Easy Street Honeymoon Home Loan

Easy Street Honeymoon Home Loan special

One major advantage that online lenders like Easy Street have over the big banks is that their business model allows them to offer very attractive rates. Being an online only lender, Easy Street don't have the same overheads as the big banks.

There are no branches to pay for, and less equipment, meaning that overall it's a much cheaper business model to run. Easy Street have used this as a means to offer customers a low introductory rate.

Interest Rate Max Insured LVR Max LVR
1 Year (New Money only offer) Investor, P&I
4.05% p.a.
Comparison Rate
4.59% p.a.
95% 80%
1 Year (New Money only offer) Owner Occupier, P&I
3.65% p.a.
Comparison Rate
4.19% p.a.
95% 80%
1 Year (New Money only offer) Owner Occupier, IO
4% p.a.
Comparison Rate
4.12% p.a.
95% 80%
Product NameEasy Street Honeymoon Fixed Home Loan Special
Interest Rate TypeFixed
Comp Rate^ (p.a.)
Minimum Loan Amount$50,000
Maximum Loan Amount$1,000,000
Minimum Loan Term5 years
Maximum Loan Term30 years
Maximum LVR80%
Maximum Insured LVR95%
Mortgage Offset AccountYes
Mortgage 100% OffsetYes
Loan Redraw FacilityYes
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableYes
Suitable for InvestmentYes
Extra RepaymentYes
Available as equity loan/line of creditNo
Repayment TypePrincipal & Interest and Interest Only Options
Application Fee$500
Valuation Fee$0
Ongoing Fees$0 p.a.
Discharge Fee$300


  • There is $0 ongoing service fee
  • You can make extra payments without penalties
  • You can access extra funds from the mortgage via the redraw facility


  • A $300 discharge fee applies when you pay off your home loan.
  • There is a $500 application fee.

Who is Easy Street?

Easy Street is a division of Community First Credit Union, the biggest credit union in Sydney. As part of Community First, you can have the peace of mind that Easy Street is licensed and regulated like all Australian banks. Because Easy Street only offers its products online, it cuts down on overheads and can pass on competitive deals to you.

Is this just for first time buyers?

Although the name may be suggest this product is aimed at first time buyers, in fact anyone looking for finance can benefit from it. Those looking to buy investment property, or those needing to refinance their home are all just as eligible to apply.

The application process itself is also fairly straight forward. Being an online lender the best way to apply for the Honeymoon Home Loan Special is via the links on this page. It's a fairly basic application form and if you have the relevant information and documents to hand it should only take about ten minutes to complete.

Advantages of the Easy Street Honeymoon Home Loan

It's not every day you will find an introductory fixed rate home loan with a 100% offset account – you'll also get fee free redraw access too.

Other features include:

  • Borrow up to 95% of the property value
  • $0 account keeping fees
  • Available for refinancing, first home buyers, refinancers and investors
  • Low introductory rate of

Other fees you can't avoid

  • Exit Fee: If you pay out your fixed rate loan early, you will be subject to a $300 exit fee.
  • Transfer Fee: If you want to keep your home loan, but move houses you may have to pay a fee.
  • Redraw Fee: To redraw on your loan you will be charged $0.

Take advantage of the discounted 12 months

The first year of a home loan can often be the hardest. It's the time you're paying for solicitors, conveyancing and moving costs. Having less interest to pay for the first 12 months can relieve some of the pressure on you and help to make the whole moving process run a little more smoothly.

On the whole this looks like a pretty solid home loan deal. As always the advice is to search around and see what offers out there suit you best. Never borrow more than you can comfortably afford to pay back and be sure that the property you're going to buy is truly worth the money you're going to pay.

Know how much you want to borrow? Use our calculator to find out what your repayments will be

Applying for the Easy Street Honeymoon Home Loan special

If you have done your comparisons and due diligence and feel the this Honeymoon Home Loan is right for you, simply click the "Go to site" buttons below. Here you will see the "Apply Online" button - make sure you

  • Are over the age of 18
  • can prove you have a regular source of income
  • have a clean credit record
  • are an Australian resident or permanent resident

If you need any more information click on the details button below

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2 Responses

  1. Default Gravatar
    markOctober 25, 2017

    I wish to purchase a property, have some savings although not in the bank. Will I be considered for a home loan?

    • Default Gravatar
      JonathanOctober 26, 2017

      Hi Mark,

      Thank you for your inquiry.

      Generally, a property is partitioned on 80-20 rule, wherein 20% of the property value is paid out as a deposit while the remaining 80% is applied through lending. Most banks will assess your capacity to shoulder this obligation on a long-term, which includes your existing cash flow and savings.

      We have a page guide on how you can look at different home loan offers. On that page, we have also listed several home loan providers which you can compare. Please be informed that you need to speak with a qualified mortgage broker or home loan specialist to help you understand if that particular loan is suited for your needs and financial goals.

      Hope this helps.


Easy Street Honeymoon Fixed Home Loan Special

  • Interest Rate


  • Comparison Rate


  • App Fee / Annual Service Fee

    $500 / $0

  • Max LVR


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