Easystreet
STREET SMART VARIABLE HOME LOAN SPECIAL - OWNER-OCCUPIED REFINANCE (Principal and Interest)
A variable loan for owner occupiers refinancing at least $500,000 needing flexible features such as a 100% offset account. Includes a competitive rate, fee free redraw and no monthly or annual fees.
Home loansBank updated 2 Sept 2026
At a glance
- Variable (owner occ. P&I)
- 5.79% · 5.80% comparison
- Max LVR
- 80%
- Features
- offset, redraw
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe 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 char… | Owner occupied · P&I | — | — | 5.79% | 5.80% | — |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| COPY_OF_PRINT_STATEMENT_-_FEE | Event | $1.50 | — | $1.50 per page |
| FAILURE_TO_COMPLY_NOTICE | Event | $25 | — | — |
| LOAN_VARIATION_FEE | Event | $250 | — | 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) |
| MORTGAGE_DEFAULT_NOTICE_FEE | Event | No fee | — | Charged at cost |
| PRODUCTION_OF_DEEDS | Event | No fee | — | Charged at cost |
| RE-ISSUE_LOAN_DOCUMENTATION_FEE | Event | $300 | — | — |
| RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE | Event | $500 | — | $250 upfront preparation fee plus $250 p.a. (paid in advance) |
| SPECIAL_ATTENDANCE_FEE | Event | No fee | — | Charged at cost |
| SPECIAL_ATTENDANCE | Event | $300 | — | $300 + at cost fees |
| LATE_PAYMENT | Late payment | $25 | — | — |
| DEFAULT_NOTICE_FEE | Transaction | $50 | — | — |
§ 03 — Features
Offset accountRedraw
- · No penalty for extra repayments
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian citizen or permanent residency only
- · Available to individuals
- · Maximum LVR 80%
- · Minimum balance $500,000
- · Only available for refinance purpose
§ 06 — Run the numbers
Put this product through a calculator
Published by Easy Street under the Consumer Data Right, last changed by them on 2 Sept 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.