Easy Street

Easy Street home loans

Easy Street has home loans for owner-occupiers and investors, with rates starting from 1.95%.

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Easy Street is an online Australian lender and a division of Community First Credit Union. Check out the full table of Easy Street products below or read more about the lender and its loans.

Compare Easy Street home loans for November 2021

Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each individual product by clicking "More Info".

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years
Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

Easy Street Standard Variable Home Loan P&IHome≥ 20% Deposit

Easy Street Standard Variable Home Loan
1.95%
1.99%
  • App: $500
  • Ongoing: $0 p.a.
$552
A low, variable rate home loan. Requires a 20% deposit.

Easy Street Fixed Home Loan IOInvestment 1Y Fixed≥ 5% Deposit

Easy Street Fixed Home Loan
2.29%
3.19%
  • App: $500
  • Ongoing: $0 p.a.
$578
A competitive 1-year interest-only fixed rate investor loan. Available with a 5% deposit.

Easy Street Fixed Home Loan IOInvestment 2Y Fixed≥ 5% Deposit

Easy Street Fixed Home Loan
2.29%
3.12%
  • App: $500
  • Ongoing: $0 p.a.
$578
Investors can fix their rate for 2 years while making interest-only repayments. Available with a 5% deposit.

Easy Street Fixed Home Loan IOInvestment 3Y Fixed≥ 5% Deposit

Easy Street Fixed Home Loan
2.29%
3.05%
  • App: $500
  • Ongoing: $0 p.a.
$578
A competitive interest-only fixed rate loan for investors. Available with a low deposit.

Easy Street Fixed Home Loan P&IInvestment 3Y Fixed≥ 5% Deposit

Easy Street Fixed Home Loan
2.29%
3.04%
  • App: $500
  • Ongoing: $0 p.a.
$578
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Easy Street key facts

  • Easy Street's home loan rates are lower than most loans on the market. Some of its variable rates are particularly competitive.
  • Easy Street is an online lender. It has an online application process but no physical branches.
  • You can get many Easy Street loans with deposits as low as 5%.

Review by our senior home loans writer Richard Whitten

Easy Street home loan features

Here are the key features and details you need to know about Easy Street's mortgage products.

FeatureDetails
Minimum depositSome Easy Street loans have 80% maximum LVRs, meaning you need 20% deposits. But many loans are available with deposits as low as 5%.
Offset accountSome Easy Street loans have offset accounts.
FeesMost Easy Street loans have an upfront application fee, but not many other fees.
Repayment optionsBoth Easy Street's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.

How do I apply for an Easy Street mortgage?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

Each Easy Street product has specific eligibility criteria but some will apply to all products. For example:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Easy Street, you are required to provide certain information, so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property, but to complete an application, you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (such as savings accounts and investments) and liabilities (for example, any outstanding debt you may have).

How to apply for a home loan

Lenders like Easy Street

If you want to compare loans from lenders similar to Easy Street, then you can start with these online lenders. They all have competitive rates and may be a better match for your needs:

  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tic:Toc. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Homestar. A 100% online lender, Homestar has been providing mortgages to Australian borrowers since 2004.
  • UBank. A 100% online lender owned by NAB.
  • Loans.com.au. A Brisbane-based online lender, Loans.com.au is backed by Firstmac, Australia's largest non-bank lender.
  • ME Bank. Member's Equity was established back in 1994 and went fully digital in 2012.
  • ING. This online bank is part of the global, Dutch-based financial group of the same name.

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