Mortgage Choice Freedom Flex
Home LoansMortgage Choice Freedom
Variable-rate home loan with 100% offset (up to 10 sub-accounts), free redraw, and split-loan capability. Includes Drop Your Rate automatic rate reductions as LVR drops, and Automatic Rate Match for existing customers.
- From (owner occupied)
- 6.29%
- 6.29% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.29% | 6.29% | LVR ≤50% |
| Variable | 6.34% | 6.32% | LVR ≤60% |
| Variable | 6.39% | 6.36% | LVR ≤70% |
| Variable | 6.44% | 6.4% | LVR ≤80% |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.54% | 6.4% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Valuation Fee | Upfront | $0.00 |
| Split Loan Fee | Transaction | $0.00 |
| Ongoing Fee | Ongoing | $0.00 |
| Discharge Fee | Exit | $0.00 |
| Redraw Fee | Transaction | $0.00 |
| Offset Account Fee | Ongoing | $0.00 |
Features
- Digital banking
- Online and mobile account management
- Offset account
- 100% multi-offset across up to 10 linked sub-accounts
- Redraw facility
- Free redraw facility
- Extra repayments
- Unlimited extra repayments
- Drop Your Rate — automatic rate reduction as LVR drops to next tier
- Automatic Rate Match — existing customers receive the same rate as new customers on a like-for-like variable loan
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-flex