Couple enjoying a party with the security of a 2 year fixed rate home loan from easy street
Peace of mind with the same low rate for 2 years

Fixed on value

  • Enjoy the certainty of a low fixed interest rate for 2 years
  • Flexibility of a 100% offset account linked to help you save on interest
  • No monthly or ongoing fees, including free redraw
  • Save on interest by making extra repayments up to $25,000 per year without penalty, even during the fixed period
  • Revert to our standard variable home loan at the end of the term or choose a further fixed period
Interest Rate From
% p.a.*
Comparison Rate From
% p.a.**

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2 Year Fixed Home Loan

Current Interest Rate

Comparison Rate

Owner-occupied - Principal & Interest

3.85% p.a.*

4.18% p.a.**
Owner-occupied - Interest Only 4.20% p.a.* 4.23% p.a.**
Investment - Principal & Interest 4.25% p.a.* 4.58% p.a.**


Enjoy Certainty When it Comes to Your Home Loan Repayments

Knowing what your home loan repayments will be makes it much easier to budget. Our Fixed Rate Home Loan lets you lock in a low fixed interest rate for 2 years to protect yourself against any increases in interest rates. Our fixed loans are packed with flexible features to help you minimise interest including a 100% offset account, free redraw and the ability to make extra repayments on the loan of up to $25,000 per year for free. You can make extra repayments above this amount however you may be penalised.
  • 100% offset account attached
  • Feel confident knowing your repayments are locked for 2 years
  • Reverts to our standard variable product at the end of the term or choose a further fixed period
  • Borrow from $50,000
  • Owner-occupiers can borrow up to 95% of the purchase price (with lenders mortgage insurance)
  • Investors can borrow up to 80% of the property value
  • Weekly, fortnightly or monthly repayment options
  • Make extra repayments up to $25,000 each year without penalty
  • Free redraw facility available 24/7 with no minimum redraw amount
  • No monthly or ongoing fees
  • 24/7 access to your loan via Internet Banking
  • Low application fee of $500^
  • Purchase, refinance, renovate or invest

Interest Rate Lock

We'll guarantee the fixed rate that was current when your loan was conditionally approved when you select our rate lock option

When applying for a fixed home loan, you have the option of locking in the fixed interest rate that is current at the conditional approval stage, for a maximum period of 90 days.  This means that even if our fixed interest rates change between the date of conditional approval and funding, you will still receive the interest rate current at the conditional approval stage (unless the rate at funding is lower).

The rate lock fee is $500 or 0.15% of the loan amount, whichever is higher. If you request a rate lock fee, you will be charged the fee when your loan is conditionally approved and your rate is locked in. To take advantage of this option, ask one of our home loan specialists when you apply.


Access to a dedicated home loan specialist

At Easy Street, we help make the process easy

We know that applying for a home loan can be time consuming and sometimes stressful – we’re here to help and make the process as easy as it can be.

When you apply for an Easy Street Home Loan, you’ll be given a dedicated Home Loan Specialist who’s there to guide you through the entire process from application to approval.


Apply now

Apply now if you:

  • Are over 18 years of age
  • Have a regular income and are not on probation
  • Are an Australian citizen or a permanent resident
  • Have not defaulted on any loans, credit cards, store cards or interest free finance arrangements in the last 5 years
  • Are not bankrupt

Two easy, flexible ways to apply:

  • Apply over the phone – Call us on 1300 13 14 65 between 8am and 8pm Monday to Friday or between 8am and 3pm on Saturdays.
  • Request a call back – Simply fill out our contact form and we’ll contact you at a time that suits you

Managing your Home Loan is easy

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It's easy being green

Easy Street e-Statements provide your account history at the click of a button and are kind to the environment. Never lose a statement again!

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24/7 Access

Easy Street Internet Banking gives you 24/7 access to your Home or Investment Loan and the ability to redraw any payments made in advance.

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Fancy a chat?

We're here to help. Contact our local call centre on 1300 13 14 65 between 8am and 8pm Monday to Friday or between 8am and 3pm on Saturdays.

Once you submit your application

You will receive an instant response and we will contact you within 1 business day to let you know the next steps

Terms and conditions, fees and charges apply - details available on application. All loans subject to lending guidelines. *Rates are current as at 8/11/17 and subject to change without notice. After the fixed interest rate period, the interest rate on the loan reverts back to our standard variable rate. ^Application fees will be charged and calculated on a per application and per security basis and includes the cost of one valuation fee only, subsequent valuations will be charged at the standard rate and could incur additional legal fees. Application fee excludes government charges. **Comparison rate is calculated on a loan amount of $150,000 over 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.