Mortgage Choice Freedom home loans
Mortgage Choice Freedom Saver and Flex features
Automatic rate match
You’ll never pay a higher rate than a new customer on a like-for-like variable loan.¹
No fees
There are no lender fees of any description.²
Drop your rate
As you pay off your loan and drop to the next LVR tier on an applicable variable loan, your interest rate tier will also drop.
Need more options?
Need more options? We also offer Freedom Fixed, and Tailored solutions for extra borrowing with no LMI or extra flexibility with alternative income documentation
About Mortgage Choice Freedom home loans
Mortgage Choice Freedom Saver
Our competitive variable rate home loan – offering the ability to make unlimited extra repayments and fee-free redraws.
Rate Match
Drop your rate
No fees
Redraw facility
Offset account
Split loans
Additional repayments
Loan size (minimum - maximum)
$100,000 - $2,000,000
Rate type
Variable
Loan purpose
Owner or investor
Repayment type
Principal and interest
Interest only
Interest only 1 - 5 years
Repayment frequency
Monthly, fortnightly, weekly repayment options (principal and interest repayment only)
Application fee
$0
Discharge fee
$0
Account Keeping Fees
$0
Mortgage Choice Freedom Flex
Offers increased flexibility for those who want more features, like the ability to split your home loan or use an offset account.
Rate Match
Drop your rate
No fees
Redraw facility
Offset account
Split loans (Max 10 splits, min $10k per split)
Additional repayments
Loan size (minimum - maximum)
$100,000 - $2,000,000
Rate type
Variable
Loan purpose
Owner or investor
Repayment type
Principal and interest
Interest only
Interest only 1 - 5 years
Repayment frequency
Monthly, fortnightly, weekly repayment options (principal and interest repayment only)
Application fee
$0
Discharge fee
$0
Account Keeping Fees
$0
Mortgage Choice Freedom Fixed
If you want certainty of repayments over a set period, you can lock in a fixed interest rate for terms of 1 to 3 years.
Rate Match
Drop your rate
No fees
Redraw facility
Offset account
Split loans (Max 10 splits, min $10k per split)
Additional repayments (5% of the loan balance p.a.)
Loan size (minimum - maximum)
$100,000 - $2,000,000
Rate type
Fixed
Loan purpose
Owner or investor
Repayment type
Principal and interest
Interest only
Interest only 1 - 3 years
Repayment frequency
Monthly, fortnightly, weekly repayment options (principal and interest repayment only)
Application fee
$0
Discharge fee
$0
Account Keeping Fees
$0
Mortgage Choice Freedom Tailored
We'll tailor a solution for you with flexible Self Employed Lite Doc and Low Deposit 80-85% no LMI loans
Rate Match
Drop your rate
No fees
Redraw facility
Offset account
Split loans (Max 10 splits, min $10k per split)
Additional repayments
Loan size (minimum - maximum)
$100,000 - $2,500,000
Rate type
Variable
Loan purpose
Owner or investor
Repayment type
Principal and interest
Interest only
Interest only 1 - 5 years
Repayment frequency
Monthly, fortnightly, weekly repayment options (principle and interest repayment only)
Application fee
From $395
Discharge fee
$599
Account Keeping Fees
$0
Disclaimer
Credit Assistance for Mortgage Choice Freedom products is provided by Mortgage Choice Pty Ltd ACN 009 161 979 (Australian Credit Licence 382869) and Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325) which are both owned by REA Group Limited ACN 068 349 066. Credit for Mortgage Choice Freedom products is provided by Athena Mortgage Pty Ltd ACN 619 536 506 (Australian Credit Licence 502611) who has been licensed to use the trademarks owned by Mortgage Choice. 1. A like-for-like variable loan means that the product as advertised to new customers is the same as the product available to an existing customer. For full details on Automatic Rate Match, please see our Terms & Conditions. Only available on Mortgage Choice Freedom Saver and Flex home loans. 2. Applicable to Mortgage Choice Freedom Saver and Flex home loans. Depending on your situation, you may be charged government fees or fees from third parties. All applications are subject to lender assessment and approval. Terms and conditions apply.
Interested in finding out more?
Chat to your local broker
Your Mortgage Choice broker will compare loans from more than 35 lenders to help you find the solution that’s right for you.
We do the hard work for you
We then do all the hard work for you throughout the application process.
Approvals and setup
And with Mortgage Choice Freedom's fast approval process, you can have your loan underway in no time.
Find a mortgage broker to help you
Looking for a home loan mortgage broker?
Find a local expert in your suburb to help you purchase that dream home now.
Mortgage Choice Freedom app
Managing your home loan is a breeze with the Mortgage Choice Freedom app.
View your loan details and transactions
Make payments instantly
Manage payees
Manage your repayment frequency
Make unlimited additional repayments on variable loans, and extra repayments of up to 5% of your fixed loan balance each year from your loan anniversary
Access with face or fingerprint recognition
Mortgage Choice Freedom is powered by Athena
Mortgage Choice has partnered with Athena Home Loans to bring you the Mortgage Choice Freedom range of products. By combining the expertise of our brokers with Athena’s revolutionary home loan features, we want to help more Australians pay off their home loans sooner and secure their financial future.
Athena is an award-winning and innovative digital lender that has helped more than 12,000 Australians save over $668 million on their home loans (as at March 2023).
Launched in 2019, Athena is backed by some of the biggest names in the industry, including Australian Super, Hostplus, Macquarie Bank and Sunsuper.
Need help? Chat to an expert.
To find out more, speak to a Mortgage Choice broker
For existing Mortgage Choice Freedom customers
Smoother experience as they have all your information.
Better understanding of your financials to provide tailored advice. 
Faster response compared to being matched with a new broker.