Home loan rates › Mortgage Choice Freedom
Mortgage Choice Freedom Fixed
Mortgage Choice Freedom
CDR official
Fixed-rate home loan with 1, 2, or 3-year locked-in periods. Automatically converts to variable on expiry. No application, ongoing, redraw, or discharge fees.
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 |
|---|---|---|---|---|---|
| 7.44% | 6.54% | Fixed · 1 year · investment · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.44% | 6.57% | Fixed · 1 year · investment · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.49% | 6.61% | Fixed · 1 year · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.54% | 6.65% | Fixed · 1 year · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.44% | 6.64% | Fixed · 2 years · investment · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.44% | 6.66% | Fixed · 2 years · investment · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.49% | 6.70% | Fixed · 2 years · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.54% | 6.74% | Fixed · 2 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.44% | 6.72% | Fixed · 3 years · investment · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.44% | 6.75% | Fixed · 3 years · investment · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.49% | 6.79% | Fixed · 3 years · investment · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.54% | 6.83% | Fixed · 3 years · investment · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.29% | 6.53% | Fixed · 1 year · investment · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.34% | 6.56% | Fixed · 1 year · investment · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.39% | 6.60% | Fixed · 1 year · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.49% | 6.64% | Fixed · 1 year · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.29% | 6.61% | Fixed · 2 years · investment · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.34% | 6.64% | Fixed · 2 years · investment · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.39% | 6.68% | Fixed · 2 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.49% | 6.73% | Fixed · 2 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.29% | 6.69% | Fixed · 3 years · investment · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.34% | 6.72% | Fixed · 3 years · investment · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.39% | 6.76% | Fixed · 3 years · investment · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.49% | 6.81% | Fixed · 3 years · investment · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.44% | 6.50% | Fixed · 1 year · owner occupied · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.44% | 6.53% | Fixed · 1 year · owner occupied · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.44% | 6.56% | Fixed · 1 year · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.44% | 6.59% | Fixed · 1 year · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.44% | 6.60% | Fixed · 2 years · owner occupied · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.44% | 6.62% | Fixed · 2 years · owner occupied · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.44% | 6.65% | Fixed · 2 years · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.44% | 6.68% | Fixed · 2 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.44% | 6.69% | Fixed · 3 years · owner occupied · interest only · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.44% | 6.71% | Fixed · 3 years · owner occupied · interest only · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.44% | 6.74% | Fixed · 3 years · owner occupied · interest only · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.44% | 6.76% | Fixed · 3 years · owner occupied · interest only · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.19% | 6.47% | Fixed · 1 year · owner occupied · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.50% | Fixed · 1 year · owner occupied · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.29% | 6.54% | Fixed · 1 year · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.34% | 6.58% | Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.19% | 6.55% | Fixed · 2 years · owner occupied · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.58% | Fixed · 2 years · owner occupied · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.29% | 6.62% | Fixed · 2 years · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.34% | 6.66% | Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | CDR | 1 Nov 2026 | |
| 7.19% | 6.62% | Fixed · 3 years · owner occupied · principal and interest · LVR 50% or less | CDR | 1 Nov 2026 | |
| 7.24% | 6.65% | Fixed · 3 years · owner occupied · principal and interest · LVR 50%–60% | CDR | 1 Nov 2026 | |
| 7.29% | 6.69% | Fixed · 3 years · owner occupied · principal and interest · LVR 60%–70% | CDR | 1 Nov 2026 | |
| 7.34% | 6.73% | Fixed · 3 years · 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
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-fixed- Content hash
sha256 7b3fe6e0b59c63edc307627f41931eea93edbe4e0c82d2f04c644de62cd87b06- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7b3fe6e0b59c63ed_53bd6e12Show details
