---
title: "Propel Lo Doc — 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/0cb38229-7210-413a-8ecd-a0aef13c4344
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:58:55Z
---

# Propel Lo Doc — 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 Lo Doc residential loan for self-employed and alternative-income borrowers. Loans from $100,000 to $2.5m. Maximum LVR 85% ($1.5m cap above 80%). 100% offset available. Loan term up to 40 years. No risk fee for loans up to $2.5m at ≤80% LVR; 1.00% risk fee above 80% to 85% LVR.

## At a glance

- **From (owner occupied):** 6.79% (6.85% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤65% - $2.5m cap subject to LVR and postcode limits - Owner Occupied P&I.) | 6.79% | 6.85% | Lo Doc – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤70% - $2.5m cap subject to LVR and postcode limits - Owner Occupied P&I.) | 6.89% | 6.95% | Lo Doc – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤75% - $2.5m cap subject to LVR and postcode limits - Owner Occupied P&I.) | 7.09% | 7.15% | Lo Doc – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤80% - $2.5m cap subject to LVR and postcode limits - Owner Occupied P&I.) | 7.19% | 7.25% | Lo Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤85% - $2.5m cap subject to LVR and postcode limits - Owner Occupied P&I.) | 7.89% | 8% | Lo Doc – LVR ≤85%; Loan amount $100,000–$1,500,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤65% - $2.5m cap subject to LVR and postcode limits - Owner Occupied IO. IO loading +0.20%.) | 6.99% | — | Lo Doc – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤70% - $2.5m cap subject to LVR and postcode limits - Owner Occupied IO. IO loading +0.20%.) | 7.09% | — | Lo Doc – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤75% - $2.5m cap subject to LVR and postcode limits - Owner Occupied IO. IO loading +0.20%.) | 7.29% | — | Lo Doc – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤80% - $2.5m cap subject to LVR and postcode limits - Owner Occupied IO. IO loading +0.20%.) | 7.39% | — | Lo Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤85% - $2.5m cap subject to LVR and postcode limits - Owner Occupied IO. IO loading +0.20%.) | 8.09% | — | Lo Doc – LVR ≤85%; Loan amount $100,000–$1,500,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤65% - $2.5m cap subject to LVR and postcode limits - Investment P&I. Investor loading +0.30%.) | 7.09% | — | Lo Doc – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤70% - $2.5m cap subject to LVR and postcode limits - Investment P&I. Investor loading +0.30%.) | 7.19% | — | Lo Doc – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤75% - $2.5m cap subject to LVR and postcode limits - Investment P&I. Investor loading +0.30%.) | 7.39% | — | Lo Doc – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤80% - $2.5m cap subject to LVR and postcode limits - Investment P&I. Investor loading +0.30%.) | 7.49% | — | Lo Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤85% - $2.5m cap subject to LVR and postcode limits - Investment P&I. Investor loading +0.30%.) | 8.19% | — | Lo Doc – LVR ≤85%; Loan amount $100,000–$1,500,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤65% - $2.5m cap subject to LVR and postcode limits - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.29% | — | Lo Doc – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤70% - $2.5m cap subject to LVR and postcode limits - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.39% | — | Lo Doc – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤75% - $2.5m cap subject to LVR and postcode limits - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.59% | — | Lo Doc – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤80% - $2.5m cap subject to LVR and postcode limits - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.69% | — | Lo Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Lo Doc base rate - Lo Doc – LVR ≤85% - $2.5m cap subject to LVR and postcode limits - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 8.39% | — | Lo Doc – LVR ≤85%; Loan amount $100,000–$1,500,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — Application fee $599. Excludes GST. | Upfront | $599.00 |
| Valuation Fee — 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. | Event | From $250.00 |
| Funder's Legal Fee — Legal fee from $400 plus disbursements. Fees do not cover government charges and funder's contract processing fee. Excludes GST. | Event | From $400.00 |
| Settlement Fee — No settlement fee. Excludes GST. | Event | $0.00 |
| Monthly Offset Fee — Charged monthly · Monthly offset account fee $10 per month. Excludes GST. | Ongoing | $10.00 |
| Discharge Fee — Discharge fee $550 plus agent costs. Excludes GST. | Exit | From $550.00 |
| Risk Fee – LVR >80% to 85% — Risk fee 1.00% of the loan amount applies for loans $100k to $1.5m at LVR >80% to 85%. No risk fee applies for loans up to $2.5m at ≤80% LVR. Excludes GST. | Upfront | 1% of balance |

## Features

- **Offset account** (100% offset account available. Monthly offset fee of $10.)
- **Interest Only repayments available for up to 5 years.**
- **40 year loan term available for first home buyers aged 40 and under. Not available for loans over $2m.**

## Eligibility

- **Residency status** — Australian citizens, New Zealand citizens residing in Australia, Australian permanent residents, and eligible expat borrowers (Individual borrowers must meet the applicable citizenship or residency requirements. Eligible Australian-domiciled companies and eligible trusts may also apply under the mapped MA Money target market determination.)
- **Assessed on individual merits. No credit score, CCR or DTI requirements. See Mortgage Ezy Propel Lo Doc guide at mezy.com.au for full criteria.**
- **Category 1: maximum loan $2.5m at ≤75% LVR; $2m at ≤80%; $1.5m at ≤85%. Category 2: maximum loan $1.5m at ≤80% LVR. Category 3: maximum loan $500k at ≤70% LVR.**
- **Loan term up to 40 years. 30–40 year term only for first home buyers aged ≤40. Not available for loans over $2m. Maximum IO term 5 years.**
- **Lo Doc: income verified via Accountant Declaration, last 2 BAS statements, or 6 months business bank statements. Borrower must be minimum 25% shareholder. PAYG income: 100% of overtime, commission, bonuses, second job income, and non-earned income accepted. 100% foreign income (net AUD equivalent). 100% trust distributions. See Mortgage Ezy Propel Lo Doc guide at mezy.com.au for full requirements.**
- **Serviceability assessment applies. See Mortgage Ezy Propel Lo Doc guide at mezy.com.au for full criteria.**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan $100,000.)
- **Maximum limit** — $2,500,000.00 (Lo Doc: maximum loan amount $2.5m for LVR up to and including 65.00%.)
- **Maximum limit** — $2,500,000.00 (Lo Doc: maximum loan amount $2.5m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $2,500,000.00 (Lo Doc: maximum loan amount $2.5m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $2,000,000.00 (Lo Doc: maximum loan amount $2m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $1,500,000.00 (Lo Doc: maximum loan amount $1.5m for LVR greater than 80.00% and up to and including 85.00%.)
- **Maximum limit** — $2,500,000.00 (Category 1 maximum loan amount $2.5m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 85% (Category 1 maximum LVR 85%, 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** — 85% (Absolute product maximum LVR 85%, 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: `0cb38229-7210-413a-8ecd-a0aef13c4344`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-ezy-9ef80a/0cb38229-7210-413a-8ecd-a0aef13c4344
- Provider page: https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a/products/0cb38229-7210-413a-8ecd-a0aef13c4344) — 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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