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Easy Street Standard Variable Home Loan

Advertiser disclosure

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 95%

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

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $50,000

  • Owner Occupier (Interest Only)

    LVR < 95%

    Loan: $50,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $50,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $50,000

Rate
3.75% p.a.
Comparison Rate
3.79% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
4.10% p.a.
Comparison Rate
4.14% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
4.05% p.a.
Comparison Rate
4.09% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
4.40% p.a.
Comparison Rate
4.44% p.a.
Service fee
$0.00
Upfront fee
$500

Mozo editorial review Easy Street Standard Variable Home Loan

Last updated: 27 November 2020.

binocular icon
What's hot
  • 100% offset account
  • Free extra repayments and redraws
  • Mozo Experts Choice Award winner 2020
What's not
  • $500 application fee
  • $300 discharge fee
Mozo snapshot

Easy Street understands that buying a home doesn’t have to 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.

On top of that, the Standard Variable Home Loan was named a winner in the 2020 Mozo Experts Choice Awards for best First Home Buyer Loan.

key icon
Key features

The Easy Street Standard Variable Home Loan has a variable rate from 3.75% (3.79% comparison rate*), which is available for new money applications or internal refinances of a minimum of $50,000. 

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.

snapshot
Who is it good for

The Easy Street Standard Variable Home Loan should appeal to anyone looking for a 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.

question icon
Any catches

Remember, this low rate is only for “new money,” that is, you must be new to Easy Street or refinancing from another Easy Street loan of at least $50,000, not from another provider.

Details

Rates and fees information correct as at 19 January 2021. 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
  • 3.75% p.a.

  • n/a

  • n/a

  • n/a

  • 3.79% 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

  • n/a

  • $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

  • Lenders Mortgage Insurance required for LVR over 80%.

  • 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 January 2021. 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
  • 4.10% p.a.

  • n/a

  • n/a

  • n/a

  • 4.14% 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

  • n/a

  • $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

  • Lenders Mortgage Insurance required for LVR over 80%.

  • 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 January 2021. 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
  • 4.05% p.a.

  • n/a

  • n/a

  • n/a

  • 4.09% 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

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • none

  • none

  • 95.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes-free

  • $0.00

  • yes

  • yes

  • Lenders Mortgage Insurance required for LVR over 80%.

  • 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 January 2021. 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
  • 4.40% p.a.

  • n/a

  • n/a

  • n/a

  • 4.44% 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

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • none

  • none

  • 95.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes-free

  • $0.00

  • yes

  • yes

  • Lenders Mortgage Insurance required for LVR over 80%.

  • 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.

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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.

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