---
title: "Mortgage Choice Freedom Flex — 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-flex
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-19T00:00:00.000Z
---

# Mortgage Choice Freedom Flex — 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**

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.

## At a glance

- **From (owner occupied):** 6.29% (6.29% 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 |
| --- | --- | --- | --- |
| 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% | LVR ≤50% |
| Variable | 6.54% | 6.41% | LVR ≤60% |
| Variable | 6.59% | 6.45% | LVR ≤70% |
| Variable | 6.64% | 6.5% | LVR ≤80% |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.34% | 6.34% | LVR ≤50% |
| Variable | 6.39% | 6.37% | LVR ≤60% |
| Variable | 6.44% | 6.41% | LVR ≤70% |
| Variable | 6.49% | 6.45% | LVR ≤80% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.49% | 6.4% | LVR ≤50% |
| Variable | 6.54% | 6.44% | LVR ≤60% |
| Variable | 6.59% | 6.48% | LVR ≤70% |
| Variable | 6.64% | 6.53% | LVR ≤80% |

## 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 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-flex`
- Last updated by the provider: 19 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-choice-freedom/mcf-flex
- Provider page: https://www.cdrcompare.au/brands/mortgage-choice-freedom

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-choice-freedom/products/mcf-flex) — 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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