{ "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "public_base_uri": "https://ebranch.easystreet.com.au/es-OpenBanking", "logo_uri": "https://cms.easystreet.com.au/wp-content/uploads/2025/04/Easy-Street-logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-10-21T04:27:48Z", "at_a_glance": { "note": "This bank's lowest ranked rate per purpose, repayment type and rate kind, one line each: the lowest of the bank's own entries in the best/{purpose}/{repayment}/{lvr}/{loan}/{kind}.json buckets (broker-only rates left out, as there), so it matches best/ and top/. A bank that lends only to a named group (restricted membership) is left out of their entries and top but listed in entries_with_restricted; its lines here carry eligibility, a key into eligibility_sets saying who can borrow, with the bank's own words. reference_lvrs are the bucket LVRs where it is the bank's entry; a higher LVR usually costs more and that rate is in rows. Null lvr_min and lvr_max mean the bank states no LVR band, read as up to 80%. conditions is a key into condition_sets. unranked counts the rows no bucket ranks. comparison_rate_at_600000_pct is our comparison rate for a $600,000 loan over 25 years from the bank's published fees, not the bank's own figure (comparison_rate_pct, on $150,000); null where our check against the bank's figure failed or a fixed rate's revert rate is not known. Every product and rate row follows in products and rows.", "rates": [ {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"variable","rate_pct":6.29,"comparison_rate_pct":6.34,"comparison_rate_at_600000_pct":6.3,"product_label":"STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.54,"comparison_rate_pct":6.36,"comparison_rate_at_600000_pct":6.32,"product_label":"1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.54,"comparison_rate_pct":6.39,"comparison_rate_at_600000_pct":6.35,"product_label":"2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"owner_occupied","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.44,"comparison_rate_pct":6.38,"comparison_rate_at_600000_pct":6.34,"product_label":"3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"owner_occupied","repayment":"interest_only","kind":"variable","rate_pct":6.44,"comparison_rate_pct":6.4,"comparison_rate_at_600000_pct":null,"product_label":"STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"investment","repayment":"principal_and_interest","kind":"variable","rate_pct":6.29,"comparison_rate_pct":6.34,"comparison_rate_at_600000_pct":6.3,"product_label":"STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_1","rate_pct":6.54,"comparison_rate_pct":6.36,"comparison_rate_at_600000_pct":6.32,"product_label":"1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_2","rate_pct":6.54,"comparison_rate_pct":6.39,"comparison_rate_at_600000_pct":6.35,"product_label":"2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"investment","repayment":"principal_and_interest","kind":"fixed_3","rate_pct":6.44,"comparison_rate_pct":6.18,"comparison_rate_at_600000_pct":null,"product_label":"3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"investment","repayment":"interest_only","kind":"variable","rate_pct":6.44,"comparison_rate_pct":6.4,"comparison_rate_at_600000_pct":null,"product_label":"STREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k1","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_1","rate_pct":6.84,"comparison_rate_pct":6.39,"comparison_rate_at_600000_pct":null,"product_label":"1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_2","rate_pct":6.84,"comparison_rate_pct":6.44,"comparison_rate_at_600000_pct":null,"product_label":"2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true}, {"purpose":"investment","repayment":"interest_only","kind":"fixed_3","rate_pct":6.74,"comparison_rate_pct":6.46,"comparison_rate_at_600000_pct":null,"product_label":"3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)","lvr_min":0,"lvr_max":80,"reference_lvrs":[60,70,80],"loan_min":50000,"loan_max":null,"annual_fee":null,"upfront_fees":500,"exit_fees":null,"conditions":"k2","restrictions":[],"eligibility":null,"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "k2": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ] }, "unranked": { "rows": 0 } }, "source": "Each bank's own published product data (its Consumer Data Right Product Reference Data API, public and unauthenticated), plus a few terms that data leaves out, read from the bank's own pages", "licence_note": "Rates are published by each bank as public product reference data, as the Consumer Data Right requires, and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice and the rate a borrower is offered depends on the bank's