Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | < 60% | $50,000 | $2,000,000 |
|
Owner Occupier | Principal & Interest | < 70% | $50,000 | $2,000,000 |
|
Owner Occupier | Principal & Interest | 70%-80% | $50,000 | $2,000,000 |
|
Owner Occupier | Principal & Interest | 80%-90% | $50,000 | $2,000,000 |
|
Owner Occupier | Principal & Interest | 90%-95% | $50,000 | $2,000,000 |
|
Owner Occupier | Interest Only | < 60% | $50,000 | $2,000,000 |
|
Owner Occupier | Interest Only | < 70% | $50,000 | $2,000,000 |
|
Owner Occupier | Interest Only | 70%-80% | $50,000 | $2,000,000 |
|
Owner Occupier | Interest Only | 80%-90% | $50,000 | $2,000,000 |
|
Investor | Principal & Interest | < 60% | $50,000 | $2,000,000 |
|
Investor | Principal & Interest | < 70% | $50,000 | $2,000,000 |
|
Investor | Principal & Interest | 70%-80% | $50,000 | $2,000,000 |
|
Investor | Principal & Interest | 80%-90% | $50,000 | $2,000,000 |
|
Investor | Interest Only | < 60% | $50,000 | $2,000,000 |
|
Investor | Interest Only | < 70% | $50,000 | $2,000,000 |
|
Investor | Interest Only | 70%-80% | $50,000 | $2,000,000 |
|
Investor | Interest Only | 80%-90% | $50,000 | $2,000,000 |
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 at 6.60% p.a. (5.98% p.a. comparison rate*) for 60% LVR.
The FreedomLend Fixed Home Loan is available to owner occupiers and investors who are borrowing between $50,000 and $2,000,000. For borrowers with a 40% deposit you’ll have the choice of fixing your loan between 1 and 5 years. The one year fixed term starts at 6.85% p.a. (6.23% p.a. comparison rate*).
Investors making principal and interest repayments will be looking at rates starting at 7.25% p.a. (6.72% p.a. comparison rate*) for one year fixed term.
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's also no offset account, so you won't be able to make your savings work to drive down interest on this loan.
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 after FreedomLend's headline rate, you'll need a deposit of at least 40% of the property value, which may be out of some buyers' budgets.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.85% (6.23%*) |
|
6.85% (6.30%*) |
|
6.85% (6.36%*) |
|
6.85% (6.42%*) |
|
6.85% (6.47%*) |
|
n/a |
|
n/a |
|
6.15% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
none |
|
60.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.95% (6.33%*) |
|
6.95% (6.40%*) |
|
6.95% (6.46%*) |
|
6.95% (6.52%*) |
|
6.95% (6.57%*) |
|
n/a |
|
n/a |
|
6.25% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.05% (6.43%*) |
|
7.05% (6.50%*) |
|
7.05% (6.56%*) |
|
7.05% (6.62%*) |
|
7.05% (6.67%*) |
|
n/a |
|
n/a |
|
6.35% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.85% (7.32%*) |
|
7.85% (7.38%*) |
|
7.85% (7.44%*) |
|
7.85% (7.49%*) |
|
7.85% (7.53%*) |
|
n/a |
|
n/a |
|
7.25% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.85% (7.32%*) |
|
7.85% (7.38%*) |
|
7.85% (7.44%*) |
|
7.85% (7.49%*) |
|
7.85% (7.53%*) |
|
n/a |
|
n/a |
|
7.25% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
90.00% |
|
95.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.25% (7.79%*) |
|
7.25% (7.73%*) |
|
7.25% (7.68%*) |
|
7.25% (7.63%*) |
|
7.25% (7.59%*) |
|
n/a |
|
n/a |
|
7.85% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
none |
|
60.00% |
Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.35% (7.89%*) |
|
7.35% (7.83%*) |
|
7.35% (7.78%*) |
|
7.35% (7.73%*) |
|
7.35% (7.68%*) |
|
n/a |
|
n/a |
|
7.95% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
none |
|
70.00% |
Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.45% (7.99%*) |
|
7.45% (7.93%*) |
|
7.45% (7.88%*) |
|
7.45% (7.83%*) |
|
7.45% (7.78%*) |
|
n/a |
|
n/a |
|
8.05% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
70.00% |
|
80.00% |
Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
8.25% (8.79%*) |
|
8.25% (8.73%*) |
|
8.25% (8.67%*) |
|
8.25% (8.62%*) |
|
8.25% (8.57%*) |
|
n/a |
|
n/a |
|
8.85% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
80.00% |
|
90.00% |
Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.25% (6.72%*) |
|
7.25% (6.78%*) |
|
7.25% (6.84%*) |
|
7.25% (6.88%*) |
|
7.25% (6.93%*) |
|
n/a |
|
n/a |
|
6.65% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
none |
|
60.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.35% (6.82%*) |
|
7.35% (6.88%*) |
|
7.35% (6.94%*) |
|
7.35% (6.98%*) |
|
7.35% (7.03%*) |
|
n/a |
|
n/a |
|
6.75% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.45% (6.92%*) |
|
7.45% (6.98%*) |
|
7.45% (7.04%*) |
|
7.45% (7.09%*) |
|
7.45% (7.13%*) |
|
n/a |
|
n/a |
|
6.85% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
8.25% (7.72%*) |
|
8.25% (7.78%*) |
|
8.25% (7.84%*) |
|
8.25% (7.89%*) |
|
8.25% (7.94%*) |
|
n/a |
|
n/a |
|
7.65% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.65% (8.19%*) |
|
7.65% (8.13%*) |
|
7.65% (8.08%*) |
|
7.65% (8.03%*) |
|
7.65% (7.98%*) |
|
n/a |
|
n/a |
|
8.25% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
none |
|
60.00% |
Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.75% (8.29%*) |
|
7.75% (8.23%*) |
|
7.75% (8.17%*) |
|
7.75% (8.13%*) |
|
7.75% (8.08%*) |
|
n/a |
|
n/a |
|
8.35% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
none |
|
70.00% |
Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.85% (8.39%*) |
|
7.85% (8.33%*) |
|
7.85% (8.27%*) |
|
7.85% (8.22%*) |
|
7.85% (8.18%*) |
|
n/a |
|
n/a |
|
8.45% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
70.00% |
|
80.00% |
Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
8.65% (9.19%*) |
|
8.65% (9.12%*) |
|
8.65% (9.07%*) |
|
8.65% (9.02%*) |
|
8.65% (8.97%*) |
|
n/a |
|
n/a |
|
9.25% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,000,000 |
|
80.00% |
|
90.00% |
Monthly |
|
yes - free up to $20,000 p.a. |
|
no |
|
no |
|
none |
|
yes |
|
no |
|
$385 Application fee, $154 (or at cost) Valuation Fee and a $330 (or at cost) Legal fee apply to loans under $350,000. 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.
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Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Offset Home Loan (Package)
6.15% p.a. variable
6.40% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Offset Home Loan (Package)
6.15% p.a.
6.40% p.a.
Basic Home Loan
6.15% p.a.
6.17% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Basic Home Loan (Fixed)
6.09% p.a.
fixed 3 years
6.19% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
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.