---
title: "Propel Commercial — Mortgage Ezy"
description: "Business 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/744d293e-b35f-45c0-a066-0c3946dd7376
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:59:00Z
---

# Propel Commercial — Mortgage Ezy

> Business Loans from Mortgage Ezy. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans · Mezy Assets Pty Ltd t/as Mortgage Ezy**

Mortgage Ezy Propel Commercial loan. Loans from $100,000 to $8m. Maximum LVR 80% (1.1 NDI required). Full Doc or Alt Doc. Company, Trust or Individual. Interest Only up to 10 years. No annual reviews or revaluations. No clawbacks. Up to 6 borrowers. No Credit Score, CCR or DTI. Risk fee 0.85% at all LVRs. Early Repayment Fee 2% if repaid within 3 years. Base rates apply to published base loan-size caps, with a +0.50% large-loan loading for eligible loans at <=70% LVR. No interest-only loading applies. Cash out to maximum LVR.

## At a glance

- **From (owner occupied):** 7.99% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Commercial base rate - Commercial - LVR <=65% - loan size up to $3.5m for this base tier - Owner Occupied P&I.) | 7.99% | — | Commercial - LVR <=65%; Loan amount $100,000–$3,500,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=70% - loan size up to $3.5m for this base tier - Owner Occupied P&I.) | 8.29% | — | Commercial - LVR <=70%; Loan amount $100,000–$3,500,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=75% - loan size up to $3m for this base tier - Owner Occupied P&I.) | 8.39% | — | Commercial - LVR <=75%; Loan amount $100,000–$3,000,000 |
| Variable (Propel Commercial large-loan rate - Commercial Large Loan - LVR <=65% - loan size up to $8m subject to postcode category - Owner Occupied P&I. Includes +0.50% large-loan loading. · Large-loan loading of +0.50% applies to eligible Propel Commercial loans at <=70% LVR and up to $8m, subject to location caps. · Applies to Commercial large loans up to $8m at LVR <=65%, subject to postcode category.) | 8.49% | — | Commercial Large Loan - LVR <=65%; Loan amount $3,500,001–$8,000,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=80% - loan size up to $2.5m for this base tier - Owner Occupied P&I.) | 8.69% | — | Commercial - LVR <=80%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Commercial large-loan rate - Commercial Large Loan - LVR <=70% - loan size up to $7m subject to postcode category - Owner Occupied P&I. Includes +0.50% large-loan loading. · Large-loan loading of +0.50% applies to eligible Propel Commercial loans at <=70% LVR and up to $8m, subject to location caps. · Applies to Commercial large loans up to $7m at LVR <=70%, subject to postcode category.) | 8.79% | — | Commercial Large Loan - LVR <=70%; Loan amount $3,500,001–$7,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Commercial base rate - Commercial - LVR <=65% - loan size up to $3.5m for this base tier - Owner Occupied IO. No interest-only loading applies.) | 7.99% | — | Commercial - LVR <=65%; Loan amount $100,000–$3,500,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=70% - loan size up to $3.5m for this base tier - Owner Occupied IO. No interest-only loading applies.) | 8.29% | — | Commercial - LVR <=70%; Loan amount $100,000–$3,500,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=75% - loan size up to $3m for this base tier - Owner Occupied IO. No interest-only loading applies.) | 8.39% | — | Commercial - LVR <=75%; Loan amount $100,000–$3,000,000 |
| Variable (Propel Commercial large-loan rate - Commercial Large Loan - LVR <=65% - loan size up to $8m subject to postcode category - Owner Occupied IO. Includes +0.50% large-loan loading. No interest-only loading applies. · Large-loan loading of +0.50% applies to eligible Propel Commercial loans at <=70% LVR and up to $8m, subject to location caps. · Applies to Commercial large loans up to $8m at LVR <=65%, subject to postcode category.) | 8.49% | — | Commercial Large Loan - LVR <=65%; Loan amount $3,500,001–$8,000,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=80% - loan size up to $2.5m for this base tier - Owner Occupied IO. No interest-only loading applies.) | 8.69% | — | Commercial - LVR <=80%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Commercial large-loan rate - Commercial Large Loan - LVR <=70% - loan size up to $7m subject to postcode category - Owner Occupied IO. Includes +0.50% large-loan loading. No interest-only loading applies. · Large-loan loading of +0.50% applies to eligible Propel Commercial loans at <=70% LVR and up to $8m, subject to location caps. · Applies to Commercial large loans up to $7m at LVR <=70%, subject to postcode category.) | 8.79% | — | Commercial Large Loan - LVR <=70%; Loan amount $3,500,001–$7,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Commercial base rate - Commercial - LVR <=65% - loan size up to $3.5m for this base tier - Investment P&I. No investment loading applies.) | 7.99% | — | Commercial - LVR <=65%; Loan amount $100,000–$3,500,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=70% - loan size up to $3.5m for this base tier - Investment P&I. No investment loading applies.) | 8.29% | — | Commercial - LVR <=70%; Loan amount $100,000–$3,500,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=75% - loan size up to $3m for this base tier - Investment P&I. No investment loading applies.) | 8.39% | — | Commercial - LVR <=75%; Loan amount $100,000–$3,000,000 |
