Propel Ezy SMSF
Mortgage Ezy Propel Ezy SMSF residential loan for Self Managed Superannuation Funds. Investment purpose only. Loans from $100,000 to $2m. Maximum LVR 80%. Individual or corporate trustees accepted. Maximum 6 members. No liquidity or net asset testing. 90% rental income assessed. NO RISK FEE. Servicing inside the fund only. Loan term 30 years. Maximum IO term 5 years. High density apartments restricted to 75% LVR.
- From (investment)
- 7.09%
- Variable
Interest Rates
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable SMSF Residential – LVR ≤65% – Inv P&I. | 7.09% | — | SMSF Residential – LVR ≤65% |
| Variable SMSF Residential – LVR ≤70% – Inv P&I. | 7.19% | — | SMSF Residential – LVR ≤70% |
| Variable SMSF Residential – LVR ≤75% – Inv P&I. | 7.29% | — | SMSF Residential – LVR ≤75% |
| Variable SMSF Residential – LVR ≤80% – Inv P&I. | 7.39% | — | SMSF Residential – LVR ≤80% |
Investment — Interest only
| Type | Rate | Comparison |
|---|
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee Application fee: $1,309 (manual) or $1,089 (DEB & electronic). Professional legal fee included in the application fee. Additional disbursements estimated $500–$700 (Government charges, Solicitor Trust Review, PEXA fees). Excludes GST. | Upfront | $1,309.00 |
| 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. Additional disbursements and searches estimated $500–$700. Excludes GST. | Event | $0.00 |
| Settlement Fee Settlement fee $250. Excludes GST. | Event | $250.00 |
| Annual Fee Charged yearly · Annual fee $395. Excludes GST. | Ongoing | $395.00 |
| Discharge Fee Discharge fee from $1,950 plus agent costs. Excludes GST. | Exit | From $1,950.00 |
Features
- Designed for SMSFs using a bare trust (Property Trust) structure. Individual or corporate trustees accepted. No liquidity or net asset testing.
- No risk fee on Propel Ezy SMSF residential loans.
- Offset accounts and redraw not available under LRBA requirements.
- IO available up to 5 years. IO loading +0.20%.
- Express Refinance available up to 80% LVR and ≤$3m. Accountant's Declaration accepted for >70% to 80% LVR.
Eligibility
- SMSF Trustee (corporate or individual) required. Property held on Property Trust by a Property Trustee. Security trustee guarantees limited to security property. Maximum 6 SMSF members.
- Serviceability assessed inside the fund only. No external servicing. 90% rental income assessed. 100% of concessional and non-concessional contributions. No liquidity or net asset testing. See Mortgage Ezy SMSF guide at mezy.com.au.
- Residential property in Australia, first registered mortgage. High density apartments (>40 in complex) restricted to 75% LVR. No Vacant Land, rural property, student accommodation, NRAS or NDIS/SDA properties.
- Maximum loan term 30 years. Maximum IO term 5 years.
- Category 1: maximum $2m at ≤80% LVR. Category 2: maximum $1.5m at ≤75%. Category 3: maximum $400k at ≤70% LVR.
- SMSF Trust Deed and Bare (Property) Trust Deed required, signed, dated and certified. PAYG: 2 recent payslips. Self-Employed: 1 year personal tax return and NOA. SMSF income evidence: latest SMSF annual return or 12 months Cash Management Account statements. See Mortgage Ezy SMSF 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 ≤75% LVR. Category 3: maximum $400k at ≤70% LVR. High density apartments (>40 in complex) restricted to 75% LVR.
- 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 55f19f3e-2a00-4722-bed5-06d56690df0d