The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $1,500,000 with an LVR below 95%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,500,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $50,000 and $1,500,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 70% | $50,000 | $1,500,000 |
| | Owner Occupier | Principal & Interest | < 80% | $50,000 | $1,500,000 |
| | Owner Occupier | Principal & Interest | 80%-95% | $150,000 | $1,500,000 |
| | Owner Occupier | Interest Only | < 80% | $50,000 | $1,500,000 |
| | Owner Occupier | Interest Only | 80%-90% | $50,000 | $1,500,000 |
| | Investor | Principal & Interest | < 80% | $50,000 | $1,500,000 |
| | Investor | Principal & Interest | 80%-90% | $50,000 | $1,500,000 |
| | Investor | Interest Only | < 80% | $50,000 | $1,500,000 |
| | Investor | Interest Only | 80%-90% | $50,000 | $1,500,000 |
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $50,000 $1,500,000
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $50,000 $1,500,000
Owner Occupier (Principal & Interest)
LVR 80%-95%
Loan: $150,000 $1,500,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $50,000 $1,500,000
Owner Occupier (Interest Only)
LVR 80%-90%
Loan: $50,000 $1,500,000
Investor (Principal & Interest)
LVR < 80%
Loan: $50,000 $1,500,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $50,000 $1,500,000
Investor (Interest Only)
LVR < 80%
Loan: $50,000 $1,500,000
Investor (Interest Only)
LVR 80%-90%
Loan: $50,000 $1,500,000
If you prefer more certainty when it comes to repayments, the Freedom Lend Fixed Home Loan could be worth a look. No matter the size of your deposit, fixed terms range between one and five years, with rates starting as low as 1.99% p.a. (2.36% p.a. comparison rate*).
The FreedomLend Fixed Home Loan is available to owner occupiers and investors who are borrowing between $50,000 and $1,500,000. For borrowers with a 30% deposit you’ll have the choice of fixing your loan between 1 and 5 years, with interest rates for three year terms starting at 1.99% p.a. (2.36% p.a. comparison rate*). If you have a smaller deposit interest rates on the two year term will start at 2.31% p.a. (2.38% p.a. comparison rate*). Once your fixed term is up, interest rates will revert to 2.39% p.a., which isn’t too steep a hike as far as revert rates go.
Investors making principal and interest repayments will be looking at rates starting at 3.09% p.a. (2.89% p.a. comparison rate*) on three year terms.
You’ll be able to make weekly, fortnightly or monthly repayments, and if you want to pay down your loan faster, you can contribute an extra $10,000 each year without facing any penalties. Unfortunately, there isn’t a redraw facility so you won’t be able to retrieve those extra funds if you decide you want them back.
There are a few fees you’ll need to be aware of, namely the $350 discharge fee. An application, valuation, and legal fee will also apply if your loan amount is less than $350,000.
If you’re after a fixed rate home loan and don’t mind passing up on features like an offset account or redraw facility, FreedomLend’s Fixed Home Loan could suit your needs.
If you’re borrowing less than $350,000, a $385 application fee, $250 valuation fee and a $300 legal fee will apply. A $535 discharge fee will apply regardless of the loan size.
n/a
n/a
n/a
n/a
1.99% (2.43%*)
2.21% (2.36%*)
2.44% (2.41%*)
2.69% (2.49%*)
2.69% (2.51%*)
n/a
n/a
2.39% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$250.00
$50,000
$1,500,000
none
70.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
n/a
n/a
n/a
n/a
1.99% (2.43%*)
2.31% (2.38%*)
2.44% (2.41%*)
2.69% (2.49%*)
2.69% (2.51%*)
n/a
n/a
2.39% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$250.00
$50,000
$1,500,000
none
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
n/a
n/a
n/a
n/a
2.44% (2.40%*)
2.29% (2.38%*)
2.44% (2.41%*)
2.69% (2.49%*)
2.69% (2.51%*)
n/a
n/a
2.39% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$250.00
$150,000
$1,500,000
80.00%
95.00%
Weekly, Fortnightly, Monthly
yes - free up to $10,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
n/a
n/a
n/a
n/a
3.14% (2.47%*)
3.14% (2.53%*)
3.14% (2.59%*)
3.34% (2.71%*)
3.34% (2.77%*)
n/a
n/a
2.39% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$50,000
$1,500,000
none
80.00%
Monthly
yes - free up to $10,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
n/a
n/a
n/a
n/a
3.39% (2.49%*)
3.39% (2.57%*)
3.39% (2.65%*)
3.59% (2.79%*)
3.59% (2.87%*)
n/a
n/a
2.39% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$50,000
$1,500,000
80.00%
90.00%
Monthly
yes - free up to $10,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
n/a
n/a
n/a
n/a
3.09% (2.87%*)
3.09% (2.89%*)
3.09% (2.89%*)
3.29% (3.00%*)
3.29% (3.03%*)
n/a
n/a
2.84% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$50,000
$1,500,000
none
80.00%
Weekly, Fortnightly, Monthly
yes - free up to $6,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
n/a
n/a
n/a
n/a
3.34% (2.89%*)
3.34% (2.94%*)
3.34% (3.14%*)
3.54% (3.08%*)
3.54% (3.13%*)
n/a
n/a
2.84% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$50,000
$1,500,000
80.00%
90.00%
Weekly, Fortnightly, Monthly
yes - free up to $6,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
n/a
n/a
n/a
n/a
3.44% (2.90%*)
3.44% (2.95%*)
3.44% (3.00%*)
3.64% (3.11%*)
3.64% (3.17%*)
n/a
n/a
2.84% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$50,000
$1,500,000
none
80.00%
Monthly
yes - free up to $6,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
n/a
n/a
n/a
n/a
3.69% (2.93%*)
3.69% (3.00%*)
3.69% (3.06%*)
3.89% (3.19%*)
3.89% (3.27%*)
n/a
n/a
2.84% p.a.
$0.00
$0.00
$0.00
$0.00
n/a
$0.00
$350.00
$50,000
$1,500,000
80.00%
90.00%
Monthly
yes - free up to $6,000 p.a
no
no
none
yes
no
$385 Application fee, $250 Valuation Fee and a $300 Legal fee apply to some terms. Loan amount may vary depending on fixed period length and LVR factors.
none
none
This product is not currently reviewed.
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