Easy Street Standard Variable Home Loan

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

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

The details shown below are for an owner occupier taking out a interest only loan of at least $50,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan of at least $50,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $50,000

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $50,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $50,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000

3.59% p.a.

3.63% p.a.

$0.00

Easy Street Standard Variable Home Loan

3.59% p.a.

3.63% p.a.

$0.00

4.20% p.a.

4.24% p.a.

$0.00

Easy Street Standard Variable Home Loan

4.20% p.a.

4.24% p.a.

$0.00

4.55% p.a.

4.59% p.a.

$0.00

Easy Street Standard Variable Home Loan

4.55% p.a.

4.59% p.a.

$0.00

4.60% p.a.

4.64% p.a.

$0.00

Easy Street Standard Variable Home Loan

4.60% p.a.

4.64% p.a.

$0.00

Mozo Review   Easy Street Standard Variable Home Loan Review

Last updated: 18 March 2019.

What's hot:
  • 3.59% variable rate (3.63% comparison rate*)

  • Free extra repayments

  • 100% offset account

What's not:
  • $500 application fee

  • $300 discharge fee

Mozo snapshot:

Easy Street understands that buying a home doesn’t have be a gruelling process. That’s why they’ve made sure to pack the Standard Variable Home Loan with a number of handy features, including a full offset account and free extra repayments. Add to that its competitive 3.59% p.a. variable rate (3.63 p.a. comparison rate*) and you’ve got a cracking good home loan deal.

Key features:

The Easy Street Standard Variable Home Loan grabbed our attention with its variable rate starting from 3.59% p.a. (3.63% comparison rate*), but there’s plenty more on offer. Owner occupiers will be able to borrow as little as $50,000 or as much as 95% of a property’s value (as long it’s covered by lenders mortgage insurance), so anyone unsure of their ability to enter the property market has reason to be optimistic.

As for features, there’s not much that’s been left off the table. The Standard Variable Home Loan comes with an offset account to help your lower your interest, the ability to make extra repayments, plus a free redraw facility in case you need those funds back. Adding to the flexibility, you can choose to make repayments weekly, fortnightly or monthly.

But all these features come with a catch. You’ll have to be wary of the $500 application fee, plus the discharge fee of $300 for when your home loan ends.

Who it's good for:

The Easy Street Standard Variable Home Loan should appeal to anyone looking for a low rate home loan with lots of features to help you get ahead. First home buyers in particular would appreciate the ability to borrow up to 95% of a property’s value.

Any catches?

This low rate is only for “new money,” that is, you must be new to Easy Street, not refinancing from another Easy Street loan.

Details

Rates and fees information correct as at 19 March 2019. 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
  • 3.59% p.a.

  • n/a

  • 0 Months

  • none

  • 3.63% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • none

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes-free

  • $0.00

  • yes

  • yes

  • 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 19 March 2019. 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
  • 4.20% p.a.

  • n/a

  • 0 Months

  • none

  • 4.24% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • none

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes-free

  • $0.00

  • yes

  • yes

  • 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 19 March 2019. 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
  • 4.55% p.a.

  • n/a

  • 0 Months

  • none

  • 4.59% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • none

  • none

  • 95.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes-free

  • $0.00

  • yes

  • yes

  • 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 19 March 2019. 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
  • 4.60% p.a.

  • n/a

  • 0 Months

  • none

  • 4.64% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $500.00

  • $0.00

  • $0.00

  • $0.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes-free

  • $0.00

  • yes

  • yes

  • 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

This product is not currently reviewed.

Easy Street

About Easy Street

Easy Street is powered by Community First Credit Union, the largest community based credit union operating throughout Sydney and the Central Coast. It has more than $700m in assets, and over 70,000 Members - making it rock solid. Being large means Community First can maintain high levels of reserves to ensure its ongoing viability. Easy Street offers a wide range of financial services including award winning savings and loans. Their advanced suite of services is only available online, which means we can be fast and flexible at all times.

See Easy Street home loans

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a. variable

3.61% p.a.

$150

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.59% p.a. variable

3.59% p.a.

$0

Promoted

Athena

Athena

Variable Home Loan

3.49% p.a. variable

3.51% p.a.

$488

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.69% p.a. variable

3.83% p.a.

$150

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a. variable

3.50% p.a.

$520

Promoted

ME

ME

Basic Home Loan

3.97% p.a. variable

3.99% p.a.

$400

Promoted

Bank First

Bank First

First Rate Home Loan

3.72% p.a. variable

3.77% p.a.

$600

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.76% p.a. variable

3.77% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a.

3.50% p.a.

$520

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

Promoted

Athena

Athena

Variable Home Loan

3.49% p.a.

3.51% p.a.

$488

Promoted

ME

ME

Basic Home Loan

3.97% p.a.

3.99% p.a.

$400

Promoted

NAB

NAB

Base Variable Rate Home Loan

3.79% p.a.

3.83% p.a.

$600

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.69% p.a.

3.83% p.a.

$150

Promoted

Hunter United

Hunter United

Interest Only Home Loan

3.99% p.a.

3.99% p.a.

$0

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$150

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.89% p.a.
fixed 3 years

3.93% p.a.

$520

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan - First Home Buyer Special

n/a

n/a

$0

Promoted

ME

ME

Flexible Home Loan (Fixed)

4.14% p.a.
fixed 3 years

4.87% p.a.

$400

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Promoted

NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.89% p.a.
fixed 3 years

4.92% p.a.

$0

Promoted

Bankwest

Bankwest

Complete Fixed Home Loan (Package)

3.98% p.a.
fixed 3 years

4.52% p.a.

$250

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

3.79% p.a.
fixed 3 years

4.51% p.a.

$450

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Promoted

Athena

Athena

Variable Home Loan

3.49% p.a.

3.51% p.a.

$0.00

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a.

3.50% p.a.

$0.00

Promoted

Mozo

Mozo

Mystery Bank Deal

3.54% p.a.

3.60% p.a.

$0.00

Promoted

Reduce Home Loans

Reduce Home Loans

Rate Slasher

3.44% p.a.

3.44% p.a.

$0.00

*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.