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Mortgage Choice Freedom Prime (With Offset)

Mortgage Choice Freedom

CDR official

Variable-rate home loan with offset, 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%6.74%Variable · investment · interest only · LVR 50% or lessCDR1 Nov 2026
6.64%6.79%Variable · investment · interest only · LVR 50%–60%CDR1 Nov 2026
6.69%6.84%Variable · investment · interest only · LVR 60%–70%CDR1 Nov 2026
6.74%6.89%Variable · investment · interest only · LVR 70%–80%CDR1 Nov 2026
6.44%6.70%Variable · investment · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.49%6.75%Variable · investment · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.54%6.80%Variable · investment · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.59%6.85%Variable · investment · principal and interest · LVR 70%–80%CDR1 Nov 2026
6.64%6.74%Variable · owner occupied · interest only · LVR 50% or lessCDR1 Nov 2026
6.64%6.77%Variable · owner occupied · interest only · LVR 50%–60%CDR1 Nov 2026
6.69%6.81%Variable · owner occupied · interest only · LVR 60%–70%CDR1 Nov 2026
6.74%6.87%Variable · owner occupied · interest only · LVR 70%–80%CDR1 Nov 2026
6.39%6.65%Variable · owner occupied · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.44%6.70%Variable · owner occupied · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.49%6.75%Variable · owner occupied · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.54%6.80%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-with-offset
Content hash
sha256 dad139ee341dfe39ee5d80796ed53960830af0e20c2ace9d815c9eedd1fc7385
Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_dad139ee341dfe39_e6d96050Show details
Checked
1 Nov 2026
URL
https://mortgagechoice.athena.com.au/cds-au/v1/banking/products/mcf-prime-with-offset
Content hash
sha256 dad139ee341dfe39ee5d80796ed53960830af0e20c2ace9d815c9eedd1fc7385
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
Offset Account FeePeriodic$249.00

Features and eligibility

ItemValueDetails
Digital bankingOnline and mobile account management
Offset100% multi-offset across up to 10 linked sub-accounts
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 · investment · principal and interest · LVR 60%–70%1 Nov 2026Current6.54%6.80%
Variable · investment · interest only · LVR 70%–80%1 Nov 2026Current6.74%6.89%
Variable · investment · principal and interest · LVR 50%–60%1 Nov 2026Current6.49%6.75%
Variable · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current6.74%6.87%
Variable · investment · principal and interest · LVR 50% or less1 Nov 2026Current6.44%6.70%
Variable · owner occupied · interest only · LVR 50%–60%1 Nov 2026Current6.64%6.77%
Variable · investment · interest only · LVR 60%–70%1 Nov 2026Current6.69%6.84%
Variable · investment · principal and interest · LVR 70%–80%1 Nov 2026Current6.59%6.85%
Variable · owner occupied · interest only · LVR 60%–70%1 Nov 2026Current6.69%6.81%
Variable · owner occupied · interest only · LVR 50% or less1 Nov 2026Current6.64%6.74%
Variable · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current6.54%6.80%
Variable · owner occupied · principal and interest · LVR 50% or less1 Nov 2026Current6.39%6.65%
Variable · owner occupied · principal and interest · LVR 50%–60%1 Nov 2026Current6.44%6.70%
Variable · owner occupied · principal and interest · LVR 60%–70%1 Nov 2026Current6.49%6.75%
Variable · investment · interest only · LVR 50%–60%1 Nov 2026Current6.64%6.79%
Variable · investment · interest only · LVR 50% or less1 Nov 2026Current6.59%6.74%

*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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