Own & Occupy



Variable rate



Comparison rate

Get a variable rate home loan with loads of features and an optional 100% offset account!

Key Features

  • Choose between weekly, fortnightly and monthly repayments
  • Make extra repayments at any time without penalty
  • Free & unlimited electronic redraw
  • Optional 100% offset account
  • Available for vacant land & construction
Additional features
Total upfront fees$1,170^
Offset availableOptional
Redraw fee$0
Annual loan administration fee$0
Minimum loan amount$50,000
Maximum loan amount<90% LVR; $1,000,000 Single Security
<80% LVR; $3,500,000 Single Security
<75% LVR; $4,000,000 multiple Securities
<70% LVR; $4,500,000 multiple Securities
<65% LVR; $5,000,000 multiple Securities

PAYG Applicants

Self-Employed Applicants

Company Applicants

Discretionary Trust

Your home, your lifestyle

With flexible loan options and facilities, the Lend Ezy Owner Occupied Variable loan is designed to help you get on with a stress-free life.

Our friendly finance managers are on call to answer any of your questions.

  • Optional 100% offset account ($10/month)
  • Make unlimited extra repayments without penalty
  • Choose between weekly, fortnightly or monthly repayments

Apply right now!

Fill in our ezy no-obligation form and one of our Finance Managers will call you back within one business day.

Everything you need to know in one place

All Features
Min Loan Amount$50,000
Max Loan Amount<90% LVR; $1,000,000 Single Security
<80% LVR; $3,500,000 Single Security
<75% LVR; $4,000,000 multiple Securities
<70% LVR; $4,500,000 multiple Securities
<65% LVR; $5,000,000 multiple Securities
Max Loan Term30 Years
Max LVR80% for Purchases and Refinances
90% plus LMI for purchases, capped at 95% - add 0.10% to rate over 80%
90% including LMI for refinances - add 0.10% to rate over 80%
Construction AvailableYes
Add 0.10% to rate
Refer to your Finance Manager for construction fees and policy
Debt ConsolidationYes
Cash Out/Equity ReleaseYes
Loan Increases/Top UpsYes
Interest Only RepaymentsNo
Accounts & Repayments
100% OffsetTransactional Offset is optional at $10/month
VISA debit card with Offset Account
Full Redraw FacilityFree, unlimited electronic redraw, no minimum
$50 for manual redraw, $500 minimum
Additional RepaymentsCan be made at any time without penalty
No minimum or maximum
Multiple Loan SplitsUp to 4 splits available at no cost
Repayment FrequencyWeekly
Repayment MethodElectronic transfer
Direct Debit
Salary credit/salary sacrifice
Switch LoansYes
Fees & Charges Breakdown
Application Fee$440
Loan Processing Fee$0
Third Party Valuation Fee$250
^Valuation Fee includes one free Valuation up to $330 if paid at application lodgement, otherwise higher fee at cost with a minimum of $330
^Loans >$1M: $0, covers up to $1,000
Extra Third Party Valuation Fee^At cost
Third Party Legal FeesAt cost
Estimate $330
^Legal fees do not cover disbursements, government charges, and any funder’s contract processing fee.
Other Upfront FeesConstruction Administration Fee:

Construction Progress Inspection Fee:
$300 same state borrower
$750 interstate borrower
Settlement Fee$150
$295 if Construction
Monthly Fee$0
$10 if Offset account selected
Annual Fee$0
Discharge Fee$500
Early Repayment/Termination Fees$0
Acceptable Security TypesRefer to your Finance Manager for security acceptance policy
Guarantor - FamilyYes
Guarantor - OtherNo
Borrower Eligibility
Self EmployedYes
Discretionary TrustYes