Easy Street Fin Services Home Loan Rates December 2025

Explore Easy Street Fin Services home loan offers to find some of the most competitive mortgage rates, fees, and features available for you.

Monthly repayment below is based on a $500,000 loan amount over 30 years.

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LenderHome LoanInterest Rate Comparison Rate* Monthly Repayment Repayment type Rate Type Offset Redraw Ongoing Fees Upfront Fees Max LVR Lump Sum Repayment Extra Repayments Split Loan Option TagsFeaturesLinkComparePromoted ProductDisclosure
4.89% p.a.
5.26% p.a.
$2,651
Principal & Interest
Fixed
$0
$500
80%
  • Owner Occupier
  • Fixed 3 Years
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
4.89% p.a.
5.26% p.a.
$2,651
Principal & Interest
Fixed
$0
$500
80%
  • Investor
  • Fixed 3 Years
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
4.99% p.a.
5.32% p.a.
$2,681
Principal & Interest
Fixed
$0
$500
80%
  • Owner Occupier
  • Fixed 2 Years
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
4.99% p.a.
5.32% p.a.
$2,681
Principal & Interest
Fixed
$0
$500
80%
  • Investor
  • Fixed 2 Years
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.09% p.a.
5.36% p.a.
$2,712
Principal & Interest
Fixed
$0
$500
80%
  • Owner Occupier
  • Fixed 1 Year
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.09% p.a.
5.36% p.a.
$2,712
Principal & Interest
Fixed
$0
$500
80%
  • Investor
  • Fixed 1 Year
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.29% p.a.
5.37% p.a.
$2,204
Interest-only
Fixed
$0
$500
80%
  • Investor
  • Fixed 3 Years
  • Interest-only
  • 20% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
5.34% p.a.
5.39% p.a.
$2,789
Principal & Interest
Variable
$0
$500
80%
  • Owner Occupier
  • Variable
  • Principal & Interest
  • 20% Min Deposit
  • Offset
  • Redraw
  • Extra Repayments
  • More details
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Important Information and Comparison Rate Warning

What you need to know about Easy Street home loans

Easy Street Financial Services is the digital-only arm of Community First Bank, offering just two straightforward choices: a Street Smart Variable or a Street Smart Fixed home loan. Both owner-occupiers and investors pay the same advertised rate and all lending is delivered online or by phone with no branch network.

You might find Easy Street a good fit if you:

  • Want the same low rate whether you live in the property or rent it out
    Easy Street prices its fixed and variable loans identically for owner-occupiers and investors so investors don't pay a premium.

  • Prefer fee-free loans
    Neither its variable nor fixed rate product charges monthly or annual service fees once the loan is set up.

  • Need an offset account (even on a fixed rate)
    Borrowers can add up to two 100% offset accounts per loan at no extra cost, and the feature is available on both variable and fixed options.

  • Plan to make lump-sum or extra repayments
    Both loans allow unlimited additional repayments and free redraws, while break costs apply only if you pay a fixed loan out in full before the term ends.

  • Have at least a 20% deposit
    Easy Street lends up to 80% of a property's value (maximum loan-to-value ratio [LVR] of 80%).

  • Are comfortable with fully digital banking
    Applications are completed online or by phone, and day-to-day banking is handled via internet and mobile banking.

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