Easy Street
Every product Easy Street publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 17 Oct 2026.
- Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Community First Bank and Illawarra Credit Union under the same banking licence. Who shares a cap
- Australian credit licence and AFS licence 231204, held by Community First Credit Union Limited; credit licence since 15 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
15 products in 2 categories
Easy Street's rates today
Easy Street's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.
Where Easy Street sits among every institution's best
| Rate | Easy Street | Best anywhere | Typical institution |
|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 6.29%STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest) | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions |
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.44%3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest) | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions |
Easy Street home loan repayments
Repayments at Easy Street's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.
- 6.29%6.34% comparison$3,710a month
$735,574 in interest, $1,335,574 repaid in all
- 6.54%6.36% comparison$3,808a month
$770,954 in interest, $1,370,954 repaid in all
- 6.54%6.39% comparison$3,808a month
$770,954 in interest, $1,370,954 repaid in all
- 6.44%6.38% comparison$3,769a month
$756,755 in interest, $1,356,755 repaid in all
- 6.29%6.34% comparison$3,710a month
$735,574 in interest, $1,335,574 repaid in all
Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Easy Street's own calculator: confirm the rate with Easy Street before you apply.
Easy Street home loan rates
Compare across banks13 products
Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.29%, with a comparison rate of 6.34%, on its STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest): 32nd lowest of 104 lenders, level with 5 others.
- 1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- 1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)
- Fixed
- 1 yr 6.54%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- 2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- 2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)
- Fixed
- 2 yrs 6.54%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- 3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- 3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)
- Fixed
- 3 yrs 6.44%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- STREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only)
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)
- Variable (investor P&I)
- 6.29%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only)
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
- STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)
- Variable (owner occ. P&I)
- 6.29%, 6.34% comparison
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
Easy Street savings and transaction account rates
Compare across banks2 products
Its highest savings rate is 0.00%, on its Easy Everyday Access account: 74th highest of 84 institutions, level with 10 others.
Has Easy Street passed on the RBA's November 2026 rate rise?
Easy Street hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.
Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.
Sat 17 Oct
Easy Street lifted 4 variable home loan rates by 0.20 percentage points.
0.20- STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only) (1 rate)
- STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest) (1 rate)
- STREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only) (1 rate)
- STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest) (1 rate)
Easy Street lifted 9 fixed home loan rates by 0.20 percentage points.
0.20- 1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest) (1 rate)
- 2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest) (1 rate)
- 3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest) (1 rate)
- 1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only) (1 rate)
- 1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest) (1 rate)
- 2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only) (1 rate)
- 2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest) (1 rate)
- 3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only) (1 rate)
- 3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest) (1 rate)
Sun 11 Oct
Easy Street lifted 1 savings rate by 0.25 percentage points.
0.25
Withdrawn recently
- STREET SMART VARIABLE HOME LOAN SPECIAL - INVESTMENT (Principal and Interest)Home loan, withdrawn 3 Oct 2026
- STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest)Home loan, withdrawn 29 Sept 2026
- STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED (Principal and Interest)Home loan, withdrawn 29 Sept 2026
Published by Easy Street under the Consumer Data Right, last changed by them on 17 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.