Easy Street home loans

Easy Street

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 21 September, 2018. Other information correct at the time of writing.

What home loans do Easy Street offer?

Fixed Rate Home Loans Fixed Rate Home Loans

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.

Home loan repayments calculator
years
Product Fixed 3 year rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.39% p.a.

4.58% p.a.

$0.00

$500

4.34% p.a.

4.53% p.a.

$0.00

$500

3.99% p.a.

4.18% p.a.

$0.00

$500

4.09% p.a.

4.50% p.a.

$0.00

$500

3.69% p.a.

4.11% p.a.

$0.00

$500


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Variable Rate Home Loans Variable Rate Home Loans

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.

Home loan repayments calculator
years
Product Rate Comparison Rate* Service fee Upfront fee Monthly repayments ‡

4.05% p.a.fixed for 12 months and then 4.60% p.a.

4.59% p.a.

$0.00

$500

4.00% p.a.fixed for 12 months and then 4.55% p.a.

4.54% p.a.

$0.00

$500

3.65% p.a.fixed for 12 months and then 4.20% p.a.

4.19% p.a.

$0.00

$500

4.60% p.a.

4.64% p.a.

$0.00

$500

4.55% p.a.

4.59% p.a.

$0.00

$500

4.20% p.a.

4.24% p.a.

$0.00

$500

3.49% p.a.

3.52% p.a.

$0.00

$500


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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.

‡ 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.

Easy Street home loan features in a glance

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!

What do you need to apply for a Easy Street home loan? What do you need to apply for a Easy Street home loan?

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:

  • Employment details, including your salary
  • Details of any other income, such as rent or share dividends
  • Your employer's contact details
  • Details of your assets and liabilities
  • Details of any other financial commitments (for example, other loan or credit card repayments)
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