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Stay away

1 out of 5, reviewed on Aug 15, 2017

With my one and a half year with lender, interest rate was increased 4-5 times. Rate increase notification is sent to you only 5days before rate change.
Last two rate increased within 4 months. My current interest rate is 5.14%. Therefore I have decided to move and getting better rate. 1.15% less.

Also beware of their Admin fee for discharge which is $895.
It is more that double the fee charges by big four banks.
Beware of their broker ([name removed]) as well who will make you stuck with this lender by creating a panic like situation by saying no one else can give you loan except this lender. He must be getting good cut from this lender.
My only advise - stay away from this lender and their brokers.

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Mortgage Ezy Official

Hi Sachin Kathpalia, Mortgage Ezy continually seeks to source the best interest rates available in the market for our clients. Home loan interest rates have been at historically low levels for ... read more »

Highly recommend

5 out of 5, reviewed on Jul 14, 2017

Mortgage ezy was able to approve us for a home loan even considering our sticky situation. They worked with us to look at all our options and we still got a great interest rate. We would recommend them for how helpful they were and the low rates

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1 out of 5, reviewed on Jul 04, 2017

OMG! Pay $250 to keep your Mortgage interest only and reapply for your existing loan. Poor customer service. Cannot inform me of new loan details. Cost me $2000 to exist. And i get a cheaper rate and better customer service.
Avoid getting a loan from here, it should be called MORTGAGE DIFFICULT not EZY!

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Mortgage Ezy Official

Hi Fred, I am sorry to hear your experience with Mortgage Ezy. Can you please private message us with your details so we can look into this further for you. Thank you.

Mortgage Ezy Official

Hi Fred, if you could please send us your contact details at your earliest convenience as we would really like to resolve this issue for you. Thank you.

Low low rate

5 out of 5, reviewed on Jun 27, 2017

Purchased our first investment property with Mezy and we really happy with the outcome and service throughout. The internet banking access is quite basic however it is worth it for the low rate. I would 100% recommend.

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5 out of 5, reviewed on Jun 20, 2017

I would like to thank Mortgage ezy! Im not one to write reviews however i feel i owe it to them! We were turned away from other lenders because of certain circumstances but Mezy were the only ones to actually help us and we Are now so happy with our home and home loan.

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Don't waste your time

1 out of 5, reviewed on Jun 07, 2017

MEZY is a time waster. Did everything they asked, received conditional approval pending valuation which came through at less than 60% LMI, was given the all clear as an acceptable property only for them to decline based on the towns population. Why could they not have found that out before? As in 3 weeks ago? But maybe it's a blessing seeing all the other bad reviews. Maybe I have dodged a bullet?

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5 stars

5 out of 5, reviewed on May 11, 2017

I was in a dilemma with my particular situation however my broke suggested Mortgage Ezy and they were able to offer me a home loan when other lenders told me that they couldn't. I feel as though they wanted nothing but the best for me and actually tried to help. The customer service line is also very helpful and friendly.

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Worst lender, Stay away

1 out of 5, reviewed on May 09, 2017

The worst lender I have ever seen on the market, I have been offered one year fix rate from Mortgage Ezy 18 months ago, and after the fixed term matured, my loan has switched to variable, and interest rate has gone up by 20% from 3.89% to 5.014%, which is much higher compare to other lenders. Now I am refinancing to a different lender, and it offers me much much lower rate, but just realized to discharge the loan from Mortgage Ezy will cost me more than $1,300 (discharge fee $895, their settlement agent $420 plus $55 of their admin fee), which is rip off compare to other lender's discharge fee around 300-350. NOT recommend this lender AT ALL!!! WHY should I Pay for their solicitor fee???

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  • 7 helpful votes
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Started average and getting worse by the minute

1 out of 5, reviewed on May 02, 2017

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Mortgage Ezy Official

Thank you for bringing this situation to our attention, as we strive to improve our service and we agree that this type if delay is not acceptable. With any change to a direct debit, a form wit... read more »


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Poor lender

2 out of 5, reviewed on May 01, 2017

Applying for a loan with Mortgage Ezy was one of the most stressful periods of time in my life.

Much of Mortgage Ezy's operations have recently been outsourced to the Philippines - and, like many previously good Australian businesses, they have begun the decent into 3rd world business that is the chaotic, underpaid, under-qualified, incompetent cesspit of the modern day Philippines, in return for a few more cheap bucks.

Your mortgage application by and large will be handled by a Philippine national. Call centres are manned from the Phil
ippines. You will not be able to talk to them during the application process if using a broker - your loan approval officer will categorically refuse to take your calls (via the Brisbane advertised number which is automatically redirected to the Philippines), and the whole approval process is completely un-transparent, complicated and painfully slow.

The call centre will tell you, "I do not have authorization to access your account" or "I cannot give you that information - call your broker".

Even though all my documents required were presented to Mortgage Ezy in a timely way, they sent a long complex questionnaire to my employer (when they stated it would be just a simple employment verification check) that was so confusing to the employer, it took the help of several different departments and over a week to complete. Some of the information required had was already clearly stated on my payslip (such as company BSB), but the Philippine approval officer had not bothered to read my payslip fully. None of this information is required by the Australian big four banks. I have never seen this information required through other smaller lenders either.

I almost lost not only my property but all my initial pre settlement inspection, legal and finder monies in the process because Mortgage Ezy almost missed the settlement deadline, due to this archaic employment verification check. My stress levels were through the roof. Approval was eventually granted approximately 24 hours before settlement deadline.

To be fair my employer is a slow moving behemoth itself, where everything follows a tedious, outdated formal procedure and process. However, even though employment verification documents had been already been provided to Mortgage Ezy, Mortgage Ezy required this lengthy questionnaire (which I was not allowed to complete) and then kept bombarding my employer with calls to see if the form had been completed.

This earned me a strong rebuke from my boss who described A_ngel A_pen's (Mortgage Ezy - Philippines) constant, hourly phone calls as border line harassment, and told me to tell her to stop it immediately.

Mortgage Ezy follow any complaints on this forum with a number to contact giving the impression that they are proactive about fixing problems. Don't bother with my complaint - Mortgage Ezy had ample opportunity to communicate with me during the approval process but refused, so I will not be contacting you now that the dust has settled, and I maintain that this review is factual and honest. If I could say what was the worst part of the whole experience in two words, it would be 'poor communication'.

If you are still reading this review, I would strongly urge you to reconsider applying for a loan through Mortgage Ezy. Their previous positive feedback on this website was not replicated in my experience even though I am an experienced investor and know the buying process well. Outsourcing to the Philippines has been a big mistake on the part of this lender.

If you are wondering what my credit rating and salary are like, Veda rates me as 'excellent' and my income is in the top 1% of Australian incomes. The point being - if getting a loan through Mezy was this hard for me, what will it be like for you?

I now look and feel a few years older and have a few more grey hairs now thanks to Mortgage Ezy. All in all this was a terrible, terrible experience. 2 stars for the good rate - zero for the rest.

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Mortgage Ezy Official

Thank you for your feedback and I apologise your home loan application with Mortgage Ezy wasn’t a positive experience. Due to the relationship you have with your Mortgage broker, he/she has alrea... read more »

Highly recommend

5 out of 5, reviewed on Apr 27, 2017

Our mort broker suggested mortgage ezy for us and being a company we hadn't heard of we were a bit worried but all was good. The major difference was the interest rates are much lower than the banks and the service through the whole process was great. I liked the text message updates it was really handy. I would recommend them

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Avoid like a plague!

1 out of 5, reviewed on Apr 19, 2017

My settlement was one month after i signed the contract. To ensure i have no problems on settlement, i engaged two companies to do quotations. Mezy came back with higher interest rates and all fees (penalty, etc) are high so i decided to go with another company without signing with them. To my disbelief, they sent me a quotation for their legal fees when i decided not to go with them!
I'm writing this review so others will not fall into scams by them.

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Mortgage Ezy Official

Hi Bec, We would like to better understand the specifics of your review. This is not a Mortgage Ezy Fee as we do not charge fees. This fee was simply passed on by Mortgage Ezy to you on the cost ... read more »

So, you admitted that there are external fees that incurred which you passed to a client even if the client decided not to pursue your service. That's the exact thing i am writing above.

Perfect home loan

5 out of 5, reviewed on Apr 19, 2017

Mortgage ezy arranged a home loan that was suited perfectly to us. we were very happy with the way they worked with us to understand our situation. We are very glad our broker recommended them

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5 out of 5, reviewed on Apr 07, 2017

I had a good experience with Mezy. The application was simple and it all happened quicker than I expected. Staff were knowledgable and professional

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Thank you

5 out of 5, reviewed on Mar 24, 2017

easy application process and helpful staff. We are saving money now on our repayments after refinancing from anz so I would recommend them highly.

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Decent service and rates

5 out of 5, reviewed on Feb 28, 2017

Quite an easy process, my home loan rate is much lower now after refinancing from my last bank. Decent customer service, I would recommend to all

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Great experience with Mezy

5 out of 5, reviewed on Feb 22, 2017

My experience with mortgage Ezy has been far above what I have received from others. Super helpful staff and the application process I found quite easy. I like that we were kept up to date with what has happening at each stage. From a couple of other reviews I have read on here ppl haven't had the same experience as me but it is not a trap or scam. I have recommended to friends who are going through the process now and are just as happy as me.

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Trap. Beware!!

1 out of 5, reviewed on Feb 17, 2017

When I signed up with Mezy there home loan rate was lowest. I paid extra $1000 application fee to get this rate. Little did I know it will be increased 25 points 2 months later without any RBA rate rise when nobody else increased rates. There is no public information on how rates were increased in the past. Just feel like trapped now. I will have to reconsider refinancing soon. I feel like they advertise lowest possible rate for some period and having no history publicly available makes it a scam.

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They make it Ezy!

5 out of 5, reviewed on Feb 16, 2017

Mortgage Ezy is honestly as it suggests...Ezy! We are really grateful to their team for helping us out. My wife and I had didn't have the best credit rating but they were still able to help us achieve the dream of ownin our own home. We were previously renters so this is our first home loan experience and we will be highly recommending them and hopefully using them in future for an investment property. Thank you kindly Mezy

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Helpful staff

5 out of 5, reviewed on Feb 14, 2017

Just wanted to share the good experience I had with Mortgage Ezy.. I'm Not usually one to write on review sites but my wife and I are very thankful for how much they helped us get a home loan. We must admit that we had a really tricky situation and they worked with us instead of turning us away. We are very appreciative of everything your staff have done for us,

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Questions & Answers

We recently got an investment loan. The rate has been increased TWICE in the last three months! This is not in line with RBA announcements. Prior to taking this query further we're providing Mortgage Ezy with the right of reply. Has an error been made?

Catherine asked on Apr 18, 2017

Is travel insurance included in the mortgage?

Ham asked on Dec 21, 2016

Answer this

Hi Ham,

To ensure we keep our interest rates low we do not include these add-ons.

Thank you.

Hi what's the advantages & disadvantages going with broker rather than directly dealing with the bank?

Nash asked on Nov 14, 2016