Freedom Lend home loans

Freedom Lend has home loan rates starting from 6.15%.

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Freedom Lend is an online lender that offers a range of home loans for Australian borrowers. Check out the full table of Freedom Lend products below or read more about the lender.

Compare Freedom Lend home loans for February 2025

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1 - 5 of 150
Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
FreedomLend logo
Interest only40% min. depositOwner-occupierOffset account
FreedomLend logo
Interest only40% min. depositOwner-occupierOffset account
Product NameFreedom Lend Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.6.55%
Comp. Rate p.a.6.67%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,500,000
Maximum Loan Term30 years
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.55%
Comparison Rate
6.67%
Fees
Application: $385
Ongoing: $0 per month
Monthly Payment
$954
FreedomLend logo
Principal & Interest30% min. depositOwner-occupierOffset account
FreedomLend logo
Principal & Interest30% min. depositOwner-occupierOffset account
Product NameFreedom Lend Construction Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.55%
Comp. Rate p.a.6.30%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,500,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.55%
Comparison Rate
6.30%
Fees
Application: $385
Ongoing: $0 p.a.
Monthly Payment
$954
FreedomLend logo
Interest only30% min. depositOwner-occupierOffset account
FreedomLend logo
Interest only30% min. depositOwner-occupierOffset account
Product NameFreedom Lend Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Interest Only
Interest Rate p.a.6.65%
Comp. Rate p.a.6.77%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,500,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.65%
Comparison Rate
6.77%
Fees
Application: $385
Ongoing: $0 p.a.
Monthly Payment
$964
FreedomLend logo
Principal & Interest30% min. depositOwner-occupierOffset account
FreedomLend logo
Principal & Interest30% min. depositOwner-occupierOffset account
Product NameFreedom Lend Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.25%
Comp. Rate p.a.6.28%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,500,000
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.25%
Comparison Rate
6.28%
Fees
Application: $385
Ongoing: $0 p.a.
Monthly Payment
$925
FreedomLend logo
Principal & InterestInterest only20% min. depositOwner-occupierOffset account
FreedomLend logo
Principal & InterestInterest only20% min. depositOwner-occupierOffset account
Product NameFreedom Lend Construction Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest Interest Only
Interest Rate p.a.6.65%
Comp. Rate p.a.6.40%
Minimum Loan Amount$50,000
Maximum Loan Amount $2,500,000
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.65%
Comparison Rate
6.40%
Fees
Application: $385
Ongoing: $0 p.a.
Monthly Payment
$964
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Freedom Lend key facts

  • It's an online lender based in Melbourne.
  • It offers home loan products for owner-occupiers and investors.
  • This lender only offers home loan products.

Freedom Lend home loan features

Here are the key features and details you need to know about Freedom Lend's mortgage products.

FeatureDetails
Minimum depositIt's possible to get a home loan from Freedom Lend with a deposit as low as 5%.
Offset accountYou can get an offset account with several Freedom Lend loans.
Repayment optionsMany of its home loans allow you to make interest only repayments for a limited period. The lender also offers the standard principal and interest repayments on its loans.

How do I apply for a mortgage from Freedom Lend?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Freedom Lend you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tiimely Home. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full Finder Score breakdown

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Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 584 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips

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