Mortgage Choice Freedom Tailored Self-Employed Lite Doc
Home LoansNegotiable rates
Variable-rate home loan for self-employed borrowers using alternative income documentation (accountant letter, BAS statements, or business bank statements). Up to 80% LVR.
- From (owner occupied)
- 6.79%
- 6.87% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.79% | 6.87% | LVR ≤50% |
| Variable | 6.84% | 6.92% | LVR ≤60% |
| Variable | 6.89% | 6.97% | LVR ≤70% |
| Variable | 6.94% | 7.02% | LVR ≤80% |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 6.99% | 6.95% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee 0.50% of loan amount, plus an additional 0.25% if loan amount is greater than $2,000,000 | Upfront | 0.5% of balance |
| 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
- Employment status — Self-employedSelf-employed borrowers with minimum 2 years in business
- Lending criteria and T&Cs apply
Constraints
- Minimum limit — $100,000.00Minimum loan amount $100,000
- Maximum limit — $2,500,000.00Maximum loan amount $2,500,000
- Maximum LVR — 80%Maximum LVR 80%
More Information
Published by Mortgage Choice Freedom under the Consumer Data Right · Last updated 26 June 2026 · Product ID mcf-tailored-selfemp-litedoc