---
title: "Propel Expat — Mortgage Ezy"
description: "Home Loans from Mortgage Ezy. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a/products/01041d45-69ad-44f3-aaa8-ef3ace182832
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:59:02Z
---

# Propel Expat — Mortgage Ezy

> Home Loans from Mortgage Ezy. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Mezy Assets Pty Ltd t/as Mortgage Ezy**

Mortgage Ezy Propel Expat residential loan for Australian citizens or Australian Permanent Resident Visa holders living and working overseas, or living in Australia and earning income in overseas currency. Full Doc. Loans from $100,000 to $5m. Maximum LVR 80%. 100% of net income converted to AUD. Loan term 30 years and maximum IO term 5 years. Risk fee 0.50%.

## At a glance

- **From (owner occupied):** 6.89% (6.97% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Expat base rate - Expat – LVR ≤65% - loan size up to $2.5m - Owner Occupied P&I.) | 6.89% | 6.97% | Expat – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤70% - loan size up to $2.5m - Owner Occupied P&I.) | 7.09% | 7.42% | Expat – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤75% - loan size up to $2.5m - Owner Occupied P&I.) | 7.29% | 7.7% | Expat – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤80% - loan size up to $2m - Owner Occupied P&I.) | 7.39% | 7.79% | Expat – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤65% - above $2.5m to $5m - Owner Occupied P&I. Includes +0.90% large-loan loading. · Large-loan loading +0.90% applies at LVR ≤65% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 7.79% | — | Expat Large Loan – LVR ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤70% - above $2.5m to $5m - Owner Occupied P&I. Includes +1.20% large-loan loading. · Large-loan loading +1.20% applies at LVR ≤70% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.29% | — | Expat Large Loan – LVR ≤70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤75% - above $2.5m to $5m - Owner Occupied P&I. Includes +1.10% large-loan loading. · Large-loan loading +1.10% applies at LVR ≤75% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.39% | — | Expat Large Loan – LVR ≤75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤80% - above $2m to $5m - Owner Occupied P&I. Includes +1.20% large-loan loading. · Large-loan loading +1.20% applies at LVR ≤80% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2m and up to $5m in Category 1, subject to credit criteria.) | 8.59% | — | Expat Large Loan – LVR ≤80%; Loan amount $2,000,001–$5,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Expat base rate - Expat – LVR ≤65% - loan size up to $2.5m - Owner Occupied IO. IO loading +0.20%.) | 7.09% | — | Expat – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤70% - loan size up to $2.5m - Owner Occupied IO. IO loading +0.20%.) | 7.29% | — | Expat – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤75% - loan size up to $2.5m - Owner Occupied IO. IO loading +0.20%.) | 7.49% | — | Expat – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤80% - loan size up to $2m - Owner Occupied IO. IO loading +0.20%.) | 7.59% | — | Expat – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤65% - above $2.5m to $5m - Owner Occupied IO. Includes +0.90% large-loan loading. IO loading +0.20%. · Large-loan loading +0.90% applies at LVR ≤65% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 7.99% | — | Expat Large Loan – LVR ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤70% - above $2.5m to $5m - Owner Occupied IO. Includes +1.20% large-loan loading. IO loading +0.20%. · Large-loan loading +1.20% applies at LVR ≤70% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.49% | — | Expat Large Loan – LVR ≤70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤75% - above $2.5m to $5m - Owner Occupied IO. Includes +1.10% large-loan loading. IO loading +0.20%. · Large-loan loading +1.10% applies at LVR ≤75% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.59% | — | Expat Large Loan – LVR ≤75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤80% - above $2m to $5m - Owner Occupied IO. Includes +1.20% large-loan loading. IO loading +0.20%. · Large-loan loading +1.20% applies at LVR ≤80% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2m and up to $5m in Category 1, subject to credit criteria.) | 8.79% | — | Expat Large Loan – LVR ≤80%; Loan amount $2,000,001–$5,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Expat base rate - Expat – LVR ≤65% - loan size up to $2.5m - Investment P&I. Investor loading +0.30%.) | 7.19% | — | Expat – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤70% - loan size up to $2.5m - Investment P&I. Investor loading +0.30%.) | 7.39% | — | Expat – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤75% - loan size up to $2.5m - Investment P&I. Investor loading +0.30%.) | 7.59% | — | Expat – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤80% - loan size up to $2m - Investment P&I. Investor loading +0.30%.) | 7.69% | — | Expat – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤65% - above $2.5m to $5m - Investment P&I. Includes +0.90% large-loan loading. Investor loading +0.30%. · Large-loan loading +0.90% applies at LVR ≤65% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.09% | — | Expat Large Loan – LVR ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤70% - above $2.5m to $5m - Investment P&I. Includes +1.20% large-loan loading. Investor loading +0.30%. · Large-loan loading +1.20% applies at LVR ≤70% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.59% | — | Expat Large Loan – LVR ≤70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤75% - above $2.5m to $5m - Investment P&I. Includes +1.10% large-loan loading. Investor loading +0.30%. · Large-loan loading +1.10% applies at LVR ≤75% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.69% | — | Expat Large Loan – LVR ≤75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤80% - above $2m to $5m - Investment P&I. Includes +1.20% large-loan loading. Investor loading +0.30%. · Large-loan loading +1.20% applies at LVR ≤80% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2m and up to $5m in Category 1, subject to credit criteria.) | 8.89% | — | Expat Large Loan – LVR ≤80%; Loan amount $2,000,001–$5,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Expat base rate - Expat – LVR ≤65% - loan size up to $2.5m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.39% | — | Expat – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤70% - loan size up to $2.5m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.59% | — | Expat – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤75% - loan size up to $2.5m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.79% | — | Expat – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Expat base rate - Expat – LVR ≤80% - loan size up to $2m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.89% | — | Expat – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤65% - above $2.5m to $5m - Investment IO. Includes +0.90% large-loan loading. Investor loading +0.30%. IO loading +0.20%. · Large-loan loading +0.90% applies at LVR ≤65% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.29% | — | Expat Large Loan – LVR ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤70% - above $2.5m to $5m - Investment IO. Includes +1.20% large-loan loading. Investor loading +0.30%. IO loading +0.20%. · Large-loan loading +1.20% applies at LVR ≤70% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.79% | — | Expat Large Loan – LVR ≤70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤75% - above $2.5m to $5m - Investment IO. Includes +1.10% large-loan loading. Investor loading +0.30%. IO loading +0.20%. · Large-loan loading +1.10% applies at LVR ≤75% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2.5m and up to $5m in Category 1, subject to credit criteria.) | 8.89% | — | Expat Large Loan – LVR ≤75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Propel Expat large-loan rate - Expat Large Loan – LVR ≤80% - above $2m to $5m - Investment IO. Includes +1.20% large-loan loading. Investor loading +0.30%. IO loading +0.20%. · Large-loan loading +1.20% applies at LVR ≤80% for eligible Propel Expat loans up to $5m. · Applies to loan amounts above $2m and up to $5m in Category 1, subject to credit criteria.) | 9.09% | — | Expat Large Loan – LVR ≤80%; Loan amount $2,000,001–$5,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — Application fee $500. Excludes GST. | Upfront | $500.00 |
| Valuation Fee — Valuation fees at cost, minimum $250. Additional costs and a minimum $50 cancellation fee per security may apply. Excludes GST. | Event | From $250.00 |
| Funder's Legal Fee — Legal fee from $400 plus applicable disbursements and government charges. Excludes GST. | Event | From $400.00 |
| Settlement Fee — No settlement fee. Excludes GST. | Event | $0.00 |
| Annual Fee — Charged yearly · No annual fee. Excludes GST. | Ongoing | $0.00 |
| Discharge Fee — Discharge fee from $550 plus agent costs. Excludes GST. | Exit | From $550.00 |
| Risk Fee — Risk fee 0.50% of the loan amount applies for loans from $100k to $5m up to 80% LVR. Excludes GST. | Upfront | 0.5% of balance |

