Mortgage Choice Freedom
Mortgage Choice Freedom Prime Bundle (Without Offset)
Mortgage Choice Freedom · residential mortgages
Provider last updated this product 2026-09-11.
Go to provider
You'll complete your application on
Mortgage Choice Freedom's website. Confirm the rate and fees with them
before applying.
Rate discount applied when an Owner-Occupied Prime is held alongside an Investor Prime. Combines Prime variable-rate features.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 5.99% | 6.01% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR up to 50% | calculated daily, paid monthly |
| VARIABLE | 6.04% | 6.06% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 50% - 60% | calculated daily, paid monthly |
| VARIABLE | 6.09% | 6.11% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 60% - 70% | calculated daily, paid monthly |
| VARIABLE | 6.14% | 6.16% | OWNER OCCUPIED | PRINCIPAL AND INTEREST | - | LVR 70% - 80% | calculated daily, paid monthly |
| VARIABLE | 6.24% | 6.12% | OWNER OCCUPIED | INTEREST ONLY | - | LVR up to 50% | calculated daily, paid monthly |
| VARIABLE | 6.24% | 6.15% | OWNER OCCUPIED | INTEREST ONLY | - | LVR 50% - 60% | calculated daily, paid monthly |
| VARIABLE | 6.29% | 6.20% | OWNER OCCUPIED | INTEREST ONLY | - | LVR 60% - 70% | calculated daily, paid monthly |
| VARIABLE | 6.34% | 6.25% | OWNER OCCUPIED | INTEREST ONLY | - | LVR 70% - 80% | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Application Fee | UPFRONT | $0 | - |
| Valuation Fee | UPFRONT | $0 | - |
| Settlement Fee | UPFRONT | $330 | - |
| Split Loan Fee | TRANSACTION | $0 | - |
| Discharge Fee | EXIT | $499 | - |
| Ongoing Fee | PERIODIC | $0 | - |
| Redraw Fee | TRANSACTION | $0 | - |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 5.99% | 6.01% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- natural person
- min age - 18Minimum age 18 years
- residency status - Australian citizen or permanent resident
- otherLending criteria and T&Cs apply
Limits
- min limit - 100000.00Minimum loan amount $100,000
- max limit - 3000000.00Maximum loan amount $3,000,000
- max lvr - 0.80Maximum LVR 80%
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-11T03:00:18.899Z · Product ID: mcf-prime-bundle-without-offset