Thumbnail icon for FreedomLend

FreedomLend Fixed Home Loan

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

  • 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

Fixed 3 year rate
2.44% p.a.
Comparison Rate*
2.41% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate*
2.41% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
2.44% p.a.
Comparison Rate*
2.41% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.14% p.a.
Comparison Rate*
2.59% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.39% p.a.
Comparison Rate*
2.65% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.09% p.a.
Comparison Rate*
2.89% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.34% p.a.
Comparison Rate*
3.14% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.44% p.a.
Comparison Rate*
3.00% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.69% p.a.
Comparison Rate*
3.06% p.a.
Service fee
$0.00
Upfront fee
$0

Mozo editorial review FreedomLend Fixed Home Loan

Last updated: 17 October 2020.

binocular icon
What's hot
  • 1.99% p.a. (2.36% p.a. comparison rate*) one year fixed rate
  • Extra repayments free up to $10,000 per year
  • Option to split account
What's not
  • $299 yearly service fee
  • $250 discharge fee
Mozo snapshot

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*).

key icon
Key features

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.

snapshot
Who is it good for

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.

snapshot
Any catches

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.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $250.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 70.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $250.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 80.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $250.00

Other financial bits
  • $150,000

  • $1,500,000

  • 80.00%

  • 95.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 80.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 80.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • none

  • 80.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 22 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 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.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • n/a

  • $0.00

  • $350.00

Other financial bits
  • $50,000

  • $1,500,000

  • 80.00%

  • 90.00%

Features
  • 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

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

This product is not currently reviewed.

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