Easystreet3 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.
At a glance
- Fixed
- 3 yrs 6.44%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.44% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 10th lowest of 80, level with 4 others |
Rates
The one rate Easystreet publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedThe 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 | 3 yrs fixed | - | 6.44% | 6.38% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 17 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.24% | 6.44% | up 0.20 |
Each change is logged the night it appears in the rates Easy Street publishes. See how every lender answered the RBA on the rate tracker.
Fees
13 fees published, grouped by when they're charged.
When you take it out1
- HOME_LOAN_APPLICATION_FEE
Includes application, one legal and standard valuation fee free for first application, for one security only.
$500
When you make a transaction1
- DEFAULT_NOTICE_FEE$50
If a payment is late or fails1
- LATE_PAYMENT$25
When particular things happen10
- COPY_OF_PRINT_STATEMENT_-_FEE
$1.50 per page
$1.50 - EARLY_REPAYMENT_FEE_(ERF)
Refer to loan contract
No fee - FAILURE_TO_COMPLY_NOTICE$25
- LOAN_VARIATION_FEE
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)
$250 - MORTGAGE_DEFAULT_NOTICE_FEE
Charged at cost
No fee - PRODUCTION_OF_DEEDS
Charged at cost
No fee - RE-ISSUE_LOAN_DOCUMENTATION_FEE$300
- RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE
$250 upfront preparation fee plus $250 p.a. (paid in advance)
$500 - SPECIAL_ATTENDANCE_FEE
Charged at cost
No fee - SPECIAL_ATTENDANCE
$300 + at cost fees
$300
Features
- Split loan
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent residency only
- Available to individuals
- Amount from $50,000, no maximum
- Maximum LVR 80%
Compare it with others
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Published by Easy Street under the Consumer Data Right, last changed by them on 16 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.