Easy Street is owned and operated by Community First Credit Union, the largest of its kind in Sydney. Easy Street is a member owned and focused organisation, which means when you take out a home loan with this lender, your needs come first. Check out the mortgage deals on offer below.
Rates and fees verified as correct at 26 July, 2017. Other information correct at the time of writing.
You can take out an Easy Street fixed rate home loan if you want to borrow an amount over $50,000, up to 95% of the value of the property. In terms of money saving features, you’ll be able to make additional free repayments up to $25,000 p.a., free redraws and you’ll have the use of an offset account. You can also choose to split your loan between fixed and variable rates. Just remember to budget for the upfront application fee.
| Product | Fixed 3 year rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 4.24% p.a. | 4.36% p.a. | $0.00 | $500 | ||
| 4.09% p.a. | 4.14% p.a. | $0.00 | $500 | ||
| 3.99% p.a. | 4.11% p.a. | $0.00 | $500 | ||
| 3.79% p.a. | 4.06% p.a. | $0.00 | $500 |
Like the fixed rate alternative, Easy Street’s variable rate home loans are available for amounts up to 95% of the value of the property, starting from $50,000. You’ll have the use of an offset account to keep costs low, as well as a free redraw facility, and unlimited free extra repayments. Choose between monthly, fortnightly and weekly repayments to suit your schedule. But don’t forget there’s an upfront application fee to consider.
| Product | Rate | Comparison Rate* | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 3.59% p.a. fixed for 12 months and then 4.20% p.a. | 4.18% p.a. | $0.00 | $500 | ||
| 3.49% p.a. fixed for 12 months and then 4.10% p.a. | 4.08% p.a. | $0.00 | $500 | ||
| 4.35% p.a. | 4.39% p.a. | $0.00 | $500 | ||
| 4.20% p.a. | 4.24% p.a. | $0.00 | $500 | ||
| 4.10% p.a. | 4.14% p.a. | $0.00 | $500 |
| Free extra repaymentsFree extra repayments | Make free extra repayments on your home loan to keep interest costs down. Just don’t forget that while additional repayments are unlimited on variable rate options, they’re capped at $25,000 p.a. on the fixed rate offer. |
| Offset accountOffset account | Any Easy Street home loan offer comes with the use of an offset account to help you save on your mortgage. |
| Low depositLow deposit | Easy Street home loans will allow you to borrow up to 95% of the property’s value - so struggling to save up a massive deposit won’t be an issue! |
Want to know what Easy Street customers think of their home loans in areas like price, convenience and trust? Check out our customer review section to find out.
There are no ratings yet for Easy Street home loans.
* Overall rating based on reviews in the past 12 months.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
* The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.
† Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.
Because Easy Street is a member-owned organisation, you’ll need to become a member before you take out a home loan, which involves putting in an application and paying a small fee for a membership share.
When you go ahead and apply for a mortgage, you’ll need:
