Mortgage Ezy Home Loans: Policy for Brokers 2026

Choose the Mortgage Ezy Range

Choose the range by borrower structure, loan purpose and available income evidence. Mortgage Ezy’s target market determination directory separates Ezy, Capitalizer, Plus, Propel and Specialist products.

A target market determination (TMD) describes who a product is designed for. Read it alongside the product terms and credit policy.

Three published documents show why the product name matters:

Selected range	Named credit provider or issuer	Borrower and purpose described in the TMD
Ezy Lo Doc	Source Funding Pty Ltd	Eligible borrowers seeking an owner-occupied or investment residential purchase or refinance. SMSF borrowers are excluded from its target market.
Capitalizer Full Doc	BC Securities Pty Ltd	Salaried or self-employed borrowers and eligible company or trust structures. Residential purchase, refinance and construction purposes are included.
Ezy SMSF	Source Funding Pty Ltd	The retained TMD describes residential investment purchases and refinances. Assess only a legally eligible existing, refinancing or acquisition-transition case under the rules below.

The Ezy Lo Doc TMD names Source Funding as issuer. The Capitalizer Full Doc document is BC Securities’ Prime Home Loan variable-rate TMD. Keep the range label and underlying product document together in the file.

Treat the named credit provider as product-specific. A funder or criterion from another Mortgage Ezy range cannot decide this application.

Individual Borrower Evidence

Match the income evidence to the selected full-doc or alternative-documentation route before calculating borrowing capacity. The Capitalizer Full Doc TMD includes salaried employees and self-employed borrowers who can demonstrate a sustained ability to repay. Its broader borrower categories don’t remove the need to establish the applicant’s actual income.

For full-doc preparation, organise employment and income records for employees. For a business owner, assemble personal and business tax records with financial statements. Identify the period each document covers and reconcile differences before presenting the income figure for assessment.

Keep turnover, business profit and the borrower’s personal income separate. Explain any proposed add-back and supply the record that supports it. The wider self-employed home loan guide explains how business-income evidence fits together.

Mortgage Ezy’s featured-product page lists an Ezy Lo Doc accountant-declaration option. It states there is no minimum time with the accountant and that accountant-prepared business activity statements (BAS) can be used without coming from the Australian Taxation Office (ATO) portal.

Those statements don’t establish that any declaration or BAS will satisfy the selected application. Obtain the product’s required form and identify the income amount, period and supporting records. Ask a specific question if the client’s business history or accountant relationship falls outside the proposed evidence route.

For example, a hypothetical borrower seeking Ezy Lo Doc has recently changed accountants and has accountant-prepared BAS. Present those facts with the business history and declared income. Ask whether that evidence meets the selected product’s requirements, rather than transferring a Plus or Propel documentation rule to Ezy Lo Doc.

Also present personal liabilities and living expenses. Alternative income documentation still needs to support an affordable repayment assessment.

SMSF and Security Checks

Establish legal borrowing eligibility before applying Mortgage Ezy’s SMSF criteria. The 2026 amendment restricts new limited recourse borrowing arrangements (LRBAs) for real property to business real property, subject to the transition provisions. A retained residential product document doesn’t establish permission for a new residential acquisition.

Schedule 5 of the amending Act preserves these categories:

• A borrowing arrangement entered into before the amendment commenced.
• An arrangement maintaining or refinancing a borrowing under an arrangement entered into before commencement, to the extent the statutory exception applies.
• An acquisition under an arrangement entered into before commencement, even if settlement happens afterwards.

Obtain the executed borrowing documents or binding acquisition contract that establishes the relevant category. The Act gives the exact commencement boundary. Have the client’s legal adviser confirm how the transition applies before seeking a residential product decision.

The Ezy SMSF TMD describes residential investment purchases and refinances. Apply that description only after establishing legal eligibility. The TMD excludes owner occupation and borrowing to construct a dwelling from its target market.

For a proposed business-real-property acquisition, assess both statutory eligibility and the selected lender range. The directory lists commercial SMSF products separately. Their existence doesn’t widen Ezy SMSF’s residential criteria or establish that every commercially labelled property qualifies.

Fund, Trustee and Guarantee Evidence

Identify the SMSF trustee, property-holding trustee and proposed guarantors separately. Mortgage Ezy’s SMSF application form asks for certified fund and property trust deeds, trustee-company registrations and signatures from applicants and guarantors. It also calls for evidence of funds to complete.

The form distinguishes established funds from newly established funds. It asks for fund financial records and contribution evidence, with different supporting information for a new fund. Assemble the relevant records, then confirm the selected range’s requirements for the particular trustee and guarantor structure.

Have the client’s legal adviser check the deeds and borrowing documents before execution. The ATO’s borrowing guidance explains that an LRBA funds a single asset held in a separate trust. Lender acceptance and compliance with that structure are separate checks.

Property and Fund Cash Flow

Describe the property’s use, location and title arrangement, including any unusual features. For residential investment property, establish who will occupy it and whether any party is related to a member. Moneysmart’s SMSF property guidance explains the restrictions on member or related-party occupation and the need to plan for vacancy or interrupted contributions.

Show rent and contributions separately from the fund’s costs. Include ongoing fund administration and property expenses when assessing the repayment budget. A member’s personal earnings support the contribution evidence, but aren’t automatically cash available to the fund.

Use the SMSF loan guide for the broader borrowing structure. Keep Mortgage Ezy’s product decision tied to the fund, security and evidence actually proposed.

Present the Scenario

A concise Mortgage Ezy broker enquiry states the proposed range and asks for a decision on one defined policy point. Mortgage Ezy’s broker contact page directs scenarios to scenarios@mezy.com.au and lists 1800 866 399 for broker enquiries.

Prepare the enquiry with:

• The product range, named credit provider and loan purpose.
• The borrower structure and relevant residency or business history.
• The loan amount, property value and calculated loan-to-value ratio (LVR).
• The income figure and documents supporting it, with periods covered.
• Existing debts, repayment commitments and the proposed term.
• For an SMSF, the legal eligibility category and supporting documents, trustee and holding-trust structure, guarantors, contributions and fund expenses.
• The exact policy question and any condition the client cannot meet.

For an eligible existing arrangement, ask whether an Ezy SMSF residential refinance accepts the proposed trustee structure and contribution evidence. Attach the relevant summary and identify the supporting documents available through the approved submission process. A generic question about “SMSF policy” cannot resolve those details.

Keep the written response with the product document it applies to. Before lodging, check that the application still uses the same range and that the evidence meets the response’s conditions. If the range changes, reassess the borrower and security against the replacement product’s rules.