Propel Ezy Expat Lite
Mortgage Ezy Propel Ezy Expat Lite residential loan for Australian citizens or Permanent Resident Visa holders living and working overseas, or earning income in overseas currency. Full Doc. Loans from $100,000 to $2m. Maximum LVR 80%. 100% of net income converted to AUD. 100% offset available. Loan term up to 40 years. Risk fee 1.00%. Professional legal fee included in application fee.
- From (owner occupied)
- 6.94%
- 7.4% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Expat Lite – LVR ≤65% – OO P&I. | 6.94% | 7.4% | Expat Lite – LVR ≤65% |
| Variable Expat Lite – LVR ≤70% – OO P&I. | 6.99% | 7.45% | Expat Lite – LVR ≤70% |
| Variable Expat Lite – LVR ≤75% – OO P&I. | 7.24% | 7.7% | Expat Lite – LVR ≤75% |
| Variable Expat Lite – LVR ≤80% – OO P&I. | 7.34% | 7.79% | Expat Lite – LVR ≤80% |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee Application fee: $900+GST (manual) or $700+GST (electronic). Professional legal fee included in application fee. Excludes GST. | Upfront | $900.00 |
| Valuation Fee Valuation fees at cost, minimum $250. Minimum $50 cancellation fee per security. Excludes GST. | Event | From $250.00 |
| Funder's Legal Fee Professional legal fee included in the application fee. Plus disbursements. Excludes GST. | Event | $0.00 |
| Settlement Fee Settlement fee $150. Excludes GST. | Event | $150.00 |
| Annual Fee Charged yearly · Annual fee $395. Excludes GST. | Ongoing | $395.00 |
| Discharge Fee Discharge fee from $795 plus agent costs. Excludes GST. | Exit | From $795.00 |
| Risk Fee Risk fee 1.00% of loan amount applies at all LVRs up to 80%. Excludes GST. |
Features
- Offset account
- 100% offset account available. Annual fee $395.
- IO available: OO up to 5 years; Investment up to 10 years.
- 100% of net foreign income converted to AUD accepted for serviceability.
Eligibility
- Expat borrowers: Australian citizens or Australian Permanent Resident Visa holders living and working overseas, or living in Australia earning income in overseas currency. Individual (including as trustee for trust), company (≤5 directors, domiciled in Australia), or trust.
- 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 — speak to your Account Manager.
- Category 1: maximum $2m at ≤80% LVR. Category 2: maximum $1.5m at ≤80%. Category 3: maximum $500k at ≤70% LVR.
- Loan term up to 40 years. 30–40 year term for first home buyers aged ≤40. OO IO up to 5 years; Investment IO up to 10 years.
- Full Documentation only. 100% of net overseas income converted to AUD for assessment. See Mortgage Ezy Propel Ezy Expat guide at mezy.com.au.
- Serviceability assessment applies. See Mortgage Ezy guide at mezy.com.au.
Constraints
- Minimum limit — $100,000.00Minimum loan $100,000.
- Maximum limit — $2,000,000.00Category 1: maximum $2m at ≤80% LVR. Category 2: maximum $1.5m at ≤80%. Category 3: maximum $500k at ≤70%.
- Maximum LVR — 80%Maximum LVR 80%, subject to loan amount, documentation type, postcode category, security type and credit assessment criteria.
More Information
Published by Mortgage Ezy under the Consumer Data Right · Last updated 13 July 2026 · Product ID 01041d45-69ad-44f3-aaa8-ef3ace182832