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FreedomLend Variable Home Loan

Advertiser disclosure

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,750,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,750,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $1,750,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $175,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,750,000 with an LVR below 70%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,750,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,750,000 with an LVR below 95%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,750,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,750,000 with an LVR below 70%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,750,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $50,000 and $1,750,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,750,000 with an LVR below 70%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,750,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $50,000 and $1,750,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $1,750,000 with an LVR below 60%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $50,000 $1,750,000

  • Owner Occupier (Principal & Interest)

    LVR 70%-80%

    Loan: $50,000 $1,750,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $50,000 $1,750,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $50,000 $175,000

  • Owner Occupier (Interest Only)

    LVR 60%-70%

    Loan: $50,000 $1,750,000

  • Owner Occupier (Interest Only)

    LVR 70%-80%

    Loan: $50,000 $1,750,000

  • Owner Occupier (Interest Only)

    LVR 90%-95%

    Loan: $50,000 $1,750,000

  • Owner Occupier (Interest Only)

    LVR 80%-90%

    Loan: $50,000 $1,750,000

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $50,000 $1,750,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $1,750,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $50,000 $1,750,000

  • Investor (Interest Only)

    LVR < 70%

    Loan: $50,000 $1,750,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $50,000 $1,750,000

  • Investor (Interest Only)

    LVR 70%-80%

    Loan: $50,000 $1,750,000

  • Owner Occupier (Interest Only)

    LVR < 60%

    Loan: $50,000 $1,750,000

Rate
1.94% p.a.
Comparison Rate
1.94% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.14% p.a.
Comparison Rate
2.14% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.44% p.a.
Comparison Rate
2.44% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.74% p.a.
Comparison Rate
2.74% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.24% p.a.
Comparison Rate
2.24% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.44% p.a.
Comparison Rate
2.44% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
3.07% p.a.
Comparison Rate
3.07% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.74% p.a.
Comparison Rate
2.74% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.19% p.a.
Comparison Rate
2.19% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.39% p.a.
Comparison Rate
2.39% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.69% p.a.
Comparison Rate
2.69% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.49% p.a.
Comparison Rate
2.49% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.99% p.a.
Comparison Rate
2.99% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
2.69% p.a.
Comparison Rate
2.69% p.a.
Service fee
$0.00
Upfront fee
$0
Rate
1.84% p.a.
Comparison Rate
1.84% p.a.
Service fee
$0.00
Upfront fee
$0

Mozo editorial review FreedomLend Variable Home Loan - last updated: 22 July 2021

binocular icon
What's hot
  • Seriously low variable rates
  • Five 2021 Mozo Experts Choice Awards
  • No application or ongoing fees
  • Full offset account
What's not
  • Requires at least 30% deposit for lowest rates
Mozo snapshot

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 1.94% (1.94% comparison rate*) with a 70% LVR. Plus this loan also comes with an offset account option, unlimited free extra repayments and free redraw facility.

Is it any surprise then that it won 2021 Mozo Experts Choice Awards in not one, not two, but five different categories! That's right, FreedomLend was named a winner for best Investor Home Loan, Low Cost Home Loan, Offset Home Loan, First Home Buyer Loan and Split Home Loan.

key icon
Key features

The FreedomLend Variable Home Loan offers a competitive variable rate for owner-occupiers starting at just 1.94% (1.94% comparison rate*), available for loans between $50,000 and $1,750,000 with a 70% 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.

snapshot
Who is it good for

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.

question icon
Any catches

Just bear in mind that if you want to snatch up FreedomLend's super low rate of 1.94% (1.94% comparison rate*), you'll need to put down at least a 30% deposit.

Details

Rates and fees information correct as at 17 September 2021. 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

1.94% p.a.

n/a

n/a

n/a

1.94% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

none

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.14% p.a.

n/a

n/a

n/a

2.14% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

70.00%

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.44% p.a.

n/a

n/a

n/a

2.44% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

80.00%

90.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.74% p.a.

n/a

n/a

n/a

2.74% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$175,000

90.00%

95.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.24% p.a.

n/a

n/a

n/a

2.24% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

60.00%

70.00%

Features

Owner Occupier

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.44% p.a.

n/a

n/a

n/a

2.44% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

70.00%

80.00%

Features

Owner Occupier

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

3.07% p.a.

n/a

n/a

n/a

3.07% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

90.00%

95.00%

Features

Owner Occupier

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.74% p.a.

n/a

n/a

n/a

2.74% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

80.00%

90.00%

Features

Owner Occupier

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.19% p.a.

n/a

n/a

n/a

2.19% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.39% p.a.

n/a

n/a

n/a

2.39% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

none

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.69% p.a.

n/a

n/a

n/a

2.69% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

80.00%

90.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.49% p.a.

n/a

n/a

n/a

2.49% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

none

70.00%

Features

Investor

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.99% p.a.

n/a

n/a

n/a

2.99% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

80.00%

90.00%

Features

Investor

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

2.69% p.a.

n/a

n/a

n/a

2.69% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

70.00%

80.00%

Features

Investor

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

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 17 September 2021. 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

1.84% p.a.

n/a

n/a

n/a

1.84% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$0.00

$0.00

Other financial bits

$50,000

$1,750,000

none

60.00%

Features

Owner Occupier

Interest Only

Monthly

yes - free

no

yes - free

$0.00

yes

yes

$385 Application fee, $303 Valuation Fee and a $330 Legal fee apply to loans less than $350,000.

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

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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.