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 | $2,500,000 |
|
Owner Occupier | Principal & Interest | < 70% | $50,000 | $2,500,000 |
|
Owner Occupier | Principal & Interest | 80%-90% | $50,000 | $2,500,000 |
|
Owner Occupier | Principal & Interest | 70%-80% | $50,000 | $2,500,000 |
|
Owner Occupier | Principal & Interest | 90%-95% | $50,000 | $2,500,000 |
|
Owner Occupier | Interest Only | < 60% | $50,000 | $2,500,000 |
|
Owner Occupier | Interest Only | 70%-80% | $50,000 | $2,500,000 |
|
Owner Occupier | Interest Only | 60%-70% | $50,000 | $2,500,000 |
|
Owner Occupier | Interest Only | 80%-90% | $50,000 | $2,500,000 |
|
Investor | Principal & Interest | < 60% | $50,000 | $2,500,000 |
|
Investor | Principal & Interest | < 70% | $50,000 | $2,500,000 |
|
Investor | Principal & Interest | < 80% | $50,000 | $2,500,000 |
|
Investor | Principal & Interest | 80%-90% | $50,000 | $2,500,000 |
|
Investor | Interest Only | < 60% | $50,000 | $2,500,000 |
|
Investor | Interest Only | < 70% | $50,000 | $2,500,000 |
|
Investor | Interest Only | 70%-80% | $50,000 | $2,500,000 |
|
Investor | Interest Only | 80%-90% | $50,000 | $2,500,000 |
No, it isn’t a glitch. It’s true. The FreedomLend Variable Home Loan seriously doesn’t charge any fees on its loans and it comes with variable interest rates starting competitively low at 6.15% p.a. (6.18% p.a. comparison rate*) with a 60% LVR. Plus this loan also comes with an offset account option, unlimited free extra repayments and free redraw facility.
The FreedomLend Variable Home Loan offers a competitive variable rate for owner-occupiers starting at just 6.15% p.a. (6.18% p.a. comparison rate*), available for loans between $50,000 and $2,500,000 with a 60% LVR.
Plus there are heaps of different rate tiers on offer with this loan and your loan to value ratio, how much you’re borrowing and the type of borrower you are will define the rate you’ll be charged.
Another great money-saving feature of the FreedomLend Variable Home Loan is there are no application, service, valuation and settlement fees.
And just because this is a low-rate loan, doesn’t mean you won’t get any extras. The FreedomLend Variable Home Loan comes with plenty of flexible features to help you save, such as an offset account, free extra repayments and a free redraw facility, so you’ll be able to pay your loan off as fast as you want. You’ll also get a pick of either weekly, fortnightly or monthly loan repayments, and the choice of splitting your loan between fixed and variable rates.
There are tonnes of flexible options available when it comes to LVRs and loan amounts and all at really competitive low rates, with great features to boot. So the FreedomLend Variable Home Loan really is a great loan for just about any borrower.
Just bear in mind that if you want to snatch up FreedomLend's lower rate of 6.15% p.a. (6.18% p.a. comparison rate*), you'll need to put down at least a 40% deposit.
6.15% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.18% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
none |
|
60.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
6.25% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.26% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
none |
|
70.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
7.25% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.26% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
80.00% |
|
90.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
6.35% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.36% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
70.00% |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
7.25% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.26% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
90.00% |
|
95.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
6.55% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.56% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
none |
|
60.00% |
Owner Occupier |
|
Interest Only |
|
Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
6.75% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.76% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
70.00% |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
6.65% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.66% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
60.00% |
|
70.00% |
Owner Occupier |
|
Interest Only |
|
Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
7.65% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.66% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
80.00% |
|
90.00% |
Owner Occupier |
|
Interest Only |
|
Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
6.65% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.66% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
none |
|
60.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
6.75% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.76% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
none |
|
70.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
6.85% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.86% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
none |
|
80.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
7.65% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.66% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
80.00% |
|
90.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
7.05% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.06% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
none |
|
60.00% |
Investor |
|
Interest Only |
|
Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
7.15% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.16% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
none |
|
70.00% |
Investor |
|
Interest Only |
|
Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
7.25% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.26% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
70.00% |
|
80.00% |
Investor |
|
Interest Only |
|
Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
8.05% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
8.06% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$0.00 |
|
$795.00 |
$50,000 |
|
$2,500,000 |
|
80.00% |
|
90.00% |
Investor |
|
Interest Only |
|
Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
$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.
Elevate
6.09% p.a. variable
6.20% p.a.
Elevate
6.09% p.a.
6.20% 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.
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
Elevate
6.09% p.a.
6.20% p.a.
$0.00
First Home Buyer Loan
5.90% p.a.
5.93% p.a.
$0.00
Basic Variable Home Loan
5.94% p.a.
5.99% p.a.
$0.00
First Home Buyer Advantage Plus Home Loan
5.99% p.a.
6.76% p.a.
$0.00
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.