assessment; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "L51-ES1YRF-INVIO", "product_name": "1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_label": "1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_url": "https://easystreet.com.au/fixed-home-loan", "product_url_source": "feed", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "terms_url_source": "found by hand 2026-11-01: target market determination", "description": "A fixed rate for 1 year for investors wanting certainty of repayments for a period. Comes with a 100% offset account, the ability to make extra repayments and no monthly or annual fees.", "offset": true, "redraw": true, "extra_repayments": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "fees": [ { "name": "HOME_LOAN_APPLICATION_FEE", "fee_type": "UPFRONT", "amount": 500.0, "frequency": null, "info": "Includes application, one legal and standard valuation fee free for first application, for one security only." }, { "name": "LOAN_VARIATION_FEE", "fee_type": "EVENT", "amount": 250.0, "frequency": null, "info": "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…" }, { "name": "SPECIAL_ATTENDANCE", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "$300 + at cost fees" }, { "name": "RE-ISSUE_LOAN_DOCUMENTATION_FEE", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": null }, { "name": "LATE_PAYMENT", "fee_type": "LATE_PAYMENT", "amount": 25.0, "frequency": null, "info": null }, { "name": "DEFAULT_NOTICE_FEE", "fee_type": "TRANSACTION", "amount": 50.0, "frequency": null, "info": null }, { "name": "FAILURE_TO_COMPLY_NOTICE", "fee_type": "EVENT", "amount": 25.0, "frequency": null, "info": null }, { "name": "RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE", "fee_type": "EVENT", "amount": 500.0, "frequency": null, "info": "$250 upfront preparation fee plus $250 p.a. (paid in advance)" }, { "name": "EARLY_REPAYMENT_FEE_(ERF)", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Refer to loan contract" }, { "name": "PRODUCTION_OF_DEEDS", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "SPECIAL_ATTENDANCE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "MORTGAGE_DEFAULT_NOTICE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "COPY_OF_PRINT_STATEMENT_-_FEE", "fee_type": "EVENT", "amount": 1.5, "frequency": null, "info": "$1.50 per page" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES1YRF-INVIO", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES1YRF-INVIO.json", "snapshot_at": "2026-10-21T22:39:40Z", "bank_last_updated": "2026-10-21T15:27:48.000+11:00", "correction": null, "row_count": 1, "conditions": [ "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ] }, { "product_id": "L51-ES1YRF-INVPI", "product_name": "1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_label": "1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "product_url_source": "feed", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "terms_url_source": "found by hand 2026-11-01: target market determination", "description": "A fixed rate for 1 year for investors wanting certainty of repayments for a period. Comes with a 100% offset account, the ability to make extra repayments and no monthly or annual fees.", "offset": true, "redraw": true, "extra_repayments": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "fees": [ { "name": "HOME_LOAN_APPLICATION_FEE", "fee_type": "UPFRONT", "amount": 500.0, "frequency": null, "info": "Includes application, one legal and standard valuation fee free for first application, for one security only." }, { "name": "LOAN_VARIATION_FEE", "fee_type": "EVENT", "amount": 250.0, "frequency": null, "info": "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…" }, { "name": "SPECIAL_ATTENDANCE", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "$300 + at cost fees" }, { "name": "RE-ISSUE_LOAN_DOCUMENTATION_FEE", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": null }, { "name": "LATE_PAYMENT", "fee_type": "LATE_PAYMENT", "amount": 25.0, "frequency": null, "info": null }, { "name": "DEFAULT_NOTICE_FEE", "fee_type": "TRANSACTION", "amount": 50.0, "frequency": null, "info": null }, { "name": "FAILURE_TO_COMPLY_NOTICE", "fee_type": "EVENT", "amount": 25.0, "frequency": null, "info": null }, { "name": "RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE", "fee_type": "EVENT", "amount": 500.0, "frequency": null, "info": "$250 upfront preparation fee plus $250 p.a. (paid in advance)" }, { "name": "EARLY_REPAYMENT_FEE_(ERF)", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Refer to loan contract" }, { "name": "PRODUCTION_OF_DEEDS", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "SPECIAL_ATTENDANCE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "MORTGAGE_DEFAULT_NOTICE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "COPY_OF_PRINT_STATEMENT_-_FEE", "fee_type": "EVENT", "amount": 1.5, "frequency": null, "info": "$1.50 per page" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES1YRF-INVPI", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES1YRF-INVPI.json", "snapshot_at": "2026-10-21T22:39:40Z", "bank_last_updated": "2026-10-21T15:27:48.000+11:00", "correction": null, "row_count": 1, "conditions": [ "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ] }, { "product_id": "L43-ES1YRF-OOPI", "product_name": "1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "product_url_source": "feed", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "terms_url_source": "found by hand 2026-11-01: target market determination", "description": "A fixed rate for 1 year for owner occupiers wanting certainty of repayments for a period. Comes with a 100% offset account, the ability to make extra repayments and no monthly or annual fees.", "offset": true, "redraw": true, "extra_repayments": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "fees": [ { "name": "HOME_LOAN_APPLICATION_FEE", "fee_type": "UPFRONT", "amount": 500.0, "frequency": null, "info": "Includes application, one legal and standard valuation fee free for first application, for one security only." }, { "name": "LOAN_VARIATION_FEE", "fee_type": "EVENT", "amount": 250.0, "frequency": null, "info": "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…" }, { "name": "SPECIAL_ATTENDANCE", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "$300 + at cost fees" }, { "name": "RE-ISSUE_LOAN_DOCUMENTATION_FEE", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": null }, { "name": "LATE_PAYMENT", "fee_type": "LATE_PAYMENT", "amount": 25.0, "frequency": null, "info": null }, { "name": "DEFAULT_NOTICE_FEE", "fee_type": "TRANSACTION", "amount": 50.0, "frequency": null, "info": null }, { "name": "FAILURE_TO_COMPLY_NOTICE", "fee_type": "EVENT", "amount": 25.0, "frequency": null, "info": null }, { "name": "RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE", "fee_type": "EVENT", "amount": 500.0, "frequency": null, "info": "$250 upfront preparation fee plus $250 p.a. (paid in advance)" }, { "name": "EARLY_REPAYMENT_FEE_(ERF)", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Refer to loan contract" }, { "name": "PRODUCTION_OF_DEEDS", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "SPECIAL_ATTENDANCE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "MORTGAGE_DEFAULT_NOTICE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "COPY_OF_PRINT_STATEMENT_-_FEE", "fee_type": "EVENT", "amount": 1.5, "frequency": null, "info": "$1.50 per page" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES1YRF-OOPI", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L43-ES1YRF-OOPI.json", "snapshot_at": "2026-10-21T22:39:40Z", "bank_last_updated": "2026-10-21T15:27:33.000+11:00", "correction": null, "row_count": 1, "conditions": [ "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ] }, { "product_id": "L51-ES2YRF-INVIO", "product_name": "2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_label": "2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_url": "https://easystreet.com.au/fixed-home-loan", "product_url_source": "feed", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "terms_url_source": "found by hand 2026-11-01: target market determination", "description": "A fixed rate for 2 years for investors wanting certainty of repayments for a period. Comes with a 100% offset account, the ability to make extra repayments and no monthly or annual fees.", "offset": true, "redraw": true, "extra_repayments": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "fees": [ { "name": "HOME_LOAN_APPLICATION_FEE", "fee_type": "UPFRONT", "amount": 500.0, "frequency": null, "info": "Includes application, one legal and standard valuation fee free for first application, for one security only." }, { "name": "LOAN_VARIATION_FEE", "fee_type": "EVENT", "amount": 250.0, "frequency": null, "info": "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…" }, { "name": "SPECIAL_ATTENDANCE", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": "$300 + at cost fees" }, { "name": "RE-ISSUE_LOAN_DOCUMENTATION_FEE", "fee_type": "EVENT", "amount": 300.0, "frequency": null, "info": null }, { "name": "LATE_PAYMENT", "fee_type": "LATE_PAYMENT", "amount": 25.0, "frequency": null, "info": null }, { "name": "DEFAULT_NOTICE_FEE", "fee_type": "TRANSACTION", "amount": 50.0, "frequency": null, "info": null }, { "name": "FAILURE_TO_COMPLY_NOTICE", "fee_type": "EVENT", "amount": 25.0, "frequency": null, "info": null }, { "name": "RENTAL_OR_CONTRACT_PERFORMANCE_GUARANTEE", "fee_type": "EVENT", "amount": 500.0, "frequency": null, "info": "$250 upfront preparation fee plus $250 p.a. (paid in advance)" }, { "name": "EARLY_REPAYMENT_FEE_(ERF)", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Refer to loan contract" }, { "name": "PRODUCTION_OF_DEEDS", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "SPECIAL_ATTENDANCE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "MORTGAGE_DEFAULT_NOTICE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "COPY_OF_PRINT_STATEMENT_-_FEE", "fee_type": "EVENT", "amount": 