Easy Residential
From 5.89%
*No Clawback LVR 80%
About Easy Residential
- Max LVR: 95%
- Max Loan Amount: $2,000,000
- No Clawback Option Available
- Friendly Cash out Policy
- No Age Restriction
- Valuation Available on Long Form/Short Form/Desktop/AVM
**Further discount for loan applications lodged from 20th October 2025 until 24th December 2025 and may be extended or withdrawn at any time at our discretion:
- PAYG Applicants: 0.1% discount (primary borrower must be PAYG)
- LVR ≤ 65%: 0.05% discount
- Loan Amount ≤ $750K: 0.05% discount
- Loan Amount $1M - $1.25M: 0.1% discount
Loan Purpose and Rate - Full Doc Standard
Owner Occupied
OO: 6.22% PI (LVR ≤ 80%, Max Loan $1M）
- Interest rate from 6.22% P.A.
- Comparison rate from 6.53% P.A.
Investment
INV: 6.61% PI (LVR ≤ 80%, Max Loan $1M)
- Interest rate from 6.61% P.A.
- Comparison rate from 6.92% P.A.
Loan Purpose and Rate - Alt Doc
Owner Occupied
OO:6.52% PI (LVR ≤ 80%, Max Loan $1M)
- Interest rate from 6.52% P.A.
- Comparison rate from 6.83% P.A.
Investment
INV: 6.91% PI (LVR ≤ 80%, Max Loan $1M)
- Interest rate from 6.91% P.A.
- Comparison rate from 7.22% P.A.
Loan Purpose and Rate - Full Doc No Clawback (1% establishment fee applies)
Owner Occupied
OO: 5.89% PI (LVR ≤ 80%, Max $1M)
- Interest rate from 5.89% P.A.
- Comparison rate from 6.20% P.A.
Investment
INV: 6.28% PI (LVR ≤ 80%, Max $1M)
- Interest rate from 6.28% P.A.
- Comparison rate from 6.59% P.A.
Product Summary
| Security type | Residential |
| Loan Amount | $100,000 to $2,000,000 |
| Maximum LVR | 90% |
| Loan Term | Up to 30 years |
| Borrower Type | Individuals, Company or Trust |
| Loan Purpose | New Purchase, Refinance, Equity Release |
| Repayment Method | Direct debit from nominated bank account |
| Redraw Facility | Variable rate loans only. Fee free for internet transaction. Transaction fees apply for requests that are manually processed. |
| Interest structure | Principal and Interest & Interest Only (Up to 5 years) |
| Application Fee | $0 |
| Pre-Assessment Fee | $950 for individuals |
| Settlement Fee | $275 |
Document Checklist
Income Documents (PAYG)
- Latest 2 payslips, or
- Two of the following:
- Letter of employment
- 1 Payslip less than 60 days old
- Most recent ATO Income Statement/Tax Return
- Copy of current employment contract
Income Documents (Self-Employed)
- Last 2 years company tax returns and financial statements
- Last 2 years individual tax return and tax assessment notice
- ABN Registered for 2 years
- Director Wages are accepted as PAYG