RateGapevery home loan rate lenders publish, compared

Mortgage Choice Freedom home loan rates

Mortgage Choice Freedom's lowest advertised variable rate for a home you live in and pay down is 5.99%, if you owe up to 50% of the home’s value. It was read Monday 2 November, and is 0.14 percentage points above the going rate of 5.85% across every lender. Its lowest fixed rate is 6.69%, fixed for one year.

Since the Reserve Bank’s increase on Tuesday 29 September, Mortgage Choice Freedom has not changed its lowest advertised variable rate, 5.99%, as at Monday 2 November. After the Reserve Bank’s increase has every lender.

368 advertised rates across 14 products, published by Mortgage Choice Freedom under the Consumer Data Right. Last read Monday 2 November, yesterday. No lender pays to be listed.

Where it sits

5.99% Mortgage Choice Freedom, lowest variable rate if you owe up to 50%

5.85% The going rate

0.14 percentage points above the going rate

The going rate is the lowest rate at least three lenders reach, so one lender's odd price cannot set it.

Both are advertised new-customer rates. A negotiated discount is in neither. Read your own rate against this.

Lowest variable rate, if you owe up to 50%: 5.99%
Lowest fixed rate: 6.69%, one year
Lowest comparison rate: 6.01%
Rates published: 368, across 14 products
Last rate move: Tuesday 13 October
Last read: Monday 2 November

For a home you live in and pay down. The other loan types are in the tables below.

Lenders set a different rate for each LVR band, shown as how much you owe. LVR is what you owe as a share of the home's value.

Owner-occupied, principal and interest

Variable

Mortgage Choice Freedom Prime Bundle (With Offset) · owe up to 50% · 5.99–6.24% (6.25–6.50% with fees)
Mortgage Choice Freedom Prime Bundle (Without Offset) · owe up to 50% · 5.99–6.24% (6.01–6.27% with fees)
Mortgage Choice Freedom Prime Bundle (With Offset) · owe 50.01–60% · 6.04–6.29% (6.30–6.55% with fees)
Mortgage Choice Freedom Prime Bundle (Without Offset) · owe 50.01–60% · 6.04–6.29% (6.06–6.32% with fees)
Mortgage Choice Freedom Prime Bundle (With Offset) · owe 60.01–70% · 6.09–6.34% (6.35–6.60% with fees)
Mortgage Choice Freedom Prime Bundle (Without Offset) · owe 60.01–70% · 6.09–6.34% (6.11–6.37% with fees)
Mortgage Choice Freedom Prime Bundle (With Offset) · owe 70.01–80% · 6.14–6.39% (6.40–6.65% with fees)
Mortgage Choice Freedom Prime Bundle (Without Offset) · owe 70.01–80% · 6.14–6.39% (6.16–6.42% with fees)
Mortgage Choice Freedom Flex Bundle · owe up to 50% · 6.14–6.39% (6.14–6.39% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe up to 50% · 6.14–6.39% (6.40–6.65% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe up to 50% · 6.14–6.39% (6.16–6.42% with fees)
Mortgage Choice Freedom Saver · owe up to 50% · 6.14–6.39% (6.14–6.39% with fees)
Mortgage Choice Freedom Flex Bundle · owe 50.01–60% · 6.19–6.44% (6.17–6.42% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 50.01–60% · 6.19–6.44% (6.45–6.70% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 50.01–60% · 6.19–6.44% (6.21–6.47% with fees)
Mortgage Choice Freedom Saver · owe 50.01–60% · 6.19–6.44% (6.17–6.42% with fees)
Mortgage Choice Freedom Flex Bundle · owe 60.01–70% · 6.24–6.49% (6.21–6.46% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 60.01–70% · 6.24–6.49% (6.50–6.75% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 60.01–70% · 6.24–6.49% (6.26–6.52% with fees)
Mortgage Choice Freedom Saver · owe 60.01–70% · 6.24–6.49% (6.21–6.46% with fees)
Mortgage Choice Freedom Flex Bundle · owe 70.01–80% · 6.29–6.54% (6.25–6.50% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 70.01–80% · 6.29–6.54% (6.55–6.80% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 70.01–80% · 6.29–6.54% (6.31–6.57% with fees)
Mortgage Choice Freedom Saver · owe 70.01–80% · 6.29–6.54% (6.25–6.50% with fees)
Mortgage Choice Freedom Flex · owe up to 50% · 6.29–6.54% (6.29–6.54% with fees)
Mortgage Choice Freedom Flex · owe 50.01–60% · 6.34–6.59% (6.32–6.57% with fees)
Mortgage Choice Freedom Flex · owe 60.01–70% · 6.39–6.64% (6.36–6.61% with fees)
Mortgage Choice Freedom Flex · owe 70.01–80% · 6.44–6.69% (6.40–6.65% with fees)
Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) · owe 80.01–85% · 6.74–6.99% (6.79–7.05% with fees)
Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) · owe 80.01–85% · 6.94–7.19% (6.99–7.25% with fees)

