Mortgage Choice Freedom home loan rates
368 advertised rate lines across 14 products, published by Mortgage Choice Freedom under the Consumer Data Right. Read yesterday. No lender pays to be listed.
Where it sits
5.99%
Mortgage Choice Freedom, lowest open
5.84%
The benchmark
0.15pp
higher
The benchmark is the rate at which a third distinct lender appears in the sorted list. It is not the lowest rate anyone publishes. Anchoring on the lowest would put a green loan or a veterans' rate under the whole market, and name a difference nobody can capture.
Owner-occupied, principal and interest
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Mortgage Choice Freedom Prime Bundle (With Offset) | variable | 0–50% | 5.99% | 6.25% |
| Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | 0–50% | 5.99% | 6.01% |
| Mortgage Choice Freedom Prime Bundle (With Offset) | variable | 50.01–60% | 6.04% | 6.30% |
| Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | 50.01–60% | 6.04% | 6.06% |
| Mortgage Choice Freedom Prime Bundle (With Offset) | variable | 60.01–70% | 6.09% | 6.35% |
| Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | 60.01–70% | 6.09% | 6.11% |
| Mortgage Choice Freedom Prime Bundle (With Offset) | variable | 70.01–80% | 6.14% | 6.40% |
| Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | 70.01–80% | 6.14% | 6.16% |
| Mortgage Choice Freedom Flex Bundle | variable | 0–50% | 6.14% | 6.14% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 0–50% | 6.14% | 6.40% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 0–50% | 6.14% | 6.16% |
| Mortgage Choice Freedom Saver | variable | 0–50% | 6.14% | 6.14% |
| Mortgage Choice Freedom Flex Bundle | variable | 50.01–60% | 6.19% | 6.17% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 50.01–60% | 6.19% | 6.45% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 50.01–60% | 6.19% | 6.21% |
| Mortgage Choice Freedom Saver | variable | 50.01–60% | 6.19% | 6.17% |
| Mortgage Choice Freedom Flex Bundle | variable | 60.01–70% | 6.24% | 6.21% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 60.01–70% | 6.24% | 6.50% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 60.01–70% | 6.24% | 6.26% |
| Mortgage Choice Freedom Saver | variable | 60.01–70% | 6.24% | 6.21% |
| Mortgage Choice Freedom Flex Bundle | variable | 70.01–80% | 6.29% | 6.25% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 70.01–80% | 6.29% | 6.55% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 70.01–80% | 6.29% | 6.31% |
| Mortgage Choice Freedom Saver | variable | 70.01–80% | 6.29% | 6.25% |
| Mortgage Choice Freedom Flex | variable | 0–50% | 6.29% | 6.29% |
| Mortgage Choice Freedom Flex | variable | 50.01–60% | 6.34% | 6.32% |
| Mortgage Choice Freedom Flex | variable | 60.01–70% | 6.39% | 6.36% |
| Mortgage Choice Freedom Flex | variable | 70.01–80% | 6.44% | 6.40% |
| Mortgage Choice Freedom Fixed | fixed 1y | 0–50% | 6.69% | 6.20% |
| Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) | variable | 80.01–85% | 6.74% | 6.79% |
| Mortgage Choice Freedom Fixed | fixed 1y | 50.01–60% | 6.74% | 6.23% |
| Mortgage Choice Freedom Fixed | fixed 2y | 0–50% | 6.74% | 6.26% |
| Mortgage Choice Freedom Fixed | fixed 1y | 60.01–70% | 6.79% | 6.26% |
| Mortgage Choice Freedom Fixed | fixed 2y | 50.01–60% | 6.79% | 6.29% |
| Mortgage Choice Freedom Fixed | fixed 3y | 0–50% | 6.79% | 6.33% |
| Mortgage Choice Freedom Fixed | fixed 1y | 70.01–80% | 6.84% | 6.30% |
| Mortgage Choice Freedom Fixed | fixed 2y | 60.01–70% | 6.84% | 6.33% |
| Mortgage Choice Freedom Fixed | fixed 3y | 50.01–60% | 6.84% | 6.36% |