1.5, "frequency": null, "info": "$1.50 per page" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES2YRF-INVIO", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES2YRF-INVIO.json", "snapshot_at": "2026-10-21T22:39:40Z", "bank_last_updated": "2026-10-21T15:27:48.000+11:00", "correction": null, "row_count": 1, "conditions": [ "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ] }, { "product_id": "L51-ES2YRF-INVPI", "product_name": "2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_label": "2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "product_url_source": "feed", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "terms_url_source": "found by hand 2026-11-01: target market determination", "description": "A fixed rate for 2 years for investors wanting certainty of repayments for a period. 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(paid in advance)" }, { "name": "PRODUCTION_OF_DEEDS", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "SPECIAL_ATTENDANCE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "MORTGAGE_DEFAULT_NOTICE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "COPY_OF_PRINT_STATEMENT_-_FEE", "fee_type": "EVENT", "amount": 1.5, "frequency": null, "info": "$1.50 per page" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L24-ESSMVR-INVPI-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L24-ESSMVR-INVPI-RD.json", "snapshot_at": "2026-10-21T22:39:40Z", "bank_last_updated": "2026-10-21T15:27:14.000+11:00", "correction": null, "row_count": 1, "conditions": [ "$696 mortgage discharge fee", "Not available for construction loans" ] }, { "product_id": "L22-ESSMVR-OOIO-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only)", "product_label": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only)", "product_url": "https://easystreet.com.au/variable-home-loan", "product_url_source": "feed", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "terms_url_source": "found by hand 2026-11-01: target market determination", "description": "A variable loan for owner occupiers with flexible features such as a 100% offset account to help pay your loan off sooner. 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(paid in advance)" }, { "name": "PRODUCTION_OF_DEEDS", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "SPECIAL_ATTENDANCE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "MORTGAGE_DEFAULT_NOTICE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "COPY_OF_PRINT_STATEMENT_-_FEE", "fee_type": "EVENT", "amount": 1.5, "frequency": null, "info": "$1.50 per page" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOIO-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L22-ESSMVR-OOIO-RD.json", "snapshot_at": "2026-10-22T22:40:57Z", "bank_last_updated": "2026-10-21T15:26:59.000+11:00", "correction": null, "row_count": 1, "conditions": [ "$696 mortgage discharge fee", "Not available for construction loans" ] }, { "product_id": "L22-ESSMVR-OOPI-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/variable-home-loan", "product_url_source": "feed", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "terms_url_source": "found by hand 2026-11-01: target market determination", "description": "A variable loan for owner occupiers with flexible features such as a 100% offset account to help pay your loan off sooner. 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(paid in advance)" }, { "name": "PRODUCTION_OF_DEEDS", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "SPECIAL_ATTENDANCE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "MORTGAGE_DEFAULT_NOTICE_FEE", "fee_type": "EVENT", "amount": 0.0, "frequency": null, "info": "Charged at cost" }, { "name": "COPY_OF_PRINT_STATEMENT_-_FEE", "fee_type": "EVENT", "amount": 1.5, "frequency": null, "info": "$1.50 per page" } ], "fees_as_published": null, "max_lvr": 80.0, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "eligibility": null, "discounts": [], "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L22-ESSMVR-OOPI-RD.json", "snapshot_at": "2026-10-21T22:39:40Z", "bank_last_updated": "2026-10-21T15:26:59.000+11:00", "correction": null, "row_count": 1, "conditions": [ "$696 mortgage discharge fee", "Not available for construction loans" ] } ], "rows": [ { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L51-ES1YRF-INVIO", "product_name": "1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_label": "1 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed_1", "purpose": "investment", "repayment": "interest_only", "rate": 0.0684, "rate_pct": 6.84, "comparison_rate": 0.0639, "comparison_rate_pct": 6.39, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": null, "bank": 6.39, "reason": "revert rate not published" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES1YRF-INVIO", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES1YRF-INVIO.json", "bank_last_updated": "2026-10-21T15:27:48.