| Variable (Propel Commercial large-loan rate - Commercial Large Loan - LVR <=65% - loan size up to $8m subject to postcode category - Investment P&I. Includes +0.50% large-loan loading. No investment loading applies. · Large-loan loading of +0.50% applies to eligible Propel Commercial loans at <=70% LVR and up to $8m, subject to location caps. · Applies to Commercial large loans up to $8m at LVR <=65%, subject to postcode category.) | 8.49% | — | Commercial Large Loan - LVR <=65%; Loan amount $3,500,001–$8,000,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=80% - loan size up to $2.5m for this base tier - Investment P&I. No investment loading applies.) | 8.69% | — | Commercial - LVR <=80%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Commercial large-loan rate - Commercial Large Loan - LVR <=70% - loan size up to $7m subject to postcode category - Investment P&I. Includes +0.50% large-loan loading. No investment loading applies. · Large-loan loading of +0.50% applies to eligible Propel Commercial loans at <=70% LVR and up to $8m, subject to location caps. · Applies to Commercial large loans up to $7m at LVR <=70%, subject to postcode category.) | 8.79% | — | Commercial Large Loan - LVR <=70%; Loan amount $3,500,001–$7,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Commercial base rate - Commercial - LVR <=65% - loan size up to $3.5m for this base tier - Investment IO. No investment loading applies. No interest-only loading applies.) | 7.99% | — | Commercial - LVR <=65%; Loan amount $100,000–$3,500,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=70% - loan size up to $3.5m for this base tier - Investment IO. No investment loading applies. No interest-only loading applies.) | 8.29% | — | Commercial - LVR <=70%; Loan amount $100,000–$3,500,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=75% - loan size up to $3m for this base tier - Investment IO. No investment loading applies. No interest-only loading applies.) | 8.39% | — | Commercial - LVR <=75%; Loan amount $100,000–$3,000,000 |
| Variable (Propel Commercial large-loan rate - Commercial Large Loan - LVR <=65% - loan size up to $8m subject to postcode category - Investment IO. Includes +0.50% large-loan loading. No investment loading applies. No interest-only loading applies. · Large-loan loading of +0.50% applies to eligible Propel Commercial loans at <=70% LVR and up to $8m, subject to location caps. · Applies to Commercial large loans up to $8m at LVR <=65%, subject to postcode category.) | 8.49% | — | Commercial Large Loan - LVR <=65%; Loan amount $3,500,001–$8,000,000 |
| Variable (Propel Commercial base rate - Commercial - LVR <=80% - loan size up to $2.5m for this base tier - Investment IO. No investment loading applies. No interest-only loading applies.) | 8.69% | — | Commercial - LVR <=80%; Loan amount $100,000–$2,500,000 |
| Variable (Propel Commercial large-loan rate - Commercial Large Loan - LVR <=70% - loan size up to $7m subject to postcode category - Investment IO. Includes +0.50% large-loan loading. No investment loading applies. No interest-only loading applies. · Large-loan loading of +0.50% applies to eligible Propel Commercial loans at <=70% LVR and up to $8m, subject to location caps. · Applies to Commercial large loans up to $7m at LVR <=70%, subject to postcode category.) | 8.79% | — | Commercial Large Loan - LVR <=70%; Loan amount $3,500,001–$7,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — Application fee $899. Excludes GST. | Upfront | $899.00 |
| Valuation Fee — Valuation fees at cost, minimum $250. Minimum $50 cancellation fee per security. Excludes GST. | Event | From $250.00 |
| Funder's Legal Fee — Legal fee from $750 plus disbursements. Does not cover government charges. Excludes GST. | Event | From $750.00 |
| Settlement Fee — No settlement fee. Excludes GST. | Event | $0.00 |
| Monthly Fee — Charged monthly · Monthly fee $25. Excludes GST. | Ongoing | $25.00 |
| Discharge Fee — Discharge fee from $500 plus agent costs. Excludes GST. | Exit | From $500.00 |
| Early Repayment Fee — 2% of the original loan amount if fully repaid within the first 3 years. No early repayment fee after 3 years. Excludes GST. | Exit | 2% of balance |
| Risk Fee — Risk fee 0.85% of loan amount for loans from $100k to $8m up to 80% LVR. Excludes GST. | Upfront | 0.85% of balance |