| Mortgage Choice Freedom Fixed | fixed 2y | 70.01–80% | 6.89% | 6.37% |
| Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) | variable | 80.01–85% | 6.94% | 6.99% |
Owner-occupied, interest only
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Mortgage Choice Freedom Prime Bundle (With Offset) | variable | 0–50% | 6.24% | 6.34% |
| Mortgage Choice Freedom Prime Bundle (With Offset) | variable | 50.01–60% | 6.24% | 6.36% |
| Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | 0–50% | 6.24% | 6.12% |
| Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | 50.01–60% | 6.24% | 6.15% |
| Mortgage Choice Freedom Prime Bundle (With Offset) | variable | 60.01–70% | 6.29% | 6.43% |
| Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | 60.01–70% | 6.29% | 6.20% |
| Mortgage Choice Freedom Prime Bundle (With Offset) | variable | 70.01–80% | 6.34% | 6.46% |
| Mortgage Choice Freedom Prime Bundle (Without Offset) | variable | 70.01–80% | 6.34% | 6.25% |
| Mortgage Choice Freedom Flex Bundle | variable | 0–50% | 6.39% | 6.25% |
| Mortgage Choice Freedom Flex Bundle | variable | 50.01–60% | 6.39% | 6.26% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 0–50% | 6.39% | 6.49% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 50.01–60% | 6.39% | 6.51% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 0–50% | 6.39% | 6.27% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 50.01–60% | 6.39% | 6.30% |
| Mortgage Choice Freedom Saver | variable | 0–50% | 6.39% | 6.25% |
| Mortgage Choice Freedom Saver | variable | 50.01–60% | 6.39% | 6.26% |
| Mortgage Choice Freedom Flex Bundle | variable | 60.01–70% | 6.44% | 6.30% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 60.01–70% | 6.44% | 6.57% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 60.01–70% | 6.44% | 6.35% |
| Mortgage Choice Freedom Saver | variable | 60.01–70% | 6.44% | 6.30% |
| Mortgage Choice Freedom Flex Bundle | variable | 70.01–80% | 6.49% | 6.35% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 70.01–80% | 6.49% | 6.61% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 70.01–80% | 6.49% | 6.40% |
| Mortgage Choice Freedom Saver | variable | 70.01–80% | 6.49% | 6.35% |
| Mortgage Choice Freedom Flex | variable | 0–50% | 6.54% | 6.40% |
| Mortgage Choice Freedom Flex | variable | 50.01–60% | 6.54% | 6.41% |
| Mortgage Choice Freedom Flex | variable | 60.01–70% | 6.59% | 6.45% |
| Mortgage Choice Freedom Flex | variable | 70.01–80% | 6.64% | 6.50% |
| Mortgage Choice Freedom Fixed | fixed 1y | 0–50% | 6.94% | 6.22% |
| Mortgage Choice Freedom Fixed | fixed 1y | 50.01–60% | 6.94% | 6.25% |
| Mortgage Choice Freedom Fixed | fixed 1y | 60.01–70% | 6.94% | 6.28% |
| Mortgage Choice Freedom Fixed | fixed 1y | 70.01–80% | 6.94% | 6.32% |
| Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) | variable | 80.01–85% | 6.99% | 6.90% |
| Mortgage Choice Freedom Fixed | fixed 2y | 0–50% | 6.99% | 6.31% |
| Mortgage Choice Freedom Fixed | fixed 2y | 50.01–60% | 6.99% | 6.33% |
| Mortgage Choice Freedom Fixed | fixed 2y | 60.01–70% | 6.99% | 6.36% |
| Mortgage Choice Freedom Fixed | fixed 2y | 70.01–80% | 6.99% | 6.39% |
| Mortgage Choice Freedom Fixed | fixed 3y | 0–50% | 7.04% | 6.39% |
| Mortgage Choice Freedom Fixed | fixed 3y | 50.01–60% | 7.04% | 6.41% |
| Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) | variable | 80.01–85% | 7.19% | 7.10% |
Investment, principal and interest
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Mortgage Choice Freedom Prime (With Offset) | variable | 0–50% | 6.19% | 6.45% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 0–50% | 6.19% | 6.21% |
