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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 $650,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest, interest only 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 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%

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 < 80%

    Loan: $650,000

  • Owner Occupier (Principal & Interest, Interest Only)

    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 < 95%

    Loan: $50,000

  • Investor (Principal & Interest)

    LVR < 95%

    Loan: $50,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $50,000

  • Investor (Interest Only)

    LVR < 95%

    Loan: $50,000

Rate
1.95% p.a.
Comparison Rate
1.99% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
2.59% p.a.
Comparison Rate
2.63% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
3.24% p.a.
Comparison Rate
3.28% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
3.24% p.a.
Comparison Rate
3.27% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
3.24% p.a.
Comparison Rate
3.28% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
2.59% p.a.
Comparison Rate
2.63% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
2.59% p.a.
Comparison Rate
2.63% p.a.
Service fee
$0.00
Upfront fee
$500
Rate
3.24% p.a.
Comparison Rate
3.27% p.a.
Service fee
$0.00
Upfront fee
$500

Mozo editorial review Easy Street Standard Variable Home Loan - last updated: 1 July 2021

binocular icon
What's hot
  • 1.95% p.a. for new loans above $650,000 (1.99% comparison rate*) (conditions apply)
  • 100% offset account
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.

key icon
Key features

The Easy Street Standard Variable Home Loan has a variable rate from 1.95% (1.99% comparison rate*), which is available for new loans of or above $650,000 (offer available for loans submitted by 30 September 2021 and funded by 31 December 2021). For loans under $650,000 interest rates are still very reasonable with interest rates starting at 2.59% p.a. (2.63% p.a. comparison rate*).

Owner occupiers can 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 17 September 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

1.95% p.a.

n/a

n/a

n/a

1.99% 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

$650,000

none

none

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

2 Year Discounted Rate offered for new loan applications made by 30 September 2021 and funded by 31 December 2021.

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 17 September 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

2.59% p.a.

n/a

n/a

n/a

2.63% 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

n/a

$0.00

$300.00

Other financial bits

$50,000

none

none

95.00%

Features

Owner Occupier

Principal & Interest, 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 17 September 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

3.24% p.a.

n/a

n/a

n/a

3.28% 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 17 September 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

3.24% p.a.

n/a

n/a

n/a

3.27% 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

$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 17 September 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

3.24% p.a.

n/a

n/a

n/a

3.28% 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 17 September 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

2.59% p.a.

n/a

n/a

n/a

2.63% 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

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 17 September 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

2.59% p.a.

n/a

n/a

n/a

2.63% 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

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.

Details

Rates and fees information correct as at 17 September 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

3.24% p.a.

n/a

n/a

n/a

3.27% 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

$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.

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About Easy Street

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.