Propel Full Doc
Mortgage Ezy Propel Full Doc residential loan. Loans from $100,000 to $2.5m. Maximum LVR 90% (1.1 NDI required). Cash out for any purpose. Individual, Company or Trust. No Credit Score, CCR or DTI. Risk fee: no fee at ≤80%; 1.00% at 80–85%; 2.00% at 85–90%. Risk Fee Reducer available at ≤85% LVR (add 0.50% rate in lieu of fee).
- From (owner occupied)
- 6.74%
- 6.8% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Full Doc – LVR ≤70% – OO P&I. | 6.74% | 6.8% | Full Doc – LVR ≤70% |
| Variable Full Doc – LVR ≤75% – OO P&I. | 6.89% | 6.95% | Full Doc – LVR ≤75% |
| Variable Full Doc – LVR ≤80% – OO P&I. | 6.89% | 6.95% | Full Doc – LVR ≤80% |
| Variable Full Doc – LVR ≤85% – OO P&I. | 7.34% | 7.45% | Full Doc – LVR ≤85% |
| Variable Full Doc – LVR ≤90% – OO P&I. | 7.44% | 7.6% | Full Doc – LVR ≤90% |
Owner occupied — Interest only
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% |
Features
- Offset account
- 100% offset available. Monthly offset fee of $10.
- IO repayments available: OO up to 5 years, Investment up to 10 years.
- Cash out available for any purpose to maximum LVR.
- Risk Fee Reducer available at ≤85% LVR & ≤$1.5m: pay 0.50% rate loading instead of risk fee.
- 40 year loan term available for first home buyers aged ≤40.
Eligibility
- 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.
- Loan term up to 40 years (30–40 year term for first home buyers aged ≤40 only). OO IO up to 5 years; Investment IO up to 10 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 — $100,000.00Minimum loan $100,000.
- Maximum limit — $2,500,000.00Maximum loan $2.5m at ≤75% LVR; $2m at ≤80%; $1.5m at ≤85%; $1m at ≤90%.
- Maximum LVR — 90%Maximum LVR 90%, 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 53ae64b1-21f0-497c-a08a-ce3939961760 · View Source Data (JSON)