EZLendr review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

EZLendr suits US homeowners borrowing a large lump sum for renovation work, purchase or equity release. It is a broker rather than the lender, works as a fixed-rate lender of $200,000 over 360, and quotes an initial rate of 7.03%.

Key facts

Best for
US homeowners funding renovation, purchase or home equity through one fixed-rate broker application.
APR
7.03% (Source, checked September 26, 2026)
Loan amount
$200,000 (Source, checked September 26, 2026)
Term
360 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Loan types
Personal, Business, Credit-line, Secured, Bridging (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Bridge National (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
ezlender.ai

Mortgages

Initial rate
7.03% (Source, checked September 26, 2026)
Fixed period
30 years (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Bridge National (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2019 (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)

Pros and cons

Pros

  • Broker placement covers personal, business and credit line, so one application can reach personal, business, secured and bridging lenders
  • Fixed-rate pricing holds at 7.03% for 30, longer than the site median of 6.5
  • Borrowing $200,000 over 360 sits well past the site term median of 36
  • Purposes include purchase, remortgage and home equity, so purchase, remortgage and home equity all run through the same application

Cons

  • Support runs on email only, while phone support is common at 85% of lenders on the site
  • As a broker, the lending decision sits with the funder rather than EZLendr
  • Borrowing is capped at $200,000, so larger projects need another route

Ready to try EZLendr?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • US homeowners planning renovation work listed under home improvement
  • Buyers or remortgagers using the purchase, remortgage and home equity routes
  • Borrowers who value a fixed fixed rate held for 30

Who should look elsewhere

  • Monzo Flex, where 10% to 23% suits people wanting an existing bank rather than a broker placing home loans
  • Cashspace, whose PHP 12 to PHP 36 sits in a different market to a US fixed-rate property loan
  • Anyone needing phone help, since support is email

How EZLendr compares

Frequently asked questions

What rate does EZLendr quote?+

EZLendr quotes an initial rate of 7.03% and an annual percentage rate of 7.03%. Both are fixed rather than variable, so payments stay level. The site median initial rate is 4.35%, which puts EZLendr below the middle of the market.

How much can I borrow and for how long?+

The stated amount is $200,000, spread over a term of 360. That is a long repayment window compared with the site term median of 36, which suits owners who prefer smaller monthly payments on a large balance.

Is EZLendr a lender or a broker?+

EZLendr is a broker, so it places your application with lenders rather than lending to you itself. Brokers are a smaller share of the market at 20.6% than direct lenders at 72.1%. The legal entity named is Bridge National.

What can I use the money for?+

Purposes covered include purchase, remortgage and home equity, and home improvement is the listed use case. Loan types include personal, business and credit line, so a renovation can be handled as a secured or credit-line arrangement as well as a personal loan.

How do I get help with my application?+

Support runs on email, so questions are answered in writing rather than by phone. Email is the most common channel on the site at 79%, while phone support reaches 85%. Budget extra time for replies if you prefer talking it through.

Where is EZLendr based?+

The headquarters country is US, so EZLendr lends into a US market. It was founded in 2019 and applies to US property, so borrowers elsewhere should check availability before applying.

Does EZLendr offer fixed or variable rates?+

The rate type is fixed, held for a fixed period of 30. That is longer than the site median fixed period of 6.5, which protects payments from rate resets for longer than most offers.

Sources

  • ezlender.ai checked September 26, 2026

    Backs: Loan amount, APR, Fixed period, Initial rate, Legal entity, Lender type, Loan types, Pricing model, Purpose, Rate type, Term, Use cases

    “$200,000 loan”

  • ezlender.ai/about checked September 26, 2026

    Backs: Founded

    “Aug 2019 Founded company”

  • ezlender.ai/terms-of-use checked September 26, 2026

    Backs: Headquarters, Support channels

    “Address: 1800 S Ocean Dr, Hallandale FL, USA”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

EZLendr

US homeowners funding renovation, purchase or home equity through one fixed-rate broker application.

8.9/10See alternatives

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