- Checked
- 1 Nov 2026
- URL
https://mortgagechoice.athena.com.au/cds-au/v1/banking/products/mcf-fixed- Content hash
sha256 7b3fe6e0b59c63edc307627f41931eea93edbe4e0c82d2f04c644de62cd87b06- 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 |
| Discharge Fee | Exit | $0.00 |
| Break Cost | Exit | Set in your letter of offer |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Digital banking | Online and mobile account management | |
| Extra repayments | Up to 5% of loan balance per year | |
| 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 |
|---|---|---|---|---|
| Fixed · 3 years · owner occupied · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 7.24% | 6.65% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.34% | 6.66% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 7.19% | 6.47% |
| Fixed · 1 year · owner occupied · interest only · LVR 50% or less | 1 Nov 2026 | Current | 7.44% | 6.50% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.29% | 6.69% |
| Fixed · 1 year · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.44% | 6.56% |
| Fixed · 3 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.39% | 6.76% |
| Fixed · 3 years · investment · interest only · LVR 50% or less | 1 Nov 2026 | Current | 7.44% | 6.72% |
| Fixed · 1 year · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.49% | 6.64% |
| Fixed · 2 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.44% | 6.68% |
| Fixed · 3 years · owner occupied · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 7.44% | 6.71% |
| Fixed · 1 year · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.44% | 6.59% |
| Fixed · 2 years · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.39% | 6.68% |
| Fixed · 1 year · owner occupied · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 7.44% | 6.53% |
| Fixed · 2 years · investment · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 7.44% | 6.66% |
| Fixed · 2 years · owner occupied · interest only · LVR 50% or less | 1 Nov 2026 | Current | 7.44% | 6.60% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.34% | 6.58% |
| Fixed · 3 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.54% | 6.83% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 7.19% | 6.62% |
| Fixed · 3 years · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.49% | 6.79% |
| Fixed · 2 years · investment · interest only · LVR 50% or less | 1 Nov 2026 | Current | 7.44% | 6.64% |
| Fixed · 3 years · owner occupied · interest only · LVR 50% or less | 1 Nov 2026 | Current | 7.44% | 6.69% |
| Fixed · 2 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.49% | 6.73% |
| Fixed · 3 years · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.49% | 6.81% |
| Fixed · 1 year · investment · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 7.34% | 6.56% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 7.24% | 6.58% |
| Fixed · 1 year · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.54% | 6.65% |
| Fixed · 1 year · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.49% | 6.61% |
| Fixed · 1 year · investment · interest only · LVR 50% or less | 1 Nov 2026 | Current | 7.44% | 6.54% |
| Fixed · 1 year · investment · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 7.29% | 6.53% |
| Fixed · 2 years · owner occupied · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 7.44% | 6.62% |
| Fixed · 3 years · investment · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 7.29% | 6.69% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 7.19% | 6.55% |
| Fixed · 2 years · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.29% | 6.62% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 7.24% | 6.50% |
| Fixed · 2 years · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.44% | 6.65% |
| Fixed · 1 year · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.39% | 6.60% |
| Fixed · 3 years · investment · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 7.34% | 6.72% |
| Fixed · 2 years · investment · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.54% | 6.74% |
| Fixed · 3 years · owner occupied · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.34% | 6.73% |
| Fixed · 1 year · investment · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 7.44% | 6.57% |
| Fixed · 1 year · owner occupied · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.29% | 6.54% |
| Fixed · 2 years · investment · principal and interest · LVR 50% or less | 1 Nov 2026 | Current | 7.29% | 6.61% |
| Fixed · 2 years · investment · principal and interest · LVR 50%–60% | 1 Nov 2026 | Current | 7.34% | 6.64% |
| Fixed · 2 years · investment · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.49% | 6.70% |
| Fixed · 3 years · owner occupied · interest only · LVR 70%–80% | 1 Nov 2026 | Current | 7.44% | 6.76% |
| Fixed · 3 years · owner occupied · interest only · LVR 60%–70% | 1 Nov 2026 | Current | 7.44% | 6.74% |
| Fixed · 3 years · investment · interest only · LVR 50%–60% | 1 Nov 2026 | Current | 7.44% | 6.75% |
*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.
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.