## Features

- **Offset account** (Offset account available. Monthly fee $25.)
- **IO available up to 10 years. Interest-only loading is 0.00%; IO rate is the same as P&I for the same LVR and loan-size band.**
- **No annual reviews or revaluations required.**
- **No clawbacks on Propel Commercial loans.**
- **Cash out available to maximum LVR.**
- **Large-loan loading of +0.50% applies to eligible Commercial loans at <=70% LVR, subject to guide loan-size and location caps.**

## Eligibility

- **Company, Trust or Individual. Up to 6 borrowers. Loan purpose must be predominantly business. Business Purpose Declaration required.**
- **No Credit Score, CCR or DTI requirements. See Mortgage Ezy Propel Commercial guide at mezy.com.au for full criteria.**
- **Commercial property zoned commercial, situated in Australia, first registered mortgage. Up to 25 acres. Category 1 locations where commercial use is highest and best use and commercial valuation held.**
- **Loan term up to 30 years. Interest Only up to 10 years. No interest-only loading applies under the current guide.**
- **Full Documentation: 1 year Company/Trust tax return(s), 1 year personal tax return, and NOA. Simplified Self-Employed (company directors): 3 months payslips and last ATO income statement. Alt Doc: Accountant Letter, Business Bank Statements, or BAS. See Mortgage Ezy Propel Commercial guide at mezy.com.au.**
- **1.1 NDI required. See Mortgage Ezy guide at mezy.com.au.**
- **Category 1: maximum $8m at <=65% LVR; $7m at <=70%; $3m at <=75%; $2.5m at <=80%. Category 2: maximum $3m at <=70% LVR. Category 3: maximum $500k at <=65% LVR. Base rates apply to the guide base loan-size caps; a +0.50% large-loan loading applies to eligible loans at <=70% LVR.**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan $100,000.)
- **Maximum limit** — $8,000,000.00 (Commercial: maximum loan amount $8m for LVR up to and including 65.00%.)
- **Maximum limit** — $7,000,000.00 (Commercial: maximum loan amount $7m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $3,000,000.00 (Commercial: maximum loan amount $3m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $2,500,000.00 (Commercial: maximum loan amount $2.5m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $8,000,000.00 (Category 1 maximum loan amount $8m, 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** — $3,000,000.00 (Category 2 maximum loan amount $3m, 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 limit** — $500,000.00 (Category 3 maximum loan amount $500k, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 65% (Category 3 maximum LVR 65%, 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.)

## 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: `744d293e-b35f-45c0-a066-0c3946dd7376`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-ezy-9ef80a/744d293e-b35f-45c0-a066-0c3946dd7376
- Provider page: https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a

---

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