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Mortgage Choice Freedom Flex

Mortgage Choice Freedom

CDR official

Variable-rate home loan with 100% offset (up to 10 sub-accounts), free redraw, and split-loan capability. Includes Drop Your Rate automatic rate reductions as LVR drops, and Automatic Rate Match for existing customers.

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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
6.74%6.65%Variable · investment · interest only · LVR 50% or lessCDR1 Nov 2026
6.79%6.69%Variable · investment · interest only · LVR 50%–60%CDR1 Nov 2026
6.84%6.73%Variable · investment · interest only · LVR 60%–70%CDR1 Nov 2026
6.89%6.78%Variable · investment · interest only · LVR 70%–80%CDR1 Nov 2026
6.59%6.59%Variable · investment · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.64%6.62%Variable · investment · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.69%6.66%Variable · investment · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.74%6.70%Variable · investment · principal and interest · LVR 70%–80%CDR1 Nov 2026
6.79%6.65%Variable · owner occupied · interest only · LVR 50% or lessCDR1 Nov 2026
6.79%6.66%Variable · owner occupied · interest only · LVR 50%–60%CDR1 Nov 2026
6.84%6.71%Variable · owner occupied · interest only · LVR 60%–70%CDR1 Nov 2026
6.89%6.75%Variable · owner occupied · interest only · LVR 70%–80%CDR1 Nov 2026
6.54%6.54%Variable · owner occupied · principal and interest · LVR 50% or lessCDR1 Nov 2026
6.59%6.57%Variable · owner occupied · principal and interest · LVR 50%–60%CDR1 Nov 2026
6.64%6.61%Variable · owner occupied · principal and interest · LVR 60%–70%CDR1 Nov 2026
6.69%6.65%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-flex
Content hash
sha256 2a25fb028315dc153a78081adfac41e81b00967deea867e23005b277382b1d16
Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_2a25fb028315dc15_1cf26b25Show details
Checked
1 Nov 2026
URL
https://mortgagechoice.athena.com.au/cds-au/v1/banking/products/mcf-flex
Content hash
sha256 2a25fb028315dc153a78081adfac41e81b00967deea867e23005b277382b1d16
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
Split Loan FeeTransaction$0.00
Ongoing FeePeriodic$0.00
Discharge FeeExit$0.00
Redraw FeeTransaction$0.00
Offset Account FeePeriodic$0.00

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
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 2026Current6.64%6.62%
Variable · investment · principal and interest · LVR 70%–80%1 Nov 2026Current6.74%6.70%
Variable · owner occupied · interest only · LVR 50% or less1 Nov 2026Current6.79%6.65%
Variable · investment · interest only · LVR 50% or less1 Nov 2026Current6.74%6.65%
Variable · investment · principal and interest · LVR 50% or less1 Nov 2026Current6.59%6.59%
Variable · owner occupied · interest only · LVR 70%–80%1 Nov 2026Current6.89%6.75%
Variable · owner occupied · principal and interest · LVR 50%–60%1 Nov 2026Current6.59%6.57%
Variable · owner occupied · interest only · LVR 50%–60%1 Nov 2026Current6.79%6.66%
Variable · owner occupied · principal and interest · LVR 70%–80%1 Nov 2026Current6.69%6.65%
Variable · investment · interest only · LVR 50%–60%1 Nov 2026Current6.79%6.69%
Variable · investment · principal and interest · LVR 60%–70%1 Nov 2026Current6.69%6.66%
Variable · owner occupied · principal and interest · LVR 60%–70%1 Nov 2026Current6.64%6.61%
Variable · investment · interest only · LVR 60%–70%1 Nov 2026Current6.84%6.73%
Variable · owner occupied · principal and interest · LVR 50% or less1 Nov 2026Current6.54%6.54%
Variable · owner occupied · interest only · LVR 60%–70%1 Nov 2026Current6.84%6.71%
Variable · investment · interest only · LVR 70%–80%1 Nov 2026Current6.89%6.78%

*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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