---
title: "Propel Full 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/53ae64b1-21f0-497c-a08a-ce3939961760
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:58:53Z
---

# Propel Full 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 Full Doc residential loan. Loans from $100,000 to $2.5m. Maximum LVR 90% (1.1 NDI required above 80% LVR). Owner Occupied or Investment. Cash out for any purpose. Individual, Company or Trust. No Credit Score, CCR or DTI. Standard loan term up to 30 years, with 31–40 year terms only for eligible first-home purchasers aged 40 or under on loans up to $2m. Interest Only available up to 5 years. Risk fee: no fee at ≤80%; 1.00% at >80% to 85%; 2.00% at >85% to 90%.

## At a glance

- **From (owner occupied):** 6.49% (6.55% comparison)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤65% - loan size up to $2.5m - Owner Occupied P&I.) | 6.49% | 6.55% | Full Doc – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤70% - loan size up to $2.5m - Owner Occupied P&I.) | 6.64% | 6.7% | Full Doc – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤75% - loan size up to $2.5m - Owner Occupied P&I.) | 6.89% | 6.95% | Full Doc – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤80% - loan size up to $2m - Owner Occupied P&I.) | 6.89% | 6.95% | Full Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤85% - loan size up to $1.5m - Owner Occupied P&I.) | 7.34% | 7.45% | Full Doc – LVR ≤85%; Loan amount $100,000–$1,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤90% - loan size up to $1m - Owner Occupied P&I.) | 7.44% | 7.6% | Full Doc – LVR ≤90%; Loan amount $100,000–$1,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤65% - loan size up to $2.5m - Owner Occupied IO. IO loading +0.20%.) | 6.69% | — | Full Doc – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤70% - loan size up to $2.5m - Owner Occupied IO. IO loading +0.20%.) | 6.84% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤75% - loan size up to $2.5m - Owner Occupied IO. IO loading +0.20%.) | 7.09% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤80% - loan size up to $2m - Owner Occupied IO. IO loading +0.20%.) | 7.09% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤85% - loan size up to $1.5m - Owner Occupied IO. IO loading +0.20%.) | 7.54% | — | Full Doc – LVR ≤85%; Loan amount $100,000–$1,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤90% - loan size up to $1m - Owner Occupied IO. IO loading +0.20%.) | 7.64% | — | Full Doc – LVR ≤90%; Loan amount $100,000–$1,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤65% - loan size up to $2.5m - Investment P&I. Investor loading +0.30%.) | 6.79% | — | Full Doc – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤70% - loan size up to $2.5m - Investment P&I. Investor loading +0.30%.) | 6.94% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤75% - loan size up to $2.5m - Investment P&I. Investor loading +0.30%.) | 7.19% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤80% - loan size up to $2m - Investment P&I. Investor loading +0.30%.) | 7.19% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤85% - loan size up to $1.5m - Investment P&I. Investor loading +0.30%.) | 7.64% | — | Full Doc – LVR ≤85%; Loan amount $100,000–$1,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤90% - loan size up to $1m - Investment P&I. Investor loading +0.30%.) | 7.74% | — | Full Doc – LVR ≤90%; Loan amount $100,000–$1,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤65% - loan size up to $2.5m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 6.99% | — | Full Doc – LVR ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤70% - loan size up to $2.5m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.14% | — | Full Doc – LVR ≤70%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤75% - loan size up to $2.5m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.39% | — | Full Doc – LVR ≤75%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤80% - loan size up to $2m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.39% | — | Full Doc – LVR ≤80%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤85% - loan size up to $1.5m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.84% | — | Full Doc – LVR ≤85%; Loan amount $100,000–$1,500,000 |
| Variable (Propel Full Doc base rate - Full Doc – LVR ≤90% - loan size up to $1m - Investment IO. Investor loading +0.30%. IO loading +0.20%.) | 7.94% | — | Full Doc – LVR ≤90%; Loan amount $100,000–$1,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — Application fee $500. Excludes GST. | Upfront | $500.00 |
| Valuation Fee — Valuation fees at cost, minimum $250. Additional costs 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 at LVR >80% to 85% for loans up to $1.5m. No risk fee applies at ≤80% LVR. Excludes GST. | Upfront | 1% of balance |
| Risk Fee – LVR >85% to 90% — Risk fee 2.00% of the loan amount applies at LVR >85% to 90% for loans up to $1m. Excludes GST. | Upfront | 2% of balance |

## Features

- **Offset account** (100% offset available. Monthly offset fee of $10.)
- **Interest Only repayments are available for up to 5 years for Owner Occupied and Investment loans, then reverting to Principal and Interest.**
- **Cash out available for any purpose to maximum LVR.**
- **Risk Fee Waiver option is shown in the current guide with a +0.50% rate loading for eligible loans up to $1.5m; conditions and credit criteria apply.**
- **31–40 year loan terms are available only for eligible first-home purchasers where all applicants are aged 40 or under and the loan is no more than $2m. A +0.10% loading applies.**

## 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.)
- **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.**
- **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.**
- **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.**
- **Standard loan term up to 30 years. A 31–40 year term is available only for eligible first-home purchasers where all applicants are aged 40 or under and the loan is no more than $2m. Maximum IO term is 5 years.**
- **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.**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan $100,000.)
- **Maximum limit** — $2,500,000.00 (Full Doc: maximum loan amount $2.5m for LVR up to and including 65.00%.)
- **Maximum limit** — $2,500,000.00 (Full 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 (Full 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 (Full Doc: maximum loan amount $2m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $1,500,000.00 (Full Doc: maximum loan amount $1.5m for LVR greater than 80.00% and up to and including 85.00%.)
- **Maximum limit** — $1,000,000.00 (Full Doc: maximum loan amount $1m for LVR greater than 85.00% and up to and including 90.00%.)
- **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** — 90% (Category 1 maximum LVR 90%, 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** — 90% (Absolute product maximum LVR 90%, 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: `53ae64b1-21f0-497c-a08a-ce3939961760`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-ezy-9ef80a/53ae64b1-21f0-497c-a08a-ce3939961760
- Provider page: https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a/products/53ae64b1-21f0-497c-a08a-ce3939961760) — 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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