Mortgage Ezy
Verified1,159 reviews
AI reviews summary
Mortgage Ezy receives high praise for its accessibility and human-centric customer service, with many users highlighting the rare ability to speak directly with knowledgeable staff without long wait times. The company is particularly well-regarded for its expertise in Self-Managed Super Fund (SMSF) loans, often providing finance for complex scenarios where traditional banks may not. While the overall sentiment is strongly positive, there is a clear divide between the high quality of personal interaction and the limitations of their digital infrastructure.
Pros
- Exceptional Customer Support: Staff members are frequently described as professional, patient, and proactive, often guiding clients through complex onboarding or technical setups step-by-step.
- SMSF Loan Specialisation: Users consistently report successful outcomes for SMSF property purchases and refinances, noting that the team possesses the technical expertise required for these complex financial structures.
- Competitive Pricing and Features: The company is praised for offering sharp interest rates and valuable features, such as offset accounts for SMSF loans, which are noted as rare in the current market.
- Responsive Communication: The "Client Care" team is highlighted for quick email turnaround times (often within hours) and minimal phone wait times.
Cons
- Underdeveloped Digital Experience: A recurring complaint is the lack of a user-friendly mobile app and an "unintuitive" web portal that lacks basic functionality, such as the ability to download statements or view current interest rates.
- Lengthy Approval Timelines: Several users experienced significant delays during the initial application and assessment phases, sometimes requiring extensions on finance clauses or causing stress during property settlements.
- Complex Administrative Processes: Some feedback indicates that the application and discharge processes can be cumbersome, involving repetitive paperwork and manual steps that contrast with the "Ezy" branding.
- Confusing Account Structures: Multiple reviewers mentioned confusion regarding account numbers for transfers and a lack of transparency in the online portal regarding loan balances and linked accounts.
Verdict
Mortgage Ezy is an excellent choice for borrowers seeking competitive rates and personalised service, particularly those navigating the complexities of SMSF lending. While their digital tools and initial approval speeds may lag behind major banks, the quality of their direct human support and specialist product knowledge largely compensates for these technical shortcomings.
Taking out a loan with Mortgage Ezy was a smooth and hassle-free experience. Their call centre team was highly efficient in resolving my queries and providing excellent customer service throughout the process. Yes, I would definitely recommend Mortgage Ezy to others.
We have been with MEzy for near on 4 years and are currently refinancing with them. They have really come to the party with our best rate request - so much so that our new broker couldn’t beat it!
I would like to thank Juliet for her outstanding assistance. She explained all of the documents to me in a professional, clear, and easy to understand manner, making sure I fully understood every step of the process. Juliet also made it very easy for me to access my account and my profile, patiently guiding me through everything and answering all… Read more
of my questions. Her knowledge, professionalism, and friendly approach made the entire experience smooth. I truly appreciate her excellent customer service and would highly recommend Morgage EZY to anyone needing assistance or new finance.
Reviews with attachments
Professional, responsive, and easy to deal with. Mortgage Ezy made the loan process simple and transparent. Great communication and reliable service. Highly recommended. Show reply
Latest follow-ups
My experience with Mortgage EZY with settlement was streamlined. The only hiccup was my end in not reading the discharge form completely before sending off and had to a second form. Once that was sorted it all was all smooth. Show reply
Follow-up · The hiccup was that i did the form online the added an e signature and emailed . Where the form needed to be printed then signed with a pen the post the original which was clearly printed on the form.
Very Poor Customer Service.....has taken 9 months (so far) to try and refinance SMSF loans for our investment properties and we are still not done. Required constant follow ups and unknown delays just aggravated the process.
Follow-up · Despite repeated escalations by our Broker Mortgage Ezy just fail to act. No respect for customer service or communication - dreadful company to deal with. Has cost us thousands $$ in extra unnecessary interest payments.
Head for the hills. Took nearly 90 days to get approved for a mortgage we were capable of purchasing in cash. They withheld funding the night before we were to close. MEZY is not the lender, but an intermediary, so you're not dealing with MEZY you're dealign with MEZY's bank and whatever their rules are. Still clear. Show details
Follow-up · Mortgage Made Ezy: Unless you want to change where direct debits come from. Then you need wet signatures, and then a subsequent phone call to verify that the wet signatures used to sign a document to change where the direct comes from were in fact legitimate instructions and that is still required if you want to use the offset account. Mortgage Made Ezy.
