---
title: "Non-Conforming Home Loan — 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-aa7b0c/products/MEZ02000
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T01:36:05Z
---

# Non-Conforming Home Loan — 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 · Negotiable rates**

We understand that everyone’s real-life situation is different. We look at more than just your credit score, which is why we may be able to help when others can’t. Our home loan gives you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for eligible variable interest rate loans to add 100% interest offset sub-account(s) and VISA debit card+ access (monthly fees apply).

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Non-Conforming Establishment Fee — Charged once at loan establishment for non-conforming residential mortgage applications. | Upfront | $995.00 |
| Non-Conforming Admin Fee — Charged monthly · Charged monthly per account split for ongoing administration of the loan. | Ongoing | $15.00 |
| Legal Fee — Covers standard legal costs incurred at loan establishment. | Upfront | $330.00 |
| Legal Disbursements — Third-party legal costs such as searches and registrations, charged at cost. | Upfront | Variable |
| Discharge Fee — Charged per plan when the loan is fully discharged. | Exit | $500.00 |
| Fixed Rate Lock Fee — Applies to fixed rates only if Rate Lock option is requested. | Upfront | 0.15% of balance |
| Valuation Fee — One standard valuation included. | Upfront | Variable |
| Title Protection Fee — Applicable where title protection is requested or required. Applicable only to Specialist and Specialist Plus product options. | Upfront | $400.00 |
| Risk Fee — Risk Fee may be payable depending on loan amount and LVR. | Upfront | Variable |

## Features

- **Offset account** (100% Interest Offset sub-account. Manage loan interest charged with an Offset sub-account. Not available during Fixed Rate term.)
- **Redraw facility** (Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time. Not available during Fixed Rate term.)
- **Card access** — Visa Debit Card (including payWave). Access additional advances with a Visa Debit Card.
- **Extra repayments** (Additional repayments. Make extra repayments at any time, subject to terms and conditions.)
- **Flexible Loan Terms. 10-40 year loan terms are available (maximum 30 years for Interest Only).**
- **Digital banking** (Provides borrowers online access to view and manage loan accounts.)
- **Repayment option - choose between variable and interest only (max 5 years) repayments.**

## Eligibility

- **Minimum age** — 18 years (Individual borrower must be 18 years + to enter into a contract.)
- **Residency status** — Only available to Australian Citizens or Permanent Residents.
- **All applications are subject to credit assessment and eligibility criteria.**

## Constraints

- **Minimum limit** — $50,000.00

## Data provenance

- Published by Mortgage Ezy under the Consumer Data Right
- Product ID: `MEZ02000`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/mortgage-ezy-aa7b0c/MEZ02000
- Provider page: https://www.cdrcompare.au/brands/mortgage-ezy-aa7b0c

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/mortgage-ezy-aa7b0c/products/MEZ02000) — 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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