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:
Credit card fees and charges
Fee |
Amount |
| Visa 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 (within Australia) | $12.50 |
| Card extraction fee - urgent request to change the delivery method of card and/or PIN mailers | $45 |
| Replacement of Visa card (overseas) | USD$175* |
| Administration fee applies if replacement request is withdrawn | USD$50* |
| Copy of Visa Voucher | $20 |
| Visa chargebacks | $25 |
| International conversion fee - payable when you use your Visa card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia | 3% of transaction value in AUD$ |
|
*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 (legal and valuation fee free for first application, for one security only) | $500 |
| Loan top up fee on existing home loan | Up to $250 |
| Solicitors fee | $0 (first application legal fee covered in application fee) |
| Valuation fee | $0 (valuation of one security covered in application fee) |
| Split loan request | $500 |
| Production of deeds | At Cost |
| Switching fee – charged when home loan members opt to switch into a different loan type. | $500 |
| Re-fix fee – charged when at the end of a fixed rate home loan term members opt to re-fix their home loan for any period. | $250 |
| 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 |
| Special Attendance Fee Includes consent to second mortgage, lease, variation or substitution of security. |
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 |