Mortgage Choice Freedom Fixed
Home LoansMortgage Choice Freedom
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.
- From (owner occupied)
- 6.69%
- 6.2% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year 1 year fixed rate. Reverts to variable rate at end of term. | 6.69% | 6.2% | LVR ≤50% |
| Fixed · 1 year 1 year fixed rate. Reverts to variable rate at end of term. | 6.74% | 6.23% | LVR ≤60% |
| Fixed · 2 years 2 year fixed rate. Reverts to variable rate at end of term. | 6.74% | 6.26% | LVR ≤50% |
| Fixed · 1 year 1 year fixed rate. Reverts to variable rate at end of term. | 6.79% | 6.26% | LVR ≤70% |
| Fixed · 2 years 2 year fixed rate. Reverts to variable rate at end of term. | 6.79% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Valuation Fee | Upfront | $0.00 |
| Ongoing Fee | Ongoing | $0.00 |
| Discharge Fee | Exit | $0.00 |
| Break Cost Break cost may apply if fixed-rate loan is broken or varied before end of fixed term, or if annual extra-repayment limit is exceeded | Exit | Variable |
Features
- Digital banking
- Online and mobile account management
- Extra repayments
- Up to 5% of loan balance per year
Eligibility
- Individuals only
- Minimum age — 18 yearsMinimum age 18 years
- Residency status — Australian citizen or permanent resident
- Lending criteria and T&Cs apply
Constraints
- Minimum limit — $100,000.00Minimum loan amount $100,000
- Maximum limit — $3,000,000.00Maximum loan amount $3,000,000
- Maximum LVR — 80%Maximum LVR 80%
More Information
Published by Athena Home Loans under the Consumer Data Right · Last updated 19 May 2026 · Product ID mcf-fixed