---
title: "Propel Ezy Vacant Land – Lo 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/69b9441c-de40-4f9c-8bb8-04825d447520
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:58:59Z
---

# Propel Ezy Vacant Land – Lo 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 Ezy Vacant Land Lo Doc loan. Loans from $100,000 to $3m. Maximum LVR 75%. Owner Occupied and Investment. No investment loading. A +0.40% large-loan loading applies to eligible loans above 70% to 75% LVR and above $1.5m to $3m. Interest Only is available up to 75% LVR and $3m with a +0.20% loading. Risk fee 1.25% for loans from $100k to $1.5m up to 75% LVR. Loan term 30 years. 100% offset available.

## At a glance

- **From (owner occupied):** 7.99% (8.11% 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.) | 7.99% | 8.11% | Lo Doc VL - LVR <=65%; Loan amount $100,000–$1,500,000 |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR <=70% - loan size up to $1.2m - Owner Occupied P&I.) | 8.09% | 8.21% | Lo Doc VL - LVR <=70%; Loan amount $100,000–$1,200,000 |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Owner Occupied P&I.) | 8.19% | 8.31% | Lo Doc VL - LVR >70% to <=75%; Loan amount $100,000–$1,500,000 |
| Variable (Lo Doc Vacant Land large-loan rate - Lo Doc VL Large Loan - LVR >70% to <=75% - loan size above $1.5m to $3m - Owner Occupied P&I. Includes +0.40% large-loan loading. · Large-loan loading +0.40% applies to eligible Lo Doc Vacant Land loans above 70% to 75% LVR and above $1.5m to $3m. · The current guide labels this as a large-loan loading; the rate is modelled within the product maximum of 75% LVR.) | 8.59% | — | Lo Doc VL Large Loan - LVR >70% to <=75%; Loan amount $1,500,001–$3,000,000 |

### Owner occupied — Interest only

| 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 IO. IO loading +0.20%.) | 8.19% | — | Lo Doc VL - LVR <=65%; Loan amount $100,000–$1,500,000 |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR <=70% - loan size up to $1.2m - Owner Occupied IO. IO loading +0.20%.) | 8.29% | — | Lo Doc VL - LVR <=70%; Loan amount $100,000–$1,200,000 |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Owner Occupied IO. IO loading +0.20%.) | 8.39% | — | Lo Doc VL - LVR >70% to <=75%; Loan amount $100,000–$1,500,000 |
| Variable (Lo Doc Vacant Land large-loan rate - Lo Doc VL Large Loan - LVR >70% to <=75% - loan size above $1.5m to $3m - Owner Occupied IO. Includes +0.40% large-loan loading. IO loading +0.20%. · Large-loan loading +0.40% applies to eligible Lo Doc Vacant Land loans above 70% to 75% LVR and above $1.5m to $3m. · The current guide labels this as a large-loan loading; the rate is modelled within the product maximum of 75% LVR.) | 8.79% | — | Lo Doc VL Large Loan - LVR >70% to <=75%; Loan amount $1,500,001–$3,000,000 |

