---
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: 2026-09-02T04:17:42Z
---

# 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 mortgage for eligible Self Managed Superannuation Funds purchasing or refinancing commercial property.

## At a glance

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

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.59% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.69% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.89% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.79% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.89% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.09% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.99% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.59% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.69% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.89% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.79% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.89% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.09% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.99% | — | Loan-to-value ratio 75.01–80%; 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

- **IO available up to 5 years.**
- **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. The security must be in an eligible postcode category 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.**
- **Maximum loan term 30 years.**
- **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.**
- **Offset accounts and redraw are not available for this product.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $2,000,000.00 (SMSF Commercial; applies at LVR up to and including 80%.)
- **Maximum limit** — $2,000,000.00 (Category 2 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum limit** — $500,000.00 (Category 3 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)
- **Maximum LVR** — 70% (Category 2 maximum LVR; subject to product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 65% (Category 3 maximum LVR; subject to product, loan amount, documentation and security restrictions.)

## 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: 2 September 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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