---
title: "Propel Ezy SMSF — 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/55f19f3e-2a00-4722-bed5-06d56690df0d
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:59:04Z
---

# Propel Ezy SMSF — 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 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.

## At a glance

- **From (investment):** 7.09% (Variable)

## Interest rates

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel SMSF residential investment P&I rate - LVR ≤65%.) | 7.09% | — | SMSF Residential – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Propel SMSF residential investment P&I rate - LVR ≤70%.) | 7.19% | — | SMSF Residential – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Propel SMSF residential investment P&I rate - LVR ≤75%.) | 7.29% | — | SMSF Residential – LVR ≤75%; Loan amount $100,000–$2,000,000 |
| Variable (Propel SMSF residential investment P&I rate - LVR ≤80%.) | 7.39% | — | SMSF Residential – LVR ≤80%; Loan amount $100,000–$2,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel SMSF residential investment IO rate - LVR ≤65%. IO loading +0.20%.) | 7.29% | — | SMSF Residential – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Propel SMSF residential investment IO rate - LVR ≤70%. IO loading +0.20%.) | 7.39% | — | SMSF Residential – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Propel SMSF residential investment IO rate - LVR ≤75%. IO loading +0.20%.) | 7.49% | — | SMSF Residential – LVR ≤75%; Loan amount $100,000–$2,000,000 |
| Variable (Propel SMSF residential investment IO rate - LVR ≤80%. IO loading +0.20%.) | 7.59% | — | SMSF Residential – LVR ≤80%; Loan amount $100,000–$2,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| 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 — Funder's legal fee $750 plus disbursements. Excludes GST. | Event | $750.00 |
| Disbursements and Searches — Additional disbursements may apply, including government charges, solicitor trust review and PEXA fees. Estimated range $500 to $700. Excludes GST. | Event | $500.00 – $700.00 |
| Annual Fee — Charged yearly · Annual fee $399. Excludes GST. | Ongoing | $399.00 |
| Discharge Fee — Discharge fee from $550 plus agent costs. Excludes GST. | Exit | From $550.00 |

## 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%.**

## 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** — $100,000.00 (Minimum loan $100,000.)
- **Maximum limit** — $2,000,000.00 (SMSF Residential: maximum loan amount $2m for LVR up to and including 65.00%.)
- **Maximum limit** — $2,000,000.00 (SMSF Residential: maximum loan amount $2m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $2,000,000.00 (SMSF Residential: maximum loan amount $2m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $2,000,000.00 (SMSF Residential: maximum loan amount $2m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $2,000,000.00 (Category 1 maximum loan amount $2m, 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** — 75% (Category 2 maximum LVR 75%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum limit** — $400,000.00 (Category 3 maximum loan amount $400k, 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.)
- **Maximum LVR** — 75% (High-density apartments: maximum LVR 75%.)

## 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: `55f19f3e-2a00-4722-bed5-06d56690df0d`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-ezy-9ef80a/55f19f3e-2a00-4722-bed5-06d56690df0d
- Provider page: https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a/products/55f19f3e-2a00-4722-bed5-06d56690df0d) — 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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