couple relaxing at home - they have a fixed rate home loan
Take advantage of fixed and variable rates at the same time

Create a loan combination that works for you with a Split Home Loan

  • Take advantage of the best features from our home loan range 
  • Combine fixed and variable rate loans in whatever configuration suits you
  • Make repayments weekly, fortnightly or monthly
  • Save on interest by making extra repayments or paying the loans out early

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A Split Home Loan Gives You Both Certainty and Flexibility

Can't decide whether a fixed or variable rate home loan is the best choice for you? No problem – our Split Home Loan is designed to give you the best of both worlds.

An Easy Street Split Home Loan allows you to combine our flexible home loan products in whatever way works best for you. You can allocate your loan balance into two different products and choose to split it between our fixed and variable rate products, or our variable rate products only.

Splitting your home loan allows you to enjoy the certainty of a fixed rate loan and the flexibility of a variable rate loan. You can also access a range of benefits that may not all be offered within the one home loan product.

For example, say you need to borrow $300,000. You want repayment certainty, but you also want to enjoy lower repayments if interest rates fall, while saving on interest with a 100% offset account. An Easy Street Split Home Loan will allow you to achieve all of these objectives. However you want to structure your loan, an Easy Street Split Home Loan gives you the ultimate in choice and flexibility.


  • Borrow from $100,000 
  • Combine fixed and variable rate loans in whatever configuration suits you
  • Purchase, refinance, renovate or invest
  • 24/7 access to your loan via Internet Banking
  • Borrow up to 95% of the purchase price with Lenders Mortgage Insurance
  • Free redraw facility available 24/7 with no minimum redraw amount
  • Additional repayments allowed


  • No monthly or ongoing fees
  • 24/7 access to your loans via Internet Banking
  • Weekly, fortnightly or monthly repayments available
  • Low application fee of $500^


Terms and conditions, fees and charges apply - details available on application. All loans subject to lending guidelines. ^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.

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 immediate response and we will contact you within 1 business day to let you know the next steps