Propel Ezy Vacant Land – Lo Doc
Mortgage Ezy Propel Ezy Vacant Land Lo Doc loan. Loans from $100,000 to $3m. Maximum LVR 75%. Owner Occupied and Investment. No investment loading. Large-loan loading +0.40% applies for eligible loans >70% LVR up to $3m. Lo Doc interest-only loading +0.20% is limited to <=65% LVR and <=$1.5m. Risk fee 1.25% for loans from $100k to $1.5m up to 75% LVR. Loan term up to 40 years. 100% offset available.
- From (owner occupied)
- 7.89%
- 8.35% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Lo Doc Vacant Land base rate - Lo Doc VL - LVR <=65% - loan size up to $1.5m - Owner Occupied P&I. No investment loading applies. | 7.89% | 8.35% | Lo Doc VL - LVR <=65% |
| Variable Lo Doc Vacant Land base rate - Lo Doc VL - LVR <=70% - loan size up to $1.2m - Owner Occupied P&I. No investment loading applies. | 7.99% | 8.45% | Lo Doc VL - LVR <=70% |
| Variable Lo Doc Vacant Land base rate - Lo Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Owner Occupied P&I. No investment loading applies. | 8.15% | 8.27% | Lo Doc VL - LVR >70% to <=75% |
| Variable Lo Doc Vacant Land large-loan rate - >70% to <=75% LVR - Owner Occupied P&I. Includes +0.40% large-loan loading. No investment loading applies. · Large-loan loading +0.40% applies to eligible Lo Doc Vacant Land loans >70% LVR and <=$3m. · Applies above 70% to 75% LVR, subject to guide loan-size and postcode limits. | 8.55% | — | Lo Doc VL Large Loan - LVR >70% to <=75% |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee - Manual Application (<=70% LVR) Manual application fee for the Vacant Land <=70% LVR fee table. GST applies. | Upfront | $900.00 |
| Application Fee - Electronic Application (<=70% LVR) Electronic application fee for the Vacant Land <=70% LVR fee table. GST applies. | Upfront | $700.00 |
| Application Fee - Lo Doc (higher-LVR fee table) Application fee under the higher-LVR Vacant Land fee table (>70% to 75% LVR where applicable). 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 (<=70% LVR) Professional legal fee is $0 under the Vacant Land <=70% LVR fee table; disbursements, government charges and funder contract processing fees may apply. Excludes GST. | Event | $0.00 |
| Funder's Legal Fee (higher-LVR fee table) Legal fee from $400 plus disbursements under the higher-LVR Vacant Land fee table. Excludes GST. |
Features
- Offset account
- Offset account available. Fee varies by LVR tier.
- Lo Doc Vacant Land IO available within guide conditions only at <=65% LVR and <=$1.5m. IO loading +0.20%.
- No investment rate loading applies to Propel Ezy Vacant Land Lo Doc.
- Large-loan loading +0.40% applies to eligible loans >70% LVR and <=$3m.
Eligibility
- Individual (including as trustee for trust), company, or trust. Individual borrowers must be Australian citizens, NZ citizens residing in Australia, or Australian Permanent Resident Visa holders. Expat borrowers (Australian citizens/PR holders living and working overseas) also accepted.
- Canada, China, Finland, France, Germany, Hong Kong, Italy, Japan, New Zealand, Norway, Qatar, Saudi Arabia, Singapore, Spain, Sweden, United Kingdom, United Arab Emirates, United States of America. Other countries considered on application.
- Loan term up to 40 years. IO for up to 5 years for Owner Occupied and up to 10 years for Investment, then reverting to P&I. Lo Doc Vacant Land IO loading +0.20% applies only at <=65% LVR and <=$1.5m.
- Serviceability assessment applies. See Mortgage Ezy Propel Ezy Vacant Land guide at mezy.com.au.
- Category 1 Lo Doc: maximum $1.5m at <=65% LVR, $1.2m at <=70% LVR, and $3m at <=75% LVR. Category 2 Lo Doc: maximum $1.5m at <=65% LVR. Large-loan loading +0.40% applies to eligible loans >70% LVR up to $3m.
- Lo Doc: Accountant Declaration, 2 BAS statements, or 6 months business bank statements. Must be minimum 25% shareholder. See Mortgage Ezy Propel Ezy Vacant Land guide at mezy.com.au.
Constraints
- Minimum limit — $100,000.00Minimum loan $100,000.
- Maximum limit — $3,000,000.00Category 1 Lo Doc: maximum $1.5m at <=65% LVR, $1.2m at <=70% LVR, and $3m at <=75% LVR. Category 2 Lo Doc: maximum $1.5m at <=65% LVR. Large-loan loading +0.40% applies to eligible loans >70% LVR up to $3m.
- Maximum LVR — 75%Maximum LVR 75%, 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 69b9441c-de40-4f9c-8bb8-04825d447520 · View Source Data (JSON)