### Investment — 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 - Investment P&I. No investment loading applies.) | 7.99% | — | Lo Doc VL - LVR <=65%; Loan amount $100,000–$1,500,000 |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR <=70% - loan size up to $1.2m - Investment P&I. No investment loading applies.) | 8.09% | — | Lo Doc VL - LVR <=70%; Loan amount $100,000–$1,200,000 |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Investment P&I. No investment loading applies.) | 8.19% | — | Lo Doc VL - LVR >70% to <=75%; Loan amount $100,000–$1,500,000 |
| Variable (Lo Doc Vacant Land large-loan rate - Lo Doc VL Large Loan - LVR >70% to <=75% - loan size above $1.5m to $3m - Investment 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 above 70% to 75% LVR and above $1.5m to $3m. · The current guide labels this as a large-loan loading; the rate is modelled within the product maximum of 75% LVR.) | 8.59% | — | Lo Doc VL Large Loan - LVR >70% to <=75%; Loan amount $1,500,001–$3,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR <=65% - loan size up to $1.5m - Investment IO. No investment loading applies. IO loading +0.20%.) | 8.19% | — | Lo Doc VL - LVR <=65%; Loan amount $100,000–$1,500,000 |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR <=70% - loan size up to $1.2m - Investment IO. No investment loading applies. IO loading +0.20%.) | 8.29% | — | Lo Doc VL - LVR <=70%; Loan amount $100,000–$1,200,000 |
| Variable (Lo Doc Vacant Land base rate - Lo Doc VL - LVR >70% to <=75% - loan size up to $1.5m - Investment IO. No investment loading applies. IO loading +0.20%.) | 8.39% | — | Lo Doc VL - LVR >70% to <=75%; Loan amount $100,000–$1,500,000 |
| Variable (Lo Doc Vacant Land large-loan rate - Lo Doc VL Large Loan - LVR >70% to <=75% - loan size above $1.5m to $3m - Investment IO. Includes +0.40% large-loan loading. No investment loading applies. IO loading +0.20%. · Large-loan loading +0.40% applies to eligible Lo Doc Vacant Land loans above 70% to 75% LVR and above $1.5m to $3m. · The current guide labels this as a large-loan loading; the rate is modelled within the product maximum of 75% LVR.) | 8.79% | — | Lo Doc VL Large Loan - LVR >70% to <=75%; Loan amount $1,500,001–$3,000,000 |

## 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. | Event | From $400.00 |
| Settlement Fee (<=70% LVR) — Settlement fee under the Vacant Land <=70% LVR fee table. Excludes GST. | Event | $150.00 |
| Settlement Fee (higher-LVR fee table) — No settlement fee under the higher-LVR Vacant Land fee table. Excludes GST. | Event | $0.00 |
| Annual Fee (<=70% LVR) — Charged yearly · Annual fee under the Vacant Land <=70% LVR fee table. Excludes GST. | Ongoing | $395.00 |
| Monthly Offset Fee (higher-LVR fee table) — Charged monthly · Monthly offset fee under the higher-LVR Vacant Land fee table. Excludes GST. | Ongoing | $10.00 |
| Discharge Fee (<=70% LVR) — Discharge fee from $795 plus agent costs under the Vacant Land <=70% LVR fee table. Excludes GST. | Exit | From $795.00 |
| Discharge Fee (higher-LVR fee table) — Discharge fee from $550 plus agent costs under the higher-LVR Vacant Land fee table. Excludes GST. | Exit | From $550.00 |
| Funder Risk Fee — Risk fee 1.25% of loan amount applies for loans from $100k to $1.5m up to 75% LVR. Excludes GST. | Upfront | 1.25% of balance |

## Features

- **Offset account** (Offset account available. Fee varies by LVR tier.)
- **Lo Doc Vacant Land IO is available up to 75% LVR and up to $3m. IO loading +0.20%. Maximum IO term 5 years.**
- **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

- **Residency status** — Australian citizens, New Zealand citizens residing in Australia, Australian permanent residents, and eligible expat borrowers (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 30 years. Principal and Interest or Interest Only for up to 5 years, then reverting to Principal and Interest. IO loading +0.20%.**
- **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** — $100,000.00 (Minimum loan $100,000.)
- **Maximum limit** — $1,500,000.00 (Lo Doc: maximum loan amount $1.5m for LVR up to and including 65.00%.)
- **Maximum limit** — $1,200,000.00 (Lo Doc: maximum loan amount $1.2m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $3,000,000.00 (Lo Doc: maximum loan amount $3m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $3,000,000.00 (Category 1 maximum loan amount $3m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 75% (Category 1 maximum LVR 75%, 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** — 70% (Category 2 maximum LVR 70%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 75% (Absolute product maximum LVR 75%, 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: `69b9441c-de40-4f9c-8bb8-04825d447520`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-ezy-9ef80a/69b9441c-de40-4f9c-8bb8-04825d447520
- Provider page: https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a/products/69b9441c-de40-4f9c-8bb8-04825d447520) — 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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