MA Money Financial Services Pty LtdCommercial Loan – Prime (≤$4m)
MA Money Prime commercial mortgage for predominantly business-purpose lending, available under Full, Alternative, Lease and Light Documentation pathways.
At a glance
- Variable
- 8.09%
- Loan size
- $100,000 to $4,000,000
- Upfront fee
- $899
- Monthly fee
- $0
How it compares
This business loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
| Rate | This business loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 8.09% | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions | 30th lowest of 47 |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 8.09% | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions | 30th lowest of 47 |
Rates
Every rate MA Money Financial Services Pty Ltd publishes for this business loan, 44 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 8.34% | - | Available under Lease Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 9.94% | - | Available under Light Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$4,000,000 | 8.09% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$4,000,000 | 8.74% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 8.74% | - | Available under Lease Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$4,000,000 | 8.44% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$4,000,000 | 8.89% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$3,000,000 | 8.64% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$3,000,000 | 9.29% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,500,000 | 9.09% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,500,000 | 10.14% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 8.34% | - | Available under Lease Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 9.94% | - | Available under Light Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$4,000,000 | 8.09% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$4,000,000 | 8.74% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 8.74% | - | Available under Lease Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$4,000,000 | 8.44% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$4,000,000 | 8.89% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$3,000,000 | 8.64% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$3,000,000 | 9.29% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,500,000 | 9.09% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,500,000 | 10.14% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 8.34% | - | Available under Lease Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 9.94% | - | Available under Light Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$4,000,000 | 8.09% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$4,000,000 | 8.74% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 8.74% | - | Available under Lease Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $100,000–$4,000,000 | 8.44% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $100,000–$4,000,000 | 8.89% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $100,000–$3,000,000 | 8.64% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $100,000–$3,000,000 | 9.29% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $100,000–$2,500,000 | 9.09% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $100,000–$2,500,000 | 10.14% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 8.34% | - | Available under Lease Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 9.94% | - | Available under Light Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$4,000,000 | 8.09% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$4,000,000 | 8.74% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 8.74% | - | Available under Lease Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $100,000–$4,000,000 | 8.44% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $100,000–$4,000,000 | 8.89% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $100,000–$3,000,000 | 8.64% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $100,000–$3,000,000 | 9.29% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $100,000–$2,500,000 | 9.09% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $100,000–$2,500,000 | 10.14% | - | Available under Alternative Documentation. |
Rate changes
4 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $100,000–$2,000,000 | 8.44% | 8.74% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, 65–70% LVR, $100,000–$2,000,000 | 8.44% | 8.74% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR, $100,000–$2,000,000 | 8.44% | 8.74% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR, $100,000–$2,000,000 | 8.44% | 8.74% | up 0.30 |
Each change is logged the night it appears in the rates MA Money publishes. See how every lender answered the RBA on the rate tracker.
Fees
9 fees published, grouped by when they're charged.
- When you take it outUp to $8993 fees, each listed below
- While you hold itUp to $252 fees, each listed below
- When you close it or pay it offVaries2 fees, each listed below
When you take it out3
- Application Fee
Application fee $899. Excludes GST.
$899 - Risk Fee – Alt Doc and Light Doc
Risk fee 1.00% of the loan amount applies to Alt Doc and Light Doc at all LVRs available under this product. Excludes GST.
1.00% of balance - Risk Fee – Full Doc and Lease Doc
Risk fee 0.85% of the loan amount applies to Full Doc and Lease Doc at all LVRs available under this product. Excludes GST.
0.85% of balance
While you hold it2
- Monthly Fee
Monthly fee $25. Excludes GST.
$25 a month - Offset Account Fee
No fee to hold an offset account. Excludes GST.
No fee
When particular things happen2
- Legal Fee
Legal fee from $750. Excludes GST.
From $750 - Valuation Fee
Valuation fees are charged at cost and paid prior to valuation being ordered via Property Hub. Full valuations only for commercial loans. Excludes GST.
From $0
When you close it or pay it off2
- Discharge Fee
Discharge fee from $500. Excludes GST.
From $500 - Early Repayment Fee
2% of the original loan amount if the loan is fully repaid within the first 3 years. No early repayment fee after 3 years. Excludes GST.
2.00% of balance
Features
- Up to 4 loan splits per loan.
- Interest Only available up to 10 years. on commercial loans — IO rate equals P&I rate.
- No annual review or revaluations required.
- No clawbacks on commercial loans.
Eligibility and limits
- Residency: Australian-based borrowers and eligible Expat borrowers for loans up to $2m
- Amount $100,000 to $4,000,000
- Maximum LVR 80%
- Available to companies, trusts and individuals. Up to 6 borrowers. Loan purpose must be predominantly (>50%) for business purposes. A signed Business Purpose Declaration is required, confirming ackno…
- Prime credit quality required. Aggregate paid defaults up to $1,000 may be considered. Mortgage arrears, other arrears and bankruptcy are not accepted under Prime.
- Minimum Debt Service Coverage Ratio (DSCR) > 1.0x. Buffer rate +2.01% applied. IO loans assessed on P&I basis over remaining term. Lease Doc: Interest Coverage Ratio (ICR) ≥ 1.2x.
- ABN must be held for more than 24 months and GST registration for more than 12 months.
- Commercial property zoned commercial or similar, situated in Australia, secured by first registered mortgage. Acceptable types: retail shops, offices, light industrial and warehouses. Maximum 25 acre…
- Loan term 5 to 30 years. Interest Only available up to 10 years.
- Full Documentation (Full Doc): 1 year company/trust and personal tax returns. Alternative Documentation (Alt Doc): Declaration of Financial Position plus accountant letter, last 2 BAS, or 6 months bu…
- Cash out to maximum LVR available.
- Business debt consolidation is available to the maximum LVR. ATO debt and private-loan debt cannot be consolidated under Prime Commercial.
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Published by MA Money under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.