Mortgage EZY. Making your mortgage TOO EZY!

FIXED RATE HOME LOAN

Mortgage Ezy’s Fixed Rate Home Loans protect you against interest rate increases for an agreed time, so you have the peace of mind of knowing what your repayments will be. Our Fixed Rate offering has been consistently amongst lowest rate in the country, and you can take advantage of this low rate by borrowing up to $2 million!

A Fixed Rate Home Loan is available for any period from one up to five years. Further, a small fee can lock in the rate insuring you from a rate rise prior to settlement. However, if the rate goes down within the period, this rate lock allows you to take advantage of that as well; putting you in a win-win situation, either way.

STANDARD VARIABLE HOME LOAN

The Mortgage Ezy Standard Variable Home Loan is designed to give you full flexibility and value. It is one of the most popular mortgages around, typically offering you maximum flexibility and great features, including the option to fix or split your loan, make additional repayments when you can afford to, and redraw when you need to – always accommodating changes in your circumstances.

INVESTMENT HOME LOAN

Investing in property can be a great way to build wealth. It’s attractive for several reasons including rental income, capital growth and tax effectiveness. Property investment is a great way to secure your financial future. Plus with the right Investment Loan you may be able to use the equity you’ve built up in your own home and make your money work harder.
Our lending consultants have years of experience in writing Investment Loans, and our highly competitive rates mean you are in the best position to make money on your investment.

LO DOC HOME LOAN

For many people, the biggest barrier to buying a home is gathering all the documents necessary to qualify for a home loan. Lo Doc and No Doc Loans solve this problem to a great extent, offering flexibility to self-employed applicants, people who may have had a lag in finalising their financials, those whose affairs are structured in a way that may not necessarily reflect on paper their true income, or even those that might have multiple companies and trusts and simply want to cut through the red tape.

Mortgage Ezy’s Lo Doc Home Loan is designed to help you obtain the finance you need with a self-certification of your income, and without the usual hassles of financial statements or tax returns!

FIRST HOME OWNER HOME LOAN

Buying your first home is exciting, but it can also be a little daunting. At Mortgage Ezy, we’re here to make it as easy for you as possible. Of course, there are a number of loans to choose from and depending on your circumstances, your current income, your savings history and other nitty-gritties, you could borrow up to 100% of the property value.
What’s better is, you could receive up to $21,000 with the State Government administered First Home Owner’s Grant – bringing you one step closer to your dream of buying your own home!

CONSTRUCTION HOME LOAN

If you're building a new home, Mortgage Ezy’s Construction Home Loan makes the process Ezy by reducing the interest payments during the construction period. You simple pay interest only on the balance as it is drawdown. We make up to 5 progressive payments directly to your builder. The Builder is paid in stages to ensure guidelines are met to protect you, our client. We use a valuer to assess the land and proposed construction initially and on an ongoing basis during the construction period to monitor progress of your new home. We make progressive payments to the Builder only after the valuer has confirmed that each stage has been completed AND you are satisfied with the completed work.

Our Construction Loan is ideal for purchasing land (where there is the intention to build), Constructing a residential property on land already held and/or completing the land purchase and construction.

REFINANCING YOUR HOME LOAN

Is your current home loan working as well as you’d hoped it would? If not, call Mortgage Ezy today to refinance your home loan with us and let us get your loan back into shape. Refinancing gives you the ability to change your home loan to suit your changed needs and to take advantage of better opportunities.
You may want to refinance for various reasons, such as renovating your home, paying off your debts quicker, getting a cheaper rate etc. All you have to do is take out a new loan with Mortgage Ezy, and use the funds to pay out your existing loan – often cutting your repayments drastically and even freeing up cash to improve your home.