails
Digital bankingOnline and mobile account management
RedrawFree redraw facility
Extra repaymentsUnlimited extra repayments
OtherDrop Your Rate — automatic rate reduction as LVR drops to next tier
OtherAutomatic Rate Match — existing customers receive the same rate as new customers on a like-for-like variable loan
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 · investment · principal and interest · LVR 50%–60%1 Nov 2026Current6.49%6.47%
Variable · owner occupied · principal and interest · LVR 50% or less1 Nov 2026Current6.39%6.39%
Variable · investment · interest only · LVR 50% or less1 Nov 2026Current6.59%6.50%
Variable · investment · interest only · LVR 60%–70%1 Nov 2026Current6.69%6.58%
Variable · investment · interest only · LVR 70%–80%1 Nov 2026Current6.74%6.63%
Variable · investment · principal and interest · LVR 60%–70%1 Nov 2026Current6.54%6.51%
Variable · owner occupied · principal and interest · LVR 60%–70%1 Nov 2026Current6.49%6.46%
Variable · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current6.54%6.50%
Variable · owner occupied · interest only · LVR 60%–70%1 Nov 2026Current6.69%6.55%
Variable · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current6.74%6.60%
Variable · investment · principal and interest · LVR 70%–80%1 Nov 2026Current6.59%6.55%
Variable · owner occupied · interest only · LVR 50%–60%1 Nov 2026Current6.64%6.51%
Variable · investment · interest only · LVR 50%–60%1 Nov 2026Current6.64%6.54%
Variable · owner occupied · principal and interest · LVR 50%–60%1 Nov 2026Current6.44%6.42%
Variable · owner occupied · interest only · LVR 50% or less1 Nov 2026Current6.64%6.50%
Variable · investment · principal and interest · LVR 50% or less1 Nov 2026Current6.44%6.44%

*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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