Easy Street Variable Home Loan

This offer of a low variable rate loan from Easy Street requires only a 5% deposit.

The Easy Street Variable Special Home Loan is a low-rate loan for new borrowers. It also comes with a 100% offset account.

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Review by

Adam Smith was the home loans editor at Finder. Prior to joining Finder he was the editor at Australian Broker where he had been writing about home loans since 2010.

Expert review

The Easy Street Variable Home Loan is available to new borrowers who are buying a home to live in. It includes flexible features to help you take charge of your repayments.

Easy Street is a division of Community First Credit Union, Sydney's largest credit union. This lender has no shareholders because it is a member owned institution.

About this loan

What are the feature and benefits of the Easy Street Variable Home Loan?

  • Loan amount. The Easy Street Variable Home Loan has a minimum borrowing amount of just $50,000. You can borrow up to N/A of the value of the property you're buying, but borrowing above 80% will incur a lenders mortgage insurance premium.
  • Flexible repayments. The Easy Street Variable Home Loan offers weekly, fortnightly or monthly repayments. You can also get ahead on your home loan by making as many additional repayments as you like without any penalty.
  • Free redraw. The Easy Street Variable Home Loan offers fee-free redraw, so you can withdraw any additional funds you've paid on your home loan. There's no minimum redraw amount.
  • 100% offset. The Easy Street Variable Home Loan also comes with a 100% offset account, allowing you to save on interest charges.

What fees and charges come with this loan?

  • Application fee: $500. This one-off fee covers the administrative costs involved in processing your home loan application.
  • Discharge fee: $300. The discharge fee is payable when you close your loan account.

How to apply

If you've examined your options and think the Easy Street Variable Home Loan suits your borrowing needs, click the button below to be taken to the Easy Street website. There you'll be guided through the online application process.

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    Default Gravatar
    December 29, 2022

    Can I get a home loan with 5 % deposit?

      January 7, 2023

      Hi Tony,

      There are lenders that allow a 5% deposit. You can explore your options here.

      This may involve you paying Lender’s Mortgage Insurance, so please check that before applying. You may also be able to get a home loan with a 5% deposit by taking advantage of state or federal government schemes. For an overview of those schemes, you can take a look at our first home buyers guide.

      Speaking with a mortgage broker is also recommended to help you find the right kind of loan for your borrowing needs.

      Kind regards,

    Default Gravatar
    December 20, 2022

    Hi team,

    I am looking for refinancing my 2 investment properties in Mansfield QLD. It would be great if I can get more information.

    Thank and regards,

      January 7, 2023

      Hi Will,

      We’d be happy to help – what further information do you need? We should be able to provide general tips and information, but you may need to speak to a mortgage broker or lender directly about your specific set of circumstances.


    Default Gravatar
    December 11, 2022

    I am interested in getting an investment at 5% down IO. Can you let me know how we can initiate a process.


      December 21, 2022

      Hi Harman,

      If you mean applying for Easy Street Variable Home Loan, you can simply visit their website to start with your application.


    Default Gravatar
    November 30, 2022

    I would like to get a mortgage with easy street, can someone contact me please. I am buying a property to live in.

      December 20, 2022

      Hi Mohamad,

      You can get in touch with Easy Street by:

      1300 13 14 65
      8 am – 8 pm on weekdays and 8 am – 3 pm Saturdays

      Email: askus@easystreet.com.au

      All the best,

    Default Gravatar
    November 18, 2022

    I would like a call back to 0408005475

      November 22, 2022

      Hi Kate,

      If you wish to speak with Easy Street, you may contact them at 1300 13 14 65. You can also get in touch with them by clicking leave a message on the lower right corner of their page.

      Kind regards,

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