Easy Street Product Details

3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)

A fixed rate for 3 years for owner occupiers wanting certainty of repayments for a period. Comes with a 100% offset account, the ability to make extra repayments and no monthly or annual fees.

Category: Home Loans Last Updated August 18, 2026 Effective August 21, 2026

General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information The comparison rate is based on a secured loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest Rate
6.24% PA

Comparison Rate
6.18%PA*

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.

Product rates will vary depending upon your financial position, LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Features

Offset

Redraw

Extra Repayments Additional Information: No penalty for extra repayments, an Early Repayment Fee may apply if the loan is paid out and closed during the fixed rate term

Other Additional Information: Split loan

Product Eligibility

Natural Person

Min Age - 18.

Residency Status - Australian Citizen Or Permanent Residency Only.

Bank Fees and Charges

Home Loan Application Fee (Upfront), Amount: Not Listed.. Additional Information: Includes application, one legal and standard valuation fee free for first application, for one security only.

Loan Variation Fee (Event), Amount: Not Listed.. Additional Information: Includes loan split requests, additional splits, loan top up on existing loan, substitution of security, loan re-fix fee and loan switches (loan switching to a different loan type)

Special Attendance (Event), Amount: Not Listed.. Additional Information: $300 + at cost fees

Re-issue Loan Documentation Fee (Event), Amount: Not Listed..

Late Payment (Late Payment), Amount: Not Listed..

Default Notice Fee (Transaction), Amount: Not Listed..

Failure To Comply Notice (Event), Amount: Not Listed..

Rental Or Contract Performance Guarantee (Event), Amount: Not Listed.. Additional Information: $250 upfront preparation fee plus $250 p.a. (paid in advance)

Early Repayment Fee (erf) (Event), Amount: Not Listed.. Additional Information: Refer to loan contract

Production Of Deeds (Event), Amount: Not Listed.. Additional Information: Charged at cost

Special Attendance Fee (Event), Amount: Not Listed.. Additional Information: Charged at cost

Mortgage Default Notice Fee (Event), Amount: Not Listed.. Additional Information: Charged at cost

Copy Of Print Statement - Fee (Event), Amount: Not Listed.. Additional Information: $1.50 per page

Limitations & Restrictions (Constraints)

Min Limit of 50000.00

Min Lvr of 0.01

Max Lvr of 0.80

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