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Easy Street Street Smart Variable Home Loan

Advertiser disclosure
The details shown below are for an owner occupier, investor 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, 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

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier, Investor Principal & Interest < 95% $50,000
Owner Occupier, Investor Interest Only < 95% $50,000
  • Owner Occupier, Investor (Principal & Interest)
    LVR < 95%
    Loan: $50,000
  • Owner Occupier, Investor (Interest Only)
    LVR < 95%
    Loan: $50,000
Rate
6.04% p.a.
Comparison Rate
6.09% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
6.49% p.a.
Comparison Rate
6.27% p.a.
Service fee
$0.00
Upfront fee
$500

Mozo editorial review Easy Street Street Smart Variable Home Loan - last updated: 17 November 2023

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What's hot
  • Variable rates from 6.04% p.a. (6.09% p.a. comparison rate*)
  • 100% offset account
  • 2023 Mozo Experts Choice Award winner
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 Street Smart Variable Home Loan with a number of handy features, including a full offset account and free extra repayments.

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Key features

The Easy Street Street Smart Variable Home Loan has a variable rate from 6.04% p.a. (6.09% p.a. comparison rate*). Loans are available from $50,000 and borrowers can borrow up to 95% of the property's value.

As for features, there’s not much that’s been left off the table. The Street Smart Variable Home Loan comes with an offset account to help you 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.

There's also an interest-only version of this loan, which has a 6.49% p.a. variable rate (6.27% p.a. comparison rate*).

snapshot
Who is it good for

The Easy Street Street Smart Variable Home Loan should appeal to anyone looking for a home loan with lots of features to help you get ahead.


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Any catches

Be aware of fees, such as the $500 application fee and the $300 discharge fee.

Details

Rates and fees information correct as at 29 March 2024. 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

6.04% p.a.

n/a

n/a

n/a

6.09% 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

$696.00

Other financial bits

$50,000

none

none

95.00%

Features

Owner Occupier, 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 29 March 2024. 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

6.49% p.a.

n/a

n/a

n/a

6.27% 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

$696.00

Other financial bits

$50,000

none

none

95.00%

Features

Owner Occupier, 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

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About Easy Street

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6.15% p.a. variable

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Express Home Loan

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BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

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Sucasa

Ultra Low Rate

6.30% p.a. variable

6.58% p.a.

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Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

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Neat Home Loan

6.14% p.a. variable

6.16% p.a.

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Macquarie

Basic Home Loan

6.15% p.a. variable

6.17% p.a.

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Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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Sucasa

Ultra Low Rate

6.30% p.a. variable

6.58% p.a.

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Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

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ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

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Macquarie

Offset Home Loan (Package)

6.15% p.a. variable

6.40% p.a.

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Unloan

Variable

6.29% p.a. variable

6.20% p.a.

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ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

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Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

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Sucasa

Ultra Low Rate

6.30% p.a.

6.58% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

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Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

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BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

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ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

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Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

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BCU Bank

Fixed Rate Home Loan

p.a.

6.30% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

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ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

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BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.09% p.a.
fixed 3 years

6.19% p.a.

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Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

$10.00 monthly

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Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

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Up

Home Variable Rate

5.95% p.a.

5.95% p.a.

$0.00

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BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

$0.00

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G&C Mutual Bank

First Home Buyer Loan

5.90% p.a.

5.93% p.a.

$0.00

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Community First Bank

Basic Variable Home Loan

5.94% p.a.

5.99% 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.

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