Fixed

Mortgage Choice Freedom Fixed · one year · owe up to 50% · 6.69–7.19% (6.20–6.47% with fees)
Mortgage Choice Freedom Fixed · one year · owe 50.01–60% · 6.74–7.24% (6.23–6.50% with fees)
Mortgage Choice Freedom Fixed · two years · owe up to 50% · 6.74–7.19% (6.26–6.55% with fees)
Mortgage Choice Freedom Fixed · one year · owe 60.01–70% · 6.79–7.29% (6.26–6.54% with fees)
Mortgage Choice Freedom Fixed · two years · owe 50.01–60% · 6.79–7.24% (6.29–6.58% with fees)
Mortgage Choice Freedom Fixed · three years · owe up to 50% · 6.79–7.19% (6.33–6.62% with fees)
Mortgage Choice Freedom Fixed · one year · owe 70.01–80% · 6.84–7.34% (6.30–6.58% with fees)
Mortgage Choice Freedom Fixed · two years · owe 60.01–70% · 6.84–7.29% (6.33–6.62% with fees)
Mortgage Choice Freedom Fixed · three years · owe 50.01–60% · 6.84–7.24% (6.36–6.65% with fees)
Mortgage Choice Freedom Fixed · two years · owe 70.01–80% · 6.89–7.34% (6.37–6.66% with fees)

Showing 40 of 42 rates for this profile, lowest rate first. Every band Mortgage Choice Freedom prices in appears above. The 2 not shown are more rates inside those same bands — a different product, or a different fixed term. All of them are in the data.

Where a rate is shown as a range, Mortgage Choice Freedom published more than one under conditions it stated identically — same product, same term, same band, same loan size. Nothing published says which of them applies, so this does not guess.

Owner-occupied, interest only

42 rates

Variable

Mortgage Choice Freedom Prime Bundle (With Offset) · owe up to 50% · 6.24–6.49% (6.34–6.59% with fees)
Mortgage Choice Freedom Prime Bundle (With Offset) · owe 50.01–60% · 6.24–6.49% (6.36–6.62% with fees)
Mortgage Choice Freedom Prime Bundle (Without Offset) · owe up to 50% · 6.24–6.49% (6.12–6.38% with fees)
Mortgage Choice Freedom Prime Bundle (Without Offset) · owe 50.01–60% · 6.24–6.49% (6.15–6.40% with fees)
Mortgage Choice Freedom Prime Bundle (With Offset) · owe 60.01–70% · 6.29–6.54% (6.43–6.66% with fees)
Mortgage Choice Freedom Prime Bundle (Without Offset) · owe 60.01–70% · 6.29–6.54% (6.20–6.45% with fees)
Mortgage Choice Freedom Prime Bundle (With Offset) · owe 70.01–80% · 6.34–6.59% (6.46–6.72% with fees)
Mortgage Choice Freedom Prime Bundle (Without Offset) · owe 70.01–80% · 6.34–6.59% (6.25–6.50% with fees)
Mortgage Choice Freedom Flex Bundle · owe up to 50% · 6.39–6.64% (6.25–6.50% with fees)
Mortgage Choice Freedom Flex Bundle · owe 50.01–60% · 6.39–6.64% (6.26–6.51% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe up to 50% · 6.39–6.64% (6.49–6.74% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 50.01–60% · 6.39–6.64% (6.51–6.77% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe up to 50% · 6.39–6.64% (6.27–6.53% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 50.01–60% · 6.39–6.64% (6.30–6.55% with fees)
Mortgage Choice Freedom Saver · owe up to 50% · 6.39–6.64% (6.25–6.50% with fees)
Mortgage Choice Freedom Saver · owe 50.01–60% · 6.39–6.64% (6.26–6.51% with fees)
Mortgage Choice Freedom Flex Bundle · owe 60.01–70% · 6.44–6.69% (6.30–6.55% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 60.01–70% · 6.44–6.69% (6.57–6.81% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 60.01–70% · 6.44–6.69% (6.35–6.60% with fees)
Mortgage Choice Freedom Saver · owe 60.01–70% · 6.44–6.69% (6.30–6.55% with fees)
Mortgage Choice Freedom Flex Bundle · owe 70.01–80% · 6.49–6.74% (6.35–6.60% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 70.01–80% · 6.49–6.74% (6.61–6.87% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 70.01–80% · 6.49–6.74% (6.40–6.65% with fees)
Mortgage Choice Freedom Saver · owe 70.01–80% · 6.49–6.74% (6.35–6.60% with fees)
Mortgage Choice Freedom Flex · owe up to 50% · 6.54–6.79% (6.40–6.65% with fees)
Mortgage Choice Freedom Flex · owe 50.01–60% · 6.54–6.79% (6.41–6.66% with fees)
Mortgage Choice Freedom Flex · owe 60.01–70% · 6.59–6.84% (6.45–6.71% with fees)
Mortgage Choice Freedom Flex · owe 70.01–80% · 6.64–6.89% (6.50–6.75% with fees)
Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) · owe 80.01–85% · 6.99–7.24% (6.90–7.16% with fees)
Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) · owe 80.01–85% · 7.19–7.44% (7.10–7.36% with fees)