## Features

- **Interest Only repayments are available for up to 5 years for Owner Occupied and Investment loans, then reverting to Principal and Interest. IO loading +0.20%.**
- **100% of net foreign income converted to AUD is accepted for serviceability.**

## Eligibility

- **Residency status** — Australian citizens and Australian permanent residents meeting the overseas income criteria (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 $5m at ≤80% LVR. Category 2: maximum $1.5m at ≤80%. Category 3: maximum $500k at ≤70% LVR.**
- **Loan term 30 years. Principal and Interest or Interest Only for up to 5 years, then reverting to Principal and Interest.**
- **Full Documentation: PAYG - 2 recent payslips. Self-Employed - 1 year tax return and corresponding personal NOA. 100% of net overseas income is converted to AUD for assessment. See Mortgage Ezy Propel Expat guide at mezy.com.au.**
- **Serviceability assessment applies. See Mortgage Ezy guide at mezy.com.au.**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan $100,000.)
- **Maximum limit** — $5,000,000.00 (Expat: maximum loan amount $5m for LVR up to and including 65.00%.)
- **Maximum limit** — $5,000,000.00 (Expat: maximum loan amount $5m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $5,000,000.00 (Expat: maximum loan amount $5m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $5,000,000.00 (Expat: maximum loan amount $5m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $5,000,000.00 (Category 1 maximum loan amount $5m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Category 1 maximum LVR 80%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum limit** — $1,500,000.00 (Category 2 maximum loan amount $1.5m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Category 2 maximum LVR 80%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum limit** — $500,000.00 (Category 3 maximum loan amount $500k, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 70% (Category 3 maximum LVR 70%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR 80%, subject to the applicable loan amount, documentation type, postcode category and security conditions.)

## More information from Mortgage Ezy

- [Overview](https://www.mezy.com.au)
- [Terms & conditions](https://www.mamoney.com.au/terms-conditions/)
- [Eligibility](https://www.mezy.com.au)
- [Fees & pricing](https://www.mezy.com.au)

## Data provenance

- Published by Mortgage Ezy under the Consumer Data Right
- Product ID: `01041d45-69ad-44f3-aaa8-ef3ace182832`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-ezy-9ef80a/01041d45-69ad-44f3-aaa8-ef3ace182832
- Provider page: https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a/products/01041d45-69ad-44f3-aaa8-ef3ace182832) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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