Easy Street loans represent great value as not only are our interest rates competitive, our loans also have no monthly account keeping fees, no annual fees, free redraw and our flat application fee covers your legal fees for your first application and the valuation fee of one security.
Below is a full list of Easy Street's loan fees and charges:
Service fees
For a list of other fees such as service fees that may apply, click here.
Credit card fees and charges
Fee |
Amount |
| Credit Card annual fee - payable upon funding initially and is debited from the credit card account each anniversary |
$40 |
| Overseas VISA Credit Card Cash Advance ATM withdrawal^ | $5 |
| Late payment - charged 7 days after a loan repayment is not met, and again at 14 days (iff applicable) |
$25 |
Service |
Amount |
| Replacement of Visa card or wristband (within Australia) | $12.50 |
| Replacement of Visa card or wristband (overseas) | $55 |
| Emergency replacement of Visa card or wristband (overseas) | USD$175* |
| Administration fee applies if replacement request is withdrawn | USD$50* |
| Card extraction fee - urgent request to change the delivery method of card and/or PIN mailers | $45 |
| Copy of Visa Voucher | $20 |
| Visa chargebacks | $25 |
| EFT Investigation Fee - payment made to incorrect account or BPAY Biller; incorrect amount transferred; alleged unauthorised transactions; and request to recall funds | $35 |
| International conversion fee - payable when you use your Visa card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia | 3% of transaction value in AUD$ |
|
*The fee is converted to Australian dollars using the exchange rate valid on the day the emergency card is produced. ^You may also be charged a direct charge fee by the ATM operator for withdrawals or balance enquiries. |
|
Personal loan fees and charges
Fee |
Amount |
| Application fee |
$195 |
| Loan redraw fee |
Free |
| Early repayment fee - you should refer to your loan contract to see if an early repayment fee applies and how it is calculated | Refer to your loan contract |
| Late payment - charged 7 days after a loan repayment is not met, and again at 14 days (if applicable) | $25 |
Home loan fees and charges
Fee |
Amount |
| Home loan application fee (one legal and standard valuation fee free for first application, for one security only) | $500 |
| Construction loan application fee (Includes application fee, inspections fees and drawdown fees throughout construction period. Legal fees are paid in addition to this and are at cost) | $1,500 |
| Solicitors fee | $0 (first application legal fee covered in application fee) |
| Valuation fee | $0 (valuation of one security covered in application fee) |
| Production of deeds | At Cost |
|
Loan variation – 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 per variation |
| Loan redraw fee | FREE |
| Early repayment fee - you should refer to your home loan contract to see if an early repayment fee applies and how it is calculated | Refer to your loan contract |
|
Special Attendance Fee - Mortgage discharge
|
$300 + at cost fees |
| Special Attendance Fee Includes consent to second mortgage, lease, etc. |
At cost |
|
Re-issue Loan Documentation Fee - Payable if a borrower requests to restructure a loan between approval and funding which results in issuance of a new loan document. |
$125 |
| Late payment – charged 7 days after a loan repayment is not met, and again at 14 days (if applicable) | $25 |
| Default notice fee | $50 |
| Mortgage default notice fee | At cost |
| Failure to comply notice | $25 |
| Rental or contract performance guarantee | $250 upfront preparation fee plus $250 p.a. (paid in advance) |
| Lender's Mortgage Insurance (LMI) - applicable to home loans for amounts greater than 80% of the valuation of the purchase price, whichever is less. | Available on application |