Fixed

Mortgage Choice Freedom Fixed · one year · owe up to 50% · 6.94–7.44% (6.22–6.50% with fees)
Mortgage Choice Freedom Fixed · one year · owe 50.01–60% · 6.94–7.44% (6.25–6.53% with fees)
Mortgage Choice Freedom Fixed · one year · owe 60.01–70% · 6.94–7.44% (6.28–6.56% with fees)
Mortgage Choice Freedom Fixed · one year · owe 70.01–80% · 6.94–7.44% (6.32–6.59% with fees)
Mortgage Choice Freedom Fixed · two years · owe up to 50% · 6.99–7.44% (6.31–6.60% with fees)
Mortgage Choice Freedom Fixed · two years · owe 50.01–60% · 6.99–7.44% (6.33–6.62% with fees)
Mortgage Choice Freedom Fixed · two years · owe 60.01–70% · 6.99–7.44% (6.36–6.65% with fees)
Mortgage Choice Freedom Fixed · two years · owe 70.01–80% · 6.99–7.44% (6.39–6.68% with fees)
Mortgage Choice Freedom Fixed · three years · owe up to 50% · 7.04–7.44% (6.39–6.69% with fees)
Mortgage Choice Freedom Fixed · three years · owe 50.01–60% · 7.04–7.44% (6.41–6.71% with fees)

Investment, principal and interest

36 rates

Variable

Mortgage Choice Freedom Prime (With Offset) · owe up to 50% · 6.19–6.44% (6.45–6.70% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe up to 50% · 6.19–6.44% (6.21–6.47% with fees)
Mortgage Choice Freedom Saver · owe up to 50% · 6.19–6.44% (6.19–6.44% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 50.01–60% · 6.24–6.49% (6.50–6.75% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 50.01–60% · 6.24–6.49% (6.26–6.52% with fees)
Mortgage Choice Freedom Saver · owe 50.01–60% · 6.24–6.49% (6.22–6.47% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 60.01–70% · 6.29–6.54% (6.55–6.80% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 60.01–70% · 6.29–6.54% (6.31–6.57% with fees)
Mortgage Choice Freedom Saver · owe 60.01–70% · 6.29–6.54% (6.26–6.51% with fees)
Mortgage Choice Freedom Flex · owe up to 50% · 6.34–6.59% (6.34–6.59% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 70.01–80% · 6.34–6.59% (6.60–6.85% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 70.01–80% · 6.34–6.59% (6.36–6.62% with fees)
Mortgage Choice Freedom Saver · owe 70.01–80% · 6.34–6.59% (6.30–6.55% with fees)
Mortgage Choice Freedom Flex · owe 50.01–60% · 6.39–6.64% (6.37–6.62% with fees)
Mortgage Choice Freedom Flex · owe 60.01–70% · 6.44–6.69% (6.41–6.66% with fees)
Mortgage Choice Freedom Flex · owe 70.01–80% · 6.49–6.74% (6.45–6.70% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe up to 50% · 6.54–6.79% (6.64–6.89% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 50.01–60% · 6.59–6.84% (6.69–6.94% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 60.01–70% · 6.64–6.89% (6.74–6.99% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 70.01–80% · 6.69–6.94% (6.79–7.04% with fees)
Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) · owe 80.01–85% · 6.99–7.24% (7.04–7.30% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 80.01–85% · 7.14–7.39% (7.24–7.50% with fees)
Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) · owe 80.01–85% · 7.19–7.44% (7.24–7.50% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 80.01–85% · 7.34–7.59% (7.44–7.70% with fees)