| Mortgage Choice Freedom Saver | variable | 0–50% | 6.19% | 6.19% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 50.01–60% | 6.24% | 6.50% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 50.01–60% | 6.24% | 6.26% |
| Mortgage Choice Freedom Saver | variable | 50.01–60% | 6.24% | 6.22% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 60.01–70% | 6.29% | 6.55% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 60.01–70% | 6.29% | 6.31% |
| Mortgage Choice Freedom Saver | variable | 60.01–70% | 6.29% | 6.26% |
| Mortgage Choice Freedom Flex | variable | 0–50% | 6.34% | 6.34% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 70.01–80% | 6.34% | 6.60% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 70.01–80% | 6.34% | 6.36% |
| Mortgage Choice Freedom Saver | variable | 70.01–80% | 6.34% | 6.30% |
| Mortgage Choice Freedom Flex | variable | 50.01–60% | 6.39% | 6.37% |
| Mortgage Choice Freedom Flex | variable | 60.01–70% | 6.44% | 6.41% |
| Mortgage Choice Freedom Flex | variable | 70.01–80% | 6.49% | 6.45% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 0–50% | 6.54% | 6.64% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 50.01–60% | 6.59% | 6.69% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 60.01–70% | 6.64% | 6.74% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 70.01–80% | 6.69% | 6.79% |
| Mortgage Choice Freedom Fixed | fixed 1y | 0–50% | 6.79% | 6.25% |
| Mortgage Choice Freedom Fixed | fixed 1y | 50.01–60% | 6.84% | 6.28% |
| Mortgage Choice Freedom Fixed | fixed 2y | 0–50% | 6.84% | 6.32% |
| Mortgage Choice Freedom Fixed | fixed 1y | 60.01–70% | 6.89% | 6.32% |
| Mortgage Choice Freedom Fixed | fixed 2y | 50.01–60% | 6.89% | 6.35% |
| Mortgage Choice Freedom Fixed | fixed 3y | 0–50% | 6.89% | 6.39% |
| Mortgage Choice Freedom Fixed | fixed 2y | 60.01–70% | 6.94% | 6.39% |
| Mortgage Choice Freedom Fixed | fixed 3y | 50.01–60% | 6.94% | 6.42% |
| Mortgage Choice Freedom Fixed | fixed 1y | 70.01–80% | 6.99% | 6.36% |
| Mortgage Choice Freedom Fixed | fixed 3y | 60.01–70% | 6.99% | 6.46% |
| Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) | variable | 80.01–85% | 6.99% | 7.04% |
| Mortgage Choice Freedom Fixed | fixed 2y | 70.01–80% | 7.04% | 6.44% |
| Mortgage Choice Freedom Fixed | fixed 3y | 70.01–80% | 7.09% | 6.51% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 80.01–85% | 7.14% | 7.24% |
| Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) | variable | 80.01–85% | 7.19% | 7.24% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 80.01–85% | 7.34% | 7.44% |
Investment, interest only
| Product | Type | LVR | Rate | Comparison |
|---|---|---|---|---|
| Mortgage Choice Freedom Prime (With Offset) | variable | 0–50% | 6.34% | 6.49% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 0–50% | 6.34% | 6.28% |
| Mortgage Choice Freedom Saver | variable | 0–50% | 6.34% | 6.25% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 50.01–60% | 6.39% | 6.54% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 50.01–60% | 6.39% | 6.33% |
| Mortgage Choice Freedom Saver | variable | 50.01–60% | 6.39% | 6.29% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 60.01–70% | 6.44% | 6.59% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 60.01–70% | 6.44% | 6.38% |
| Mortgage Choice Freedom Saver | variable | 60.01–70% | 6.44% | 6.33% |
| Mortgage Choice Freedom Flex | variable | 0–50% | 6.49% | 6.40% |
| Mortgage Choice Freedom Prime (With Offset) | variable | 70.01–80% | 6.49% | 6.64% |
| Mortgage Choice Freedom Prime (Without Offset) | variable | 70.01–80% | 6.49% | 6.43% |
