LENDER PROFILE
Mortgage Ezy
Alt-doc · Self-employed · SMSF
Halo's primary wholesale funder. Specialist non-bank with deep alt-doc, self-employed and SMSF policies, integrated end-to-end with the Halo broker workflow — no rekeying, no phone queues.
Policy notes updated 2026-04-22
Why Mortgage Ezy is Halo's anchor funder
Halo's wholesale relationship with Mezy is the spine of our alt-doc and SMSF lending. Where the big-fours apply blanket caution, Mezy underwrites scenario-by-scenario — letting Halo say yes to deals other channels would either decline outright or bury in conditions.
Policy snapshot
| Metric | Mezy via Halo |
|---|---|
| Full-doc OO max LVR | 95% (LMI) |
| Alt-doc max LVR | 85% (1-yr financials or accountant letter) |
| SMSF LRBA max LVR | 70% |
| Investment max LVR | 85% |
| Construction max LVR | 90% |
| Typical decision | alt-doc 48-72 hrs · SMSF 5 business days |
Why we lead with Mezy on Halo Flex scenarios
Halo Flex Alt-doc is funded through Mezy. The advantages flow through the portal, not the call centre:
- Single-channel doc handover — broker uploads in Halo, Mezy underwriter sees the same files instantly. No emails, no faxes, no reupload.
- Direct credit officer access for accredited Halo brokers — bypasses the typical BDM gatekeeping for genuine policy questions.
- Trail protected — clawback structure aligned with Halo's broker covenant; full trail from month one.
What to keep an eye on
- Pricing competitive but rarely the absolute lowest — Mezy trades 5-10 bp for policy flexibility
- Valuation panel narrower than the big-four; rural and acreage routes through approved valuers only
- HEM-strict on living expenses for high-LVR self-employed deals
Next step
Check fit with Mortgage Ezy
Drop your client profile into the Halo scenario tool — we'll tell you if this lender is the right call and how much they'll lend.
Run a scenario →