{
  "source": "https://public.cdr.mezy.mamoney.com.au/cds-au/v1/banking/products/53ae64b1-21f0-497c-a08a-ce3939961760",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.mezy.com.au",
      "feesAndPricingUri": "https://www.mezy.com.au",
      "overviewUri": "https://www.mezy.com.au",
      "termsUri": "https://www.mamoney.com.au/terms-conditions/"
    },
    "brand": "Mortgage Ezy",
    "brandName": "Mezy Assets Pty Ltd t/as Mortgage Ezy",
    "constraints": [
      {
        "additionalInfo": "Minimum loan $100,000.",
        "additionalValue": "100000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Maximum loan $2.5m at ≤75% LVR; $2m at ≤80%; $1.5m at ≤85%; $1m at ≤90%.",
        "additionalValue": "2500000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Maximum LVR 90%, subject to loan amount, documentation type, postcode category, security type and credit assessment criteria.",
        "additionalValue": "0.9000",
        "constraintType": "MAX_LVR"
      }
    ],
    "description": "Mortgage Ezy Propel Full Doc residential loan. Loans from $100,000 to $2.5m. Maximum LVR 90% (1.1 NDI required). Cash out for any purpose. Individual, Company or Trust. No Credit Score, CCR or DTI. Risk fee: no fee at ≤80%; 1.00% at 80–85%; 2.00% at 85–90%. Risk Fee Reducer available at ≤85% LVR (add 0.50% rate in lieu of fee).",
    "eligibility": [
      {
        "additionalInfo": "No Credit Score, CCR or DTI requirements. All income types accepted. Individual, Company or Trust borrowers acceptable. See Mortgage Ezy Propel Full Doc guide at mezy.com.au for full criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Net Debt to Income (NDI) of 1.1 required at LVR above 80%. Common Debt Reducer available. Genuine Savings not required. See Mortgage Ezy guide at mezy.com.au.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Category 1: maximum $2.5m at ≤75% LVR; $2m at ≤80%; $1.5m at ≤85%; $1m at ≤90%. Category 2: maximum $1.5m at ≤80% LVR. Category 3: maximum $500k at ≤70% LVR.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Loan term up to 40 years (30–40 year term for first home buyers aged ≤40 only). OO IO up to 5 years; Investment IO up to 10 years.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Full Documentation (Full Doc): PAYG — 2 recent payslips. Self-Employed — 1 year personal tax return and NOA (no older than 21 months). Simple Self-Employed (company directors): 3 months payslips and last ATO income statement. Alt Doc accepted: Accountant Letter, Business Bank Statements, or BAS. See Mortgage Ezy Propel Full Doc guide at mezy.com.au.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "100% offset available. Monthly offset fee of $10.",
        "featureType": "OFFSET"
      },
      {
        "additionalInfo": "IO repayments available: OO up to 5 years, Investment up to 10 years.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Cash out available for any purpose to maximum LVR.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Risk Fee Reducer available at ≤85% LVR & ≤$1.5m: pay 0.50% rate loading instead of risk fee.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "40 year loan term available for first home buyers aged ≤40.",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Application fee $500. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "500.00"
        },
        "name": "Application Fee"
      },
      {
        "additionalInfo": "Valuation fees at cost, minimum $250. Additional costs may apply for regional, acreage or >$1m EMV properties. Minimum $50 cancellation fee per security if valuation does not proceed. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Valuation Fee",
        "variable": {
          "feeMinimum": "250.00"
        }
      },
      {
        "additionalInfo": "Legal fee from $400 plus disbursements. Fees do not cover government charges and funder's contract processing fee. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Funder's Legal Fee",
        "variable": {
          "feeMinimum": "400.00"
        }
      },
      {
        "additionalInfo": "No settlement fee. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Settlement Fee"
      },
      {
        "additionalInfo": "Monthly offset account fee $10 per month. Excludes GST.",
        "additionalValue": "P1M",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Monthly Offset Fee"
      },
      {
        "additionalInfo": "Discharge fee $550 plus agent costs. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EXIT",
        "name": "Discharge Fee",
        "variable": {
          "feeMinimum": "550.00"
        }
      },
      {
        "additionalInfo": "Risk fee 1.00% of the loan amount applies at LVR >80% to 85% for loans up to $1.5m. No risk fee applies at ≤80% LVR. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Risk Fee – LVR >80% to 85%",
        "rateBased": {
          "rate": "0.0100",
          "rateType": "BALANCE"
        }
      },
      {
        "additionalInfo": "Risk fee 2.00% of the loan amount applies at LVR >85% to 90% for loans up to $1m. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Risk Fee – LVR >85% to 90%",
        "rateBased": {
          "rate": "0.0200",
          "rateType": "BALANCE"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-13T02:54:53Z",
    "lendingRates": [
      {
        "additionalInfo": "Full Doc – LVR ≤70% – OO P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0680",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0674",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – OO IO. IO loading +0.20%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0694",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Inv P&I. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0704",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Inv IO. IO loading +0.20%. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0724",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – OO P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0695",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0689",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full Doc – LVR ≤75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – OO IO. IO loading +0.20%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0709",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full Doc – LVR ≤75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Inv P&I. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0719",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full Doc – LVR ≤75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Inv IO. IO loading +0.20%. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0739",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full Doc – LVR ≤75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤80% – OO P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0695",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0689",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full Doc – LVR ≤80%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤80% – OO IO. IO loading +0.20%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0709",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full Doc – LVR ≤80%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤80% – Inv P&I. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0719",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full Doc – LVR ≤80%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤80% – Inv IO. IO loading +0.20%. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0739",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full Doc – LVR ≤80%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤85% – OO P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0745",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0734",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 80.00% and up to and including 85.00%.",
            "maximumValue": "0.8500",
            "minimumValue": "0.8001",
            "name": "Full Doc – LVR ≤85%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤85% – OO IO. IO loading +0.20%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0754",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 80.00% and up to and including 85.00%.",
            "maximumValue": "0.8500",
            "minimumValue": "0.8001",
            "name": "Full Doc – LVR ≤85%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤85% – Inv P&I. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0764",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 80.00% and up to and including 85.00%.",
            "maximumValue": "0.8500",
            "minimumValue": "0.8001",
            "name": "Full Doc – LVR ≤85%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤85% – Inv IO. IO loading +0.20%. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0784",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 80.00% and up to and including 85.00%.",
            "maximumValue": "0.8500",
            "minimumValue": "0.8001",
            "name": "Full Doc – LVR ≤85%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤90% – OO P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0760",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0744",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 85.00% and up to and including 90.00%.",
            "maximumValue": "0.9000",
            "minimumValue": "0.8501",
            "name": "Full Doc – LVR ≤90%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤90% – OO IO. IO loading +0.20%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0764",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 85.00% and up to and including 90.00%.",
            "maximumValue": "0.9000",
            "minimumValue": "0.8501",
            "name": "Full Doc – LVR ≤90%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤90% – Inv P&I. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0774",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 85.00% and up to and including 90.00%.",
            "maximumValue": "0.9000",
            "minimumValue": "0.8501",
            "name": "Full Doc – LVR ≤90%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤90% – Inv IO. IO loading +0.20%. Investor loading +0.30%.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0794",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 85.00% and up to and including 90.00%.",
            "maximumValue": "0.9000",
            "minimumValue": "0.8501",
            "name": "Full Doc – LVR ≤90%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Propel Full Doc",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "53ae64b1-21f0-497c-a08a-ce3939961760"
  }
}