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L51-ES1YRF-INVPI", "product_name": "1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_label": "1 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed_1", "purpose": "investment", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0636, "comparison_rate_pct": 6.36, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": 0.0629, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 6.35, "bank": 6.36 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES1YRF-INVPI", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES1YRF-INVPI.json", "bank_last_updated": "2026-10-21T15:27:48.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L43-ES1YRF-OOPI", "product_name": "1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "1 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 12, "kind": "fixed_1", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0636, "comparison_rate_pct": 6.36, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": 0.0629, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 6.35, "bank": 6.36 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES1YRF-OOPI", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L43-ES1YRF-OOPI.json", "bank_last_updated": "2026-10-21T15:27:33.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L51-ES2YRF-INVIO", "product_name": "2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_label": "2 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "kind": "fixed_2", "purpose": "investment", "repayment": "interest_only", "rate": 0.0684, "rate_pct": 6.84, "comparison_rate": 0.0644, "comparison_rate_pct": 6.44, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": null, "bank": 6.44, "reason": "revert rate not published" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES2YRF-INVIO", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES2YRF-INVIO.json", "bank_last_updated": "2026-10-21T15:27:48.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L51-ES2YRF-INVPI", "product_name": "2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_label": "2 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "kind": "fixed_2", "purpose": "investment", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0639, "comparison_rate_pct": 6.39, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": 0.0629, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.39 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES2YRF-INVPI", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES2YRF-INVPI.json", "bank_last_updated": "2026-10-21T15:27:48.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L43-ES2YRF-OOPI", "product_name": "2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "2 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 24, "kind": "fixed_2", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0654, "rate_pct": 6.54, "comparison_rate": 0.0639, "comparison_rate_pct": 6.39, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": 0.0629, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 6.38, "bank": 6.39 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES2YRF-OOPI", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L43-ES2YRF-OOPI.json", "bank_last_updated": "2026-10-21T15:27:33.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L51-ES3YRF-INVIO", "product_name": "3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_label": "3 YEAR FIXED HOME LOAN - INVESTMENT (Interest Only)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed_3", "purpose": "investment", "repayment": "interest_only", "rate": 0.0674, "rate_pct": 6.74, "comparison_rate": 0.0646, "comparison_rate_pct": 6.46, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": null, "bank": 6.46, "reason": "revert rate not published" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES3YRF-INVIO", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES3YRF-INVIO.json", "bank_last_updated": "2026-10-21T15:27:48.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L51-ES3YRF-INVPI", "product_name": "3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_label": "3 YEAR FIXED HOME LOAN - INVESTMENT (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed_3", "purpose": "investment", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0618, "comparison_rate_pct": 6.18, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": null, "bank": 6.18, "reason": "no variable rate reproduces the bank's figure" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L51-ES3YRF-INVPI", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L51-ES3YRF-INVPI.json", "bank_last_updated": "2026-10-21T15:27:48.