{
  "source": "https://public.cdr.mezy.mamoney.com.au/cds-au/v1/banking/products/9407feb2-af13-47ab-8144-d61c370aea69",
  "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": "Category 1 Full Doc: maximum $3m at <=75% LVR. Category 2 Full Doc: maximum $1.5m at <=70% LVR. Base rate loan-size caps apply; large-loan loading +0.40% applies to eligible loans >70% LVR up to $3m.",
        "additionalValue": "3000000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Maximum LVR 75%, subject to loan amount, documentation type, postcode category, security type and credit assessment criteria.",
        "additionalValue": "0.7500",
        "constraintType": "MAX_LVR"
      }
    ],
    "description": "Mortgage Ezy Propel Ezy Vacant Land Full Doc loan. Loans from $100,000 to $3m. Maximum LVR 75%. Owner Occupied and Investment. No investment loading. Large-loan loading +0.40% applies for eligible loans >70% LVR up to $3m. Risk fee 1.25% for loans from $100k to $1.5m up to 75% LVR. Loan term up to 40 years. 100% offset available.",
    "eligibility": [
      {
        "additionalInfo": "Individual (including as trustee for trust), company, or trust. Individual borrowers must be Australian citizens, NZ citizens residing in Australia, or Australian Permanent Resident Visa holders. Expat borrowers (Australian citizens/PR holders living and working overseas) also accepted.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Canada, China, Finland, France, Germany, Hong Kong, Italy, Japan, New Zealand, Norway, Qatar, Saudi Arabia, Singapore, Spain, Sweden, United Kingdom, United Arab Emirates, United States of America. Other countries considered on application.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Loan term up to 40 years. IO for up to 5 years for Owner Occupied and up to 10 years for Investment, then reverting to P&I. Full Doc Vacant Land IO loading +0.20% applies within guide conditions.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Serviceability assessment applies. See Mortgage Ezy Propel Ezy Vacant Land guide at mezy.com.au.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Category 1 Full Doc: maximum $3m at <=75% LVR. Category 2 Full Doc: maximum $1.5m at <=70% LVR. Base rate loan-size caps apply; large-loan loading +0.40% applies to eligible loans >70% LVR up to $3m.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Full Documentation: PAYG — 2 recent payslips; Self-Employed — 1 year tax return and NOA. See Mortgage Ezy Propel Ezy Vacant Land guide at mezy.com.au.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Offset account available. Fee varies by LVR tier.",
        "featureType": "OFFSET"
      },
      {
        "additionalInfo": "Full Doc Vacant Land IO available within guide conditions. IO loading +0.20% at <=75% LVR and <=$1.5m.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "No investment rate loading applies to Propel Ezy Vacant Land Full Doc.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Large-loan loading +0.40% applies to eligible loans >70% LVR and <=$3m.",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Manual application fee for the Vacant Land <=70% LVR fee table. GST applies.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "900.00"
        },
        "name": "Application Fee - Manual Application (<=70% LVR)"
      },
      {
        "additionalInfo": "Electronic application fee for the Vacant Land <=70% LVR fee table. GST applies.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "700.00"
        },
        "name": "Application Fee - Electronic Application (<=70% LVR)"
      },
      {
        "additionalInfo": "Application fee under the higher-LVR Vacant Land fee table (>70% to 75% LVR where applicable). Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "500.00"
        },
        "name": "Application Fee - Full Doc (higher-LVR fee table)"
      },
      {
        "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": "Professional legal fee is $0 under the Vacant Land <=70% LVR fee table; disbursements, government charges and funder contract processing fees may apply. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Funder's Legal Fee (<=70% LVR)"
      },
      {
        "additionalInfo": "Legal fee from $400 plus disbursements under the higher-LVR Vacant Land fee table. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Funder's Legal Fee (higher-LVR fee table)",
        "variable": {
          "feeMinimum": "400.00"
        }
      },
      {
        "additionalInfo": "Settlement fee under the Vacant Land <=70% LVR fee table. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "150.00"
        },
        "name": "Settlement Fee (<=70% LVR)"
      },
      {
        "additionalInfo": "No settlement fee under the higher-LVR Vacant Land fee table. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Settlement Fee (higher-LVR fee table)"
      },
      {
        "additionalInfo": "Annual fee under the Vacant Land <=70% LVR fee table. Excludes GST.",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "395.00"
        },
        "name": "Annual Fee (<=70% LVR)"
      },
      {
        "additionalInfo": "Monthly offset fee under the higher-LVR Vacant Land fee table. Excludes GST.",
        "additionalValue": "P1M",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Monthly Offset Fee (higher-LVR fee table)"
      },
      {
