---
title: "Propel Commercial SMSF — 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/b4ac8d98-3757-4650-8cc6-74f6993d7428
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:59:05Z
---

# Propel Commercial SMSF — 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 SMSF loan for Self Managed Superannuation Funds securing commercial property. Loans from $100,000 to $2m. Maximum LVR 80%. Investment or Owner-Occupied (fund's own business premises). No application fee. Individual or corporate SMSF trustees accepted. No liquidity or net asset testing. 90% rental income assessed. No Credit Score, CCR or DTI. Risk fee 1.00%. IO loading +0.20%. Monthly fee $25.

## At a glance

- **From (owner occupied):** 7.59% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤65% - loan size up to $2m - Owner Occupied P&I.) | 7.59% | — | SMSF Commercial – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤70% - loan size up to $2m - Owner Occupied P&I.) | 7.69% | — | SMSF Commercial – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤75% - loan size up to $2m - Owner Occupied P&I.) | 7.89% | — | SMSF Commercial – LVR ≤75%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤80% - loan size up to $2m - Owner Occupied P&I.) | 8.79% | — | SMSF Commercial – LVR ≤80%; Loan amount $100,000–$2,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤65% - loan size up to $2m - Owner Occupied IO. IO loading +0.20%.) | 7.79% | — | SMSF Commercial – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤70% - loan size up to $2m - Owner Occupied IO. IO loading +0.20%.) | 7.89% | — | SMSF Commercial – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤75% - loan size up to $2m - Owner Occupied IO. IO loading +0.20%.) | 8.09% | — | SMSF Commercial – LVR ≤75%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤80% - loan size up to $2m - Owner Occupied IO. IO loading +0.20%.) | 8.99% | — | SMSF Commercial – LVR ≤80%; Loan amount $100,000–$2,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤65% - loan size up to $2m - Investment P&I. No investment loading applies.) | 7.59% | — | SMSF Commercial – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤70% - loan size up to $2m - Investment P&I. No investment loading applies.) | 7.69% | — | SMSF Commercial – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤75% - loan size up to $2m - Investment P&I. No investment loading applies.) | 7.89% | — | SMSF Commercial – LVR ≤75%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤80% - loan size up to $2m - Investment P&I. No investment loading applies.) | 8.79% | — | SMSF Commercial – LVR ≤80%; Loan amount $100,000–$2,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤65% - loan size up to $2m - Investment IO. No investment loading applies. IO loading +0.20%.) | 7.79% | — | SMSF Commercial – LVR ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤70% - loan size up to $2m - Investment IO. No investment loading applies. IO loading +0.20%.) | 7.89% | — | SMSF Commercial – LVR ≤70%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤75% - loan size up to $2m - Investment IO. No investment loading applies. IO loading +0.20%.) | 8.09% | — | SMSF Commercial – LVR ≤75%; Loan amount $100,000–$2,000,000 |
| Variable (Propel Commercial SMSF base rate - SMSF Commercial – LVR ≤80% - loan size up to $2m - Investment IO. No investment loading applies. IO loading +0.20%.) | 8.99% | — | SMSF Commercial – LVR ≤80%; Loan amount $100,000–$2,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — No application fee. Excludes GST. | Upfront | $0.00 |
| 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 — Disbursements may include government charges, solicitor review of trust and PEXA fees. Estimated range $500 to $700. Excludes GST. | Event | $500.00 – $700.00 |
| 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 |
| Risk Fee — Risk fee 1.00% of the loan amount applies for loans from $100k to $2m up to 80% LVR. Excludes GST. | Upfront | 1% of balance |

## Features

- **SMSF bare trust (Property Trust) structure. Corporate or individual trustees accepted. No minimum apartment or unit size restrictions.**
- **Offset accounts and redraw not available under LRBA requirements.**
- **IO available up to 5 years. IO loading +0.20%.**
- **No annual reviews or revaluations required.**
- **No clawbacks on Propel Commercial SMSF loans.**

## Eligibility

- **SMSF Trustee (corporate or individual) required. Property held on Property Trust. Security trustee to provide guarantee limited to security property.**
- **Commercial property or vacant commercial land zoned commercial, situated in Australia, first registered mortgage. Category 1, 2 and 3 locations where commercial use is highest and best use and commercial valuation is held.**
- **Serviceability assessed inside the fund. 90% rental income assessed. No liquidity or net asset testing. No Credit Score, CCR or DTI. See Mortgage Ezy SMSF guide at mezy.com.au.**
- **Maximum loan term 30 years. IO available up to 5 years. IO loading +0.20%.**
- **Category 1: maximum $2m at ≤80% LVR. Category 2: maximum $2m at ≤70% LVR. Category 3: maximum $500k at ≤65% LVR.**
- **SMSF Trust Deed and Property Trust Deed required. PAYG: 2 recent payslips. Self-Employed: 1 year personal tax return and NOA. SMSF income evidence: latest SMSF annual return or 12 months CMA 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 Commercial: maximum loan amount $2m for LVR up to and including 65.00%.)
- **Maximum limit** — $2,000,000.00 (SMSF Commercial: maximum loan amount $2m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $2,000,000.00 (SMSF Commercial: maximum loan amount $2m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $2,000,000.00 (SMSF Commercial: 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** — $2,000,000.00 (Category 2 maximum loan amount $2m, 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: `b4ac8d98-3757-4650-8cc6-74f6993d7428`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-ezy-9ef80a/b4ac8d98-3757-4650-8cc6-74f6993d7428
- Provider page: https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-ezy-9ef80a/products/b4ac8d98-3757-4650-8cc6-74f6993d7428) — 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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