| Mortgage Choice Freedom Saver | variable | 70.01–80% | 6.49% | 6.37% |
| Mortgage Choice Freedom Flex | variable | 50.01–60% | 6.54% | 6.44% |
| Mortgage Choice Freedom Flex | variable | 60.01–70% | 6.59% | 6.48% |
| Mortgage Choice Freedom Flex | variable | 70.01–80% | 6.64% | 6.53% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 0–50% | 6.64% | 6.67% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 50.01–60% | 6.69% | 6.72% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 60.01–70% | 6.74% | 6.78% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 70.01–80% | 6.79% | 6.82% |
| Mortgage Choice Freedom Fixed | fixed 1y | 0–50% | 6.94% | 6.27% |
| Mortgage Choice Freedom Fixed | fixed 1y | 50.01–60% | 6.94% | 6.29% |
| Mortgage Choice Freedom Fixed | fixed 1y | 60.01–70% | 6.99% | 6.33% |
| Mortgage Choice Freedom Fixed | fixed 2y | 50.01–60% | 6.99% | 6.37% |
| Mortgage Choice Freedom Fixed | fixed 2y | 0–50% | 6.99% | 6.35% |
| Mortgage Choice Freedom Fixed | fixed 1y | 70.01–80% | 7.04% | 6.37% |
| Mortgage Choice Freedom Fixed | fixed 2y | 60.01–70% | 7.04% | 6.41% |
| Mortgage Choice Freedom Fixed | fixed 3y | 50.01–60% | 7.04% | 6.45% |
| Mortgage Choice Freedom Fixed | fixed 3y | 0–50% | 7.04% | 6.43% |
| Mortgage Choice Freedom Fixed | fixed 2y | 70.01–80% | 7.09% | 6.45% |
| Mortgage Choice Freedom Fixed | fixed 3y | 60.01–70% | 7.09% | 6.49% |
| Mortgage Choice Freedom Fixed | fixed 3y | 70.01–80% | 7.14% | 6.53% |
| Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) | variable | 80.01–85% | 7.14% | 7.11% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 80.01–85% | 7.29% | 7.30% |
| Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc) | variable | 80.01–85% | 7.34% | 7.31% |
| Mortgage Choice Freedom Tailored Plus Full Doc | variable | 80.01–85% | 7.49% | 7.50% |
Left out of the figures above
| Product | Why it is out | Rate |
|---|---|---|
| Mortgage Choice Freedom Tailored Self-Employed Lite Doc | Eligibility | 6.74% |
| Mortgage Choice Freedom Tailored Plus Lite Doc | Eligibility | 6.94% |
| Mortgage Choice Freedom Move with No End Debt | Eligibility | 8.44% |
| Mortgage Choice Freedom Move with End Debt | Eligibility | 9.14% |
What changed
Mortgage Choice Freedom last moved a rate line on Monday 31 August. Every line is read each morning and has come back the same since.
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
Mortgage Choice Freedom publishes these rates itself, under the Consumer Data Right. Nobody here types them in and nothing here can correct them at the source — if the feed is wrong, every comparison site reading it is wrong in the same way. Reports about a data holder's feed go to the Consumer Data Right, and published-data quality is on the ACCC's enforcement list.
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: Saturday 12 September Rate lines published at that time: 368 What appears to be wrong: [describe what you checked, and what the published data says] This data is published under the Product Reference Data standard and is available publicly, without authentication or a consumer consent.
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. Same place. The data behind every page here is free to download if you would rather check it yourself first.
Free, and not advice. It knows only what the lender publishes, not what you could negotiate. A licensed broker does this for a living. What this site collects.
Building something with this? There is an API, and the data is free.
Found in the data: what lenders charge above 80% and the rate a fixed loan resets to.