In-depth reviews
Update Lost my new car purchase looks like house is next – I HAVE NOW LOST CAR AND THE CAR DEPOSIT. Mortgage ezy wrote to me three weeks ago saying I was preapproved and they just required ID and a letter of employment. These were supplied in April however I sent again. Then I was required to have a house valuation done great another hope that was not disclosed My house valued in at $340k with a estimate… Read more
of 10k cosmetic repairs. I was then told I was to do cosmetic repairs before I would be approved. Now please bare in mind a these requests etc have been via email typed by broker not by mortage ezy i also haven't had correspondence on official letter head letters or signed by mortgage ezy. Two weeks iv waited and still nothing so iv sought out a local broker. My plans from here is to contact consumer affairs regarding the complete continual incompetence of Rebecca Mitchell Broker and Mortgage Ezy. I have an Elders Real Estate Broker who's work is just as poor as mortgage ezy. Mortgage Ezy have dragged my consolidation loan of house and car to the sum of 60k out for a total of 5months. Each week that goes by I'm being asked for updated documents and documents iv already submitted for again the last 5 months. Friday I received a pre approval with a note of two conditions required to secure loan. The outlined conditions were ID and a letter from my employer 2 things I had already sent at the start of the application however I resent. Today another curve ball. Mortgage Ezy want me to pay the sum of $400 for a valuation on my property. 1 this is generally at the cost of the lender not the borrower 2 this is usually done in the begining before an application is submitted and 3 this was NOT outlined in my pre approval requirements. I'm on the verge of loosing my new car the car deposit and my home. I have sent an email higher to Mortgage Ezy and will be going even higher in the next 24 48 hours. This is only the third loan in my 45years iv applied for being 1car and my property and both transactions were without hoop jumping. Basically if this is not finalised by the end of the week not only will I be taking my application else where I will also go as far as I can to stop this ridiculously long process being put on anyone else. Megan Casboult
First Class Service - Above & Beyond – My wife and I requested for our properties to be valued so we could assess our options based on our equity position. Ron Dylan & Carla Clarkson were our touch points at Mortgage Ezy. We were faced with great push back from valuation company as they continually stated that they needed the building contract before proceeding with the valuation for… Read more
one property (we had a quote only done months ago for a potential granny flat). We could not express enough that we just wanted to have this assessed as it stands.
This is where Carla and Ron went above and beyond to work tirelessly to have the valuation carried out as per our instructions. There was transparency and quick action as they both understood the urgency in this matter. neither Carla or Ron stopped working for us. We cannot express how grateful we are for the work Carla and Ron put into changing the mentality of the valuation company as the result was fantastic when we received the results.
Mortgage Ezy have been nothing but professional, transparent and helpful in all dealings with them. This is why we have our current investments with them and all future investments will be going through them also.
Look for Ron Dylan – I had refinance 2019, Ron worked on it swiftly and went smoothly. Early 2020, Ron walked me through the process for how to use the equity in the current property and getting a second loan to purchase another property (it felt he was my uncle giving advise with different options). In Dec 2020, Ron accommodated us multiple times to discuss the same… Read more
inquiry but in a more detailed sense. In late Jan 2021, I started the application for getting my equity and second loan for a property that will settle in end of April 2021. Due to the circumstance of the property to be purchase there were issues in getting a loan approval. However, Ron was able to resolve it and by mid April 2021 I got a formal loan approval. As part of the process I was transferred to settlememt department but Ron was still engaged making sure that property gets settled by end of April. And it did!
Thanks to Ron my issues got resolved quickly, and has expedited my case from getting loan approval to getting the property settled.
Ron did exceptional job and went above and beyond. ------------ About Motgage Ezy online banking, they do not have an app however I like their online banking interface.
