---
title: "Mortgage Choice Freedom Fixed — Mortgage Choice Freedom"
description: "Home Loans from Mortgage Choice Freedom. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/mortgage-choice-freedom/products/mcf-fixed
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T03:47:57.469Z
---

# Mortgage Choice Freedom Fixed — Mortgage Choice Freedom

> Home Loans from Mortgage Choice Freedom. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans**

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.

## At a glance

- **From (owner occupied):** 7.19% (6.47% comparison)

## Apply

Applications are handled by the provider: [Apply at Mortgage Choice Freedom](https://mortgagechoice.athena.com.au)

## 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.) | 7.19% | 6.47% | LVR ≤50% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.19% | 6.55% | LVR ≤50% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.19% | 6.62% | LVR ≤50% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.24% | 6.5% | LVR ≤60% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.24% | 6.58% | LVR ≤60% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.24% | 6.65% | LVR ≤60% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.29% | 6.54% | LVR ≤70% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.29% | 6.62% | LVR ≤70% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.29% | 6.69% | LVR ≤70% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.34% | 6.58% | LVR ≤80% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.34% | 6.66% | LVR ≤80% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.34% | 6.73% | LVR ≤80% |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.5% | LVR ≤50% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.53% | LVR ≤60% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.56% | LVR ≤70% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.59% | LVR ≤80% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.6% | LVR ≤50% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.62% | LVR ≤60% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.65% | LVR ≤70% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.68% | LVR ≤80% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.69% | LVR ≤50% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.71% | LVR ≤60% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.74% | LVR ≤70% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.76% | LVR ≤80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.29% | 6.53% | LVR ≤50% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.29% | 6.61% | LVR ≤50% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.29% | 6.69% | LVR ≤50% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.34% | 6.56% | LVR ≤60% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.34% | 6.64% | LVR ≤60% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.34% | 6.72% | LVR ≤60% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.39% | 6.6% | LVR ≤70% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.39% | 6.68% | LVR ≤70% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.39% | 6.76% | LVR ≤70% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.49% | 6.64% | LVR ≤80% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.49% | 6.73% | LVR ≤80% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.49% | 6.81% | LVR ≤80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.54% | LVR ≤50% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.57% | LVR ≤60% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.64% | LVR ≤50% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.66% | LVR ≤60% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.72% | LVR ≤50% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.44% | 6.75% | LVR ≤60% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.49% | 6.61% | LVR ≤70% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.49% | 6.7% | LVR ≤70% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.49% | 6.79% | LVR ≤70% |
| Fixed · 1 year (1 year fixed rate. Reverts to variable rate at end of term.) | 7.54% | 6.65% | LVR ≤80% |
| Fixed · 2 years (2 year fixed rate. Reverts to variable rate at end of term.) | 7.54% | 6.74% | LVR ≤80% |
| Fixed · 3 years (3 year fixed rate. Reverts to variable rate at end of term.) | 7.54% | 6.83% | LVR ≤80% |

## 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 | From $0.00 |

## Features

- **Digital banking** (Online and mobile account management)
- **Extra repayments** (Up to 5% of loan balance per year)

## Eligibility

- **Individuals only**
- **Minimum age** — 18 years (Minimum age 18 years)
- **Residency status** — Australian citizen or permanent resident
- **Lending criteria and T&Cs apply**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan amount $100,000)
- **Maximum limit** — $3,000,000.00 (Maximum loan amount $3,000,000)
- **Maximum LVR** — 80% (Maximum LVR 80%)

## More information from Mortgage Choice Freedom

- [Overview](https://mortgagechoice.athena.com.au/product-factsheet-broker)
- [Terms & conditions](https://mortgagechoice.athena.com.au/access-terms)
- [Eligibility](https://mortgagechoice.athena.com.au/target-market-determination)
- [Fees & pricing](https://mortgagechoice.athena.com.au/product-reference-rates)

## Data provenance

- Published by Mortgage Choice Freedom under the Consumer Data Right
- Product ID: `mcf-fixed`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-choice-freedom/mcf-fixed
- Provider page: https://www.cdrcompare.au/brands/mortgage-choice-freedom

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-choice-freedom/products/mcf-fixed) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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