        "additionalInfo": "Discharge fee from $795 plus agent costs under the Vacant Land <=70% LVR fee table. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EXIT",
        "name": "Discharge Fee (<=70% LVR)",
        "variable": {
          "feeMinimum": "795.00"
        }
      },
      {
        "additionalInfo": "Discharge fee from $550 plus agent costs under the higher-LVR Vacant Land fee table. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EXIT",
        "name": "Discharge Fee (higher-LVR fee table)",
        "variable": {
          "feeMinimum": "550.00"
        }
      },
      {
        "additionalInfo": "Risk fee 1.25% of loan amount applies for loans from $100k to $1.5m up to 75% LVR. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Funder Risk Fee",
        "rateBased": {
          "rate": "0.0125",
          "rateType": "BALANCE"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-13T02:55:01Z",
    "lendingRates": [
      {
        "additionalInfo": "Full Doc Vacant Land base rate - Full Doc VL - LVR <=70% - loan size up to $1.5m - Owner Occupied P&I. No investment loading applies.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0820",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0774",
        "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 VL - LVR <=70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land base rate - Full Doc VL - LVR <=70% - loan size up to $1.5m - Owner Occupied IO. No investment loading applies. Includes +0.20% interest-only loading.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0794",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.0000",
            "name": "Full Doc VL - LVR <=70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land base rate - Full Doc VL - LVR <=70% - loan size up to $1.5m - Investment P&I. No investment loading applies.",
        "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 up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.0000",
            "name": "Full Doc VL - LVR <=70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land base rate - Full Doc VL - LVR <=70% - loan size up to $1.5m - Investment IO. No investment loading applies. Includes +0.20% interest-only loading.",
        "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 up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.0000",
            "name": "Full Doc VL - LVR <=70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land base rate - Full Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Owner Occupied P&I. No investment loading applies.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "comparisonRate": "0.0811",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0799",
        "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 VL - LVR >70% to <=75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land base rate - Full Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Owner Occupied IO. No investment loading applies. Includes +0.20% interest-only loading.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0819",
        "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 VL - LVR >70% to <=75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land base rate - Full Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Investment P&I. No investment loading applies.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0799",
        "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 VL - LVR >70% to <=75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land base rate - Full Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Investment IO. No investment loading applies. Includes +0.20% interest-only loading.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0819",
        "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 VL - LVR >70% to <=75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land large-loan rate - >70% to <=75% LVR - Owner Occupied P&I. Includes +0.40% large-loan loading. No investment loading applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Large-loan loading +0.40% applies to eligible Full Doc Vacant Land loans >70% LVR and <=$3m.",
            "rateApplicabilityType": "OTHER"
          },
          {
            "additionalInfo": "Applies above 70% to 75% LVR, subject to guide loan-size and postcode limits.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0839",
        "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 VL Large Loan - LVR >70% to <=75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc Vacant Land large-loan rate - >70% to <=75% LVR - Investment P&I. Includes +0.40% large-loan loading. No investment loading applies.",
        "applicabilityConditions": [
          {
            "additionalInfo": "Large-loan loading +0.40% applies to eligible Full Doc Vacant Land loans >70% LVR and <=$3m.",
            "rateApplicabilityType": "OTHER"
          },
          {
            "additionalInfo": "Applies above 70% to 75% LVR, subject to guide loan-size and postcode limits.",
            "rateApplicabilityType": "OTHER"
          }
        ],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0839",
        "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 VL Large Loan - LVR >70% to <=75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Propel Ezy Vacant Land – Full Doc",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "9407feb2-af13-47ab-8144-d61c370aea69"
  }
}