Positive reviews
Once again, while requesting information regarding our accounts, the team from Mortgage Ezy were very prompt and courteous, as they have always been when we have reached out to them. Show reply
I was very pleased of the service I received as a customer from Mortgage Ezy on my SMSF home loan. It definitely helps when you have a broker who knows what he's doing; especially when buying a property in your SMSF. Show reply
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Been with mortgage ezy for last 4 years for SMSF property. Excellent customer service. Friendly staff, fast service and smooth banking experience. Highly recommended. Show reply
Negative reviews
Difficult to navigate the steps without contacting the customer service. Phone conversation was interrupted a lot time not sure from which end. I wish the service was a bit more user friendly.
We appreciate your honest feedback. Making our… Read more
Really great experience financially, with competitive interest rates and helped us pay down a chunk of our loan. However customer service not so great, when we initially refinanced we had some problems with the split and redraw and calling customer service at reduce was a headache, we encountered a lot of staff who didnt know how to help, or… Read more
weren't knowledgable and would often say they need to speak to others in the team and then call back hours or days later. Also there is no app, only a website and not very user friendly. Thankful for the amazing interest rates during covid and how cheap our loan was though!
Thank you for your detailed feedback. We’re glad you… Read more
MEZY was great in that they provided a great interest rate on my loan. When I refinanced with them, initially my experience was very good, however the downfall was that the website isn't as user friendly as the bigger banks are with there mobile apps etc. I also came across some customer service issues with staff not always having the knowledge of… Read more
issues I experienced when calling them. I had to wait sometime for callbacks. There was also a miscommunication with my redraw facility that I was told was capped when it shouldn't have been. For these reasons I have given 3 stars
Thanks for your honest feedback. We’re pleased you… Read more
Recent reviews
I have Mortgage Ezy Home Loans for 2 of my SMSF properties, and they have been fantastic to deal with. Very responsive to queries and easy resolutions. Highly Recommend them. Show reply
I had a great experience when I contacted Mortgage Ezy Customer Care. Sharon Adhiambo went above and beyond to understand my needs and recommend an offset account option, giving me a valuable alternative to consider. She clearly explained the process step by step and was extremely helpful throughout. This is what truly exceptional customer service looks like. Thank you, Sharon! Show reply
Very happy with both their rates and customer service. The team is always friendly, helpful, and willing to go the extra mile to assist. The whole process has been smooth and stress-free from the start, and I've honestly never had such an easy and positive experience with any other financial institution. Highly recommend! Show reply
I had a positive experience with Mortgage Ezy. Their client care team was helpful, responsive, and provided the account statements I needed promptly. The process was straightforward and professional. Thank you for your assistance. Show reply
I am grateful for the professional customer service received from Alyssa earlier today. Each interaction has been a pleasure and allayed my anxiety. Alyssa took me through each request, communicating clearly and providing me with all of the information and documents I needed. Thank you. Show reply
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Vaughan and his team have given me a fantastic experience from start to finish. Their customer service is outstanding providing prompt, clear and professional advice. I would highly recommend them to anyone. Show reply
MEZY were great when I needed the loan. All the initial set up was easy, and the service always friendly and helpful. If they were more responsive to rate reviews, I may still be with them. Show reply
MEZY has been our SMSF lender for years. Very happy with the service which due to the legalities has a few constraints which they've worked around very well to make transactions simple. Rates are competitive and the service team is always friendly, responsive and efficient. Happy days! :) Show reply
We had great experience with Mortgage Ezy with our recent loan settlement. The team was very supportive and professional throughout the process. Highly recommended!!
We needed the discharge to be completed ASAP as we were late in submitting the request and other settlement was due. Team was very helpful in expediting the process and very respinsive to our calls and supported us very well Show reply
I had an excellent experience with Grace from customer care. She helped me login to my portal explaining every step of the process. Very knowledgeable and polite Show reply
Staff were knowledgeable and although I was transferred to several departments due to several inquiries, it was seamless. They handled my inquiries professionally and the turn around time for activation was prompt Show reply
it would be nice to know them earlier instead of going to the big bank. Down to earth loan company provide excellent terms and service. Their online portal is easy to navigate, not to mention their phone service is quick and responsive. Not suggest to put all egg in a bucket but certainly give it a shot. Show reply
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Dear Megan, We are most sympathetic to your… Read more (+1 reply)