Home loan rates › Mortgage Choice Freedom
Mortgage Choice Freedom Flex Bundle
Mortgage Choice Freedom
Rate discount applied when an Owner-Occupied Flex is held alongside an Investor Flex. Combines Flex variable-rate features.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 6.64% | 6.50% | Variable · owner occupied · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.64% | 6.51% | Variable · owner occupied · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.69% | 6.55% | Variable · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.74% | 6.60% | Variable · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 6.39% | 6.39% | Variable · owner occupied · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 6.44% | 6.42% | Variable · owner occupied · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 6.49% | 6.46% | Variable · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 6.54% | 6.50% | Variable · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 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-flex-bundle- Content hash
sha256 601779b0c0136aac6468b71bf42a3630955d40cccad3bb59c7cd53da44307f65- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_601779b0c0136aac_134737b0Show details
- Checked
- 1 Nov 2026
- URL
https://mortgagechoice.athena.com.au/cds-au/v1/banking/products/mcf-flex-bundle- Content hash
sha256 601779b0c0136aac6468b71bf42a3630955d40cccad3bb59c7cd53da44307f65- 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
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Valuation Fee | Upfront | $0.00 |
| Ongoing Fee | Periodic | $0.00 |
| Split Loan Fee | Transaction | $0.00 |
| Discharge Fee | Exit | $0.00 |
| Redraw Fee | Transaction | $0.00 |
| Offset Account Fee | Periodic | $0.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Online and mobile account management | |
| Offset | 100% multi-offset across up to 10 linked sub-accounts | |
| Redraw | Free redraw facility | |
| Extra repayments | Unlimited extra repayments | |
| Other | Drop Your Rate — automatic rate reduction as LVR drops to next tier | |
| Other | Automatic Rate Match — existing customers receive the same rate as new customers on a like-for-like variable loan | |
| Complementary product discounts | Rate discount on Freedom Flex Owner when bundled with Freedom Flex Investor | |
| Eligibility: natural person | ||
| Eligibility: min age | 18 | Minimum age 18 years |
| Eligibility: residency status | Australian citizen or permanent resident | |
| Eligibility: other | Lending criteria and T&Cs apply | |
| Limit: min limit | 100000.00 | |
| Limit: max limit | 3000000.00 | |
| Limit: max lvr | 0.80 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 6.54% | 6.50% |
| Variable · owner occupied · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 6.44% | 6.42% |
| Variable · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 6.49% | 6.46% |
| Variable · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 6.74% | 6.60% |
| Variable · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 6.69% | 6.55% |
| Variable · owner occupied · interest only · LVR 50% or less | 1 Nov 2026 | Current | 6.64% | 6.50% |
| Variable · owner occupied · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 6.64% | 6.51% |
| Variable · owner occupied · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 6.39% | 6.39% |
*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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