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L43-ES3YRF-OOPI", "product_name": "3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "3 YEAR FIXED HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/fixed-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Fixed-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "fixed", "lending_rate_type": "FIXED", "fixed_months": 36, "kind": "fixed_3", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.0638, "comparison_rate_pct": 6.38, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": 0.0629, "revert_rate_basis": "inferred", "comparison_check": { "ok": true, "ours_at_150k": 6.37, "bank": 6.38 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Reverts to the Street Smart variable rate after the fixed period", "Break cost fee if the loan is paid out in full during the fixed period", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L43-ES3YRF-OOPI", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L43-ES3YRF-OOPI.json", "bank_last_updated": "2026-10-21T15:27:33.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L24-ESSMVR-INVIO-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only)", "product_label": "STREET SMART VARIABLE HOME LOAN - INVESTMENT (Interest Only)", "product_url": "https://easystreet.com.au/variable-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "investment", "repayment": "interest_only", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.48, "bank": 6.4, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L24-ESSMVR-INVIO-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L24-ESSMVR-INVIO-RD.json", "bank_last_updated": "2026-10-21T15:27:14.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L24-ESSMVR-INVPI-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)", "product_label": "STREET SMART VARIABLE HOME LOAN - INVESTMENT (Principal and Interest)", "product_url": "https://easystreet.com.au/variable-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "investment", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0634, "comparison_rate_pct": 6.34, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.33, "bank": 6.34 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L24-ESSMVR-INVPI-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L24-ESSMVR-INVPI-RD.json", "bank_last_updated": "2026-10-21T15:27:14.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L22-ESSMVR-OOIO-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only)", "product_label": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Interest Only)", "product_url": "https://easystreet.com.au/variable-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "interest_only", "rate": 0.0644, "rate_pct": 6.44, "comparison_rate": 0.064, "comparison_rate_pct": 6.4, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": false, "ours_at_150k": 6.48, "bank": 6.4, "reason": "more than 0.05 points from the bank's" }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOIO-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L22-ESSMVR-OOIO-RD.json", "bank_last_updated": "2026-10-21T15:26:59.000+11:00" }, { "brand": "Easy Street", "brand_label": "Easy Street", "brand_slug": "easy-street", "legal_entity_abn": "80087649938", "product_id": "L22-ESSMVR-OOPI-RD", "product_name": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_label": "STREET SMART VARIABLE HOME LOAN - OWNER-OCCUPIED (Principal and Interest)", "product_url": "https://easystreet.com.au/variable-home-loan", "terms_url": "https://cms.easystreet.com.au/wp-content/uploads/2025/06/ES-TMD-Street-Smart-Variable-Home-Loan_Jun25-1.pdf", "record_stale": true, "record_correction": null, "rate_kind": "variable", "lending_rate_type": "VARIABLE", "fixed_months": null, "kind": "variable", "purpose": "owner_occupied", "repayment": "principal_and_interest", "rate": 0.0629, "rate_pct": 6.29, "comparison_rate": 0.0634, "comparison_rate_pct": 6.34, "lvr_min": 0.0, "lvr_max": 80.0, "lvr_source": "product", "loan_min": 50000.0, "loan_max": null, "interest_in_advance": false, "offset": true, "redraw": true, "annual_fee": null, "upfront_fees": 500.0, "exit_fees": null, "revert_rate": null, "revert_rate_basis": null, "comparison_check": { "ok": true, "ours_at_150k": 6.33, "bank": 6.34 }, "restrictions": [], "eligibility": null, "ranked": true, "conditions": [ "not updated by the bank since 2026-10-21, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$696 mortgage discharge fee", "Not available for construction loans" ], "additional_info": "The comparison rate is based on a secured loan amount of $150,000 over a loan term of 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.", "source_url": "https://ebranch.easystreet.com.au/es-OpenBanking/cds-au/v1/banking/products/L22-ESSMVR-OOPI-RD", "source_snapshot": "/au/finance/home-loans/v1/source/easy-street/L22-ESSMVR-OOPI-RD.json", "bank_last_updated": "2026-10-21T15:26:59.000+11:00" } ] }