Mortgage Choice Freedom Tailored 80-85% LVR No LMI (Full Doc)
Home LoansNegotiable ratesMortgage Choice Freedom
Full-documentation home loan at 80-85% LVR with no Lenders Mortgage Insurance. Available to PAYG and self-employed borrowers in stronger financial positions.
- From (owner occupied)
- 6.84%
- 6.89% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.84% | 6.89% | LVR ≤85%Loan ≤$2m |
| Variable | 7.04% | 7.09% | LVR ≤85%Loan >$2m |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.09% | 7% | LVR ≤85%Loan ≤$2m |
| Variable | 7.29% | 7.2% | LVR ≤85%Loan >$2m |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $395.00 |
| Valuation Fee First $200 free, then charged at cost | Upfront | Variable |
| Settlement Fee | Upfront | $330.00 |
| Offset Account Fee | Ongoing | $0.00 |
| Split Loan Fee | Transaction | $0.00 |
| Discharge Fee | Exit | $599.00 |
| Ongoing Fee | Ongoing | $0.00 |
| Redraw Fee | Transaction | $0.00 |
Features
- Digital banking
- Online and mobile account management
- Redraw facility
- Free redraw facility
- Offset account
- 100% multi-offset across up to 10 linked sub-accounts
- Extra repayments
- Unlimited extra repayments
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
- Minimum LVR — 80%Minimum LVR 80%
- Maximum LVR — 85%Maximum LVR 85%
More Information
Published by Athena Home Loans under the Consumer Data Right · Last updated 26 June 2026 · Product ID mcf-tailored-80-85-no-lmi · View Source Data (JSON)