Fixed

Mortgage Choice Freedom Fixed · one year · owe up to 50% · 6.79–7.29% (6.25–6.53% with fees)
Mortgage Choice Freedom Fixed · one year · owe 50.01–60% · 6.84–7.34% (6.28–6.56% with fees)
Mortgage Choice Freedom Fixed · two years · owe up to 50% · 6.84–7.29% (6.32–6.61% with fees)
Mortgage Choice Freedom Fixed · one year · owe 60.01–70% · 6.89–7.39% (6.32–6.60% with fees)
Mortgage Choice Freedom Fixed · two years · owe 50.01–60% · 6.89–7.34% (6.35–6.64% with fees)
Mortgage Choice Freedom Fixed · three years · owe up to 50% · 6.89–7.29% (6.39–6.69% with fees)
Mortgage Choice Freedom Fixed · two years · owe 60.01–70% · 6.94–7.39% (6.39–6.68% with fees)
Mortgage Choice Freedom Fixed · three years · owe 50.01–60% · 6.94–7.34% (6.42–6.72% with fees)
Mortgage Choice Freedom Fixed · one year · owe 70.01–80% · 6.99–7.49% (6.36–6.64% with fees)
Mortgage Choice Freedom Fixed · three years · owe 60.01–70% · 6.99–7.39% (6.46–6.76% with fees)
Mortgage Choice Freedom Fixed · two years · owe 70.01–80% · 7.04–7.49% (6.44–6.73% with fees)
Mortgage Choice Freedom Fixed · three years · owe 70.01–80% · 7.09–7.49% (6.51–6.81% with fees)

Investment, interest only

36 rates

Variable

Mortgage Choice Freedom Prime (With Offset) · owe up to 50% · 6.34–6.59% (6.49–6.74% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe up to 50% · 6.34–6.59% (6.28–6.53% with fees)
Mortgage Choice Freedom Saver · owe up to 50% · 6.34–6.59% (6.25–6.50% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 50.01–60% · 6.39–6.64% (6.54–6.79% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 50.01–60% · 6.39–6.64% (6.33–6.58% with fees)
Mortgage Choice Freedom Saver · owe 50.01–60% · 6.39–6.64% (6.29–6.54% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 60.01–70% · 6.44–6.69% (6.59–6.84% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 60.01–70% · 6.44–6.69% (6.38–6.63% with fees)
Mortgage Choice Freedom Saver · owe 60.01–70% · 6.44–6.69% (6.33–6.58% with fees)
Mortgage Choice Freedom Flex · owe up to 50% · 6.49–6.74% (6.40–6.65% with fees)
Mortgage Choice Freedom Prime (With Offset) · owe 70.01–80% · 6.49–6.74% (6.64–6.89% with fees)
Mortgage Choice Freedom Prime (Without Offset) · owe 70.01–80% · 6.49–6.74% (6.43–6.68% with fees)
Mortgage Choice Freedom Saver · owe 70.01–80% · 6.49–6.74% (6.37–6.63% with fees)
Mortgage Choice Freedom Flex · owe 50.01–60% · 6.54–6.79% (6.44–6.69% with fees)
Mortgage Choice Freedom Flex · owe 60.01–70% · 6.59–6.84% (6.48–6.73% with fees)
Mortgage Choice Freedom Flex · owe 70.01–80% · 6.64–6.89% (6.53–6.78% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe up to 50% · 6.64–6.89% (6.67–6.93% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 50.01–60% · 6.69–6.94% (6.72–6.98% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 60.01–70% · 6.74–6.99% (6.78–7.03% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 70.01–80% · 6.79–7.04% (6.82–7.08% with fees)
Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) · owe 80.01–85% · 7.14–7.39% (7.11–7.36% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 80.01–85% · 7.29–7.54% (7.30–7.56% with fees)
Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) · owe 80.01–85% · 7.34–7.59% (7.31–7.56% with fees)
Mortgage Choice Freedom Tailored Plus Full Doc · owe 80.01–85% · 7.49–7.74% (7.50–7.76% with fees)

