Freedom Lend home loans

Freedom Lend is an Australian-owned and operated non-bank lender that provide an online-only service from its Melbourne office. Being an online-only lender, Freedom Lend is able to cut out a lot of overheads and pass the savings and lower interest rates onto its customers. Freedom Lend offers its customers a range of fixed and variable competitive home and investment loans.

Freedom Lend Home Loan Calculator
Interested in a Freedom Lend home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Freedom Lend compares to its competitors. Simply plug in your borrowing amount below.

Mark Bristow

Personal Finance Editor

Content updated

17 Oct, 2022

Product data updated

16 Jun, 2025

Why choose Freedom Lend

Benefits

Flexible loan options.
Competitive interest rates.
Can accommodate borrowers with a smaller deposit.

Drawbacks

Limited branch access.
Limited home loan options.
Some loans have high exit fees.

Home Loans calculator

Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios.

Your estimated mortgage repayments

Total interest

Total repayments

How much can I borrow?

Compare home loans

All calculations are estimates only; they are not guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
It is assumed that data entered into the calculator, including interest rates, do not change for the lifetime of the loan - unless specified.
The Present Value provided by this calculator is displayed as the amount labelled 'Loan amount'.
At the end of the interest-only period, the rate may change. For this calculation, rate switches to the current rate.
The current rate is today’s average big 4 owner occupier advertised discounted variable rate (LVR 80%), unless you have inserted your own rate.
Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.

Months are assumed to be of equal length. However, given some months are longer than others, interest charged may vary depending upon the month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus each year has 364 days.
The calculator uses the unrounded repayment to derive the home loan summary line graph and repayment schedule. However, institutions may round repayments to the nearest cent.
Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
Calculator does not include the cost of fees or other extra charges.
Calculator does not account for changes to interest rates over time.
This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Consider whether you need financial advice from a qualified adviser.
After the interest only term ends, your repayments will change based on the current* interest rate. This rate is subject to change. Read our full disclaimer.

Freedom Lend customer service

Being an online-only lender means that Freedom Lend customers do not have access to a branch network, however this non-traditional lender offers its customers extended telephone support, 7 days a week. Home loan customers can also contact Freedom Lend through the online chat function on their website. Borrowers looking for face-to-face support can meet with a Freedom Lend consultant in their Melbourne office, borrowers outside Melbourne can arrange a Skype meeting through the Freedom Lend website.

Customer service centre (phone)
Online banking
Email
Live Chat

How to Apply

Borrowers wanting to apply for a Freedom Lend home loan can complete a secure online loan application form. Before applying for a Freedom Lend home loan, consider what you can afford to borrow and what other costs you need to factor in. To apply for this Freedom Lend loan, you will need to supply the following information:

Proof of identity.
Proof of income including last two months’ payslips or last two years’ tax returns if you’re self-employed.
Provide three months’ savings history, credit card statements and bank account statements.

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About our expert

Mark Bristow

Personal Finance Editor

Mark Bristow is RateCity's Senior Finance Content Producer, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider. Mark has also completed RG 146 (Tier 1), making him compliant to provide general advice for general insurance products like car, home, travel and health insurance, as well as giving him knowledge of investment options such as shares, derivatives, futures, managed investments, currencies and commodities.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

Freedom Lend home loans

Why choose Freedom Lend

Benefits

Drawbacks

Freedom Lend Home Loans