Fixed

Mortgage Choice Freedom Fixed · one year · owe up to 50% · 6.94–7.44% (6.27–6.54% with fees)
Mortgage Choice Freedom Fixed · one year · owe 50.01–60% · 6.94–7.44% (6.29–6.57% with fees)
Mortgage Choice Freedom Fixed · one year · owe 60.01–70% · 6.99–7.49% (6.33–6.61% with fees)
Mortgage Choice Freedom Fixed · two years · owe up to 50% · 6.99–7.44% (6.35–6.64% with fees)
Mortgage Choice Freedom Fixed · two years · owe 50.01–60% · 6.99–7.44% (6.37–6.66% with fees)
Mortgage Choice Freedom Fixed · one year · owe 70.01–80% · 7.04–7.54% (6.37–6.65% with fees)
Mortgage Choice Freedom Fixed · two years · owe 60.01–70% · 7.04–7.49% (6.41–6.70% with fees)
Mortgage Choice Freedom Fixed · three years · owe 50.01–60% · 7.04–7.44% (6.45–6.75% with fees)
Mortgage Choice Freedom Fixed · three years · owe up to 50% · 7.04–7.44% (6.43–6.72% with fees)
Mortgage Choice Freedom Fixed · two years · owe 70.01–80% · 7.09–7.54% (6.45–6.74% with fees)
Mortgage Choice Freedom Fixed · three years · owe 60.01–70% · 7.09–7.49% (6.49–6.79% with fees)
Mortgage Choice Freedom Fixed · three years · owe 70.01–80% · 7.14–7.54% (6.53–6.83% with fees)

Restricted to particular groups

Product	Who it is for	Rate
Mortgage Choice Freedom Tailored Self-Employed Lite Doc	a particular group only, per its published conditions	6.74%
Mortgage Choice Freedom Tailored Plus Lite Doc	a particular group only, per its published conditions	6.94%
Mortgage Choice Freedom Move with No End Debt	a particular group only, per its published conditions	8.44%
Mortgage Choice Freedom Move with End Debt	a particular group only, per its published conditions	9.14%

The data says a product is restricted. It never says whether you would get it. On the comparison every one of these can be put back with a click, and every figure is worked out again.

What changed

Mortgage Choice Freedom last moved a rate on Tuesday 13 October. Every rate is read each morning and has come back the same since.

Every lender that publishes rates, and every rate move since capture began.

Beside it

Of 93 lenders with a variable rate anyone could take for a home you live in and pay down, 10 publish a lower one than Mortgage Choice Freedom's 5.99%. The nearest either side:

Bank Australia 5.95%
First Option Bank 5.99%
Mortgage Choice Freedom 5.99%
MoveBank 5.99%
Apollo 6.04%

Mortgage Choice Freedom is a Mortgage Choice brand. The group's other brands with a page here: Mortgage Choice Amplify, Mortgage Choice Ignite. Each publishes its own rates.

Does this look wrong? or could it be better

Two different things go wrong here and they are fixed in different places. If a rate on this page does not match what Mortgage Choice Freedom told you, it is usually one of these.

The published data is wrong

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Everything identifying the feed is filled in below. The one part left is what you saw.

Consumer Data Right — Product Reference Data quality

Data holder brand: Mortgage Choice Freedom
ABN: 24619536506
Product Reference Data endpoint: https://mortgagechoice.athena.com.au/
Data read from that endpoint on: Sunday 1 November
Rate lines published at that time: 368

What appears to be wrong:
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This data is published under the Product Reference Data standard and is
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This page reads it wrongly

The rate is published correctly and this page has misread it. A band shown against the wrong loan type, a fee counted twice, a product that should be marked restricted and is not: that one is mine. Tell me and I will fix it, and say which lender so I can find the row.

Something is missing

A figure this page should show and does not, or a lender that should be here and is not. Tell me through the feedback box. The data behind every page here is free to download if you would rather check it yourself first.

The other questions

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