MA Money Financial Services Pty LtdResidential Home Loan – Specialist (≤$2m)
MA Money Specialist residential mortgage for owner-occupied or investment purposes, available under Full Documentation and Alternative Documentation pathways.
Home loansLender updated 9 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 9.64%
- Variable (investor P&I)
- 9.94%
- Max LVR
- 80%
- Annual fee
- $0
- Features
- offset, redraw, extra repayments
How it compares
This home 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 10.54% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 102nd lowest of 102 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 10.84% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 102nd lowest of 102 |
Rates
Every rate MA Money Financial Services Pty Ltd publishes for this home loan, 32 in all.
Variable rate by LVR
Owner occupier, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤65%9.64%
- 65–70%10.14%
- 70–75%10.39%
- 75–80%10.54%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$1,750,000 | 10.59% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 10.14% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$1,500,000 | 11.09% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 10.64% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$1,500,000 | 10.89% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$1,500,000 | 11.24% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$1,000,000 | 11.04% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$1,000,000 | 11.39% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$1,750,000 | 10.39% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 9.94% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$1,500,000 | 10.89% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 10.44% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$1,500,000 | 10.69% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$1,500,000 | 11.04% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$1,000,000 | 10.84% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$1,000,000 | 11.19% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$1,750,000 | 10.29% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 9.84% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $100,000–$1,500,000 | 10.79% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 10.34% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $100,000–$1,500,000 | 10.59% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $100,000–$1,500,000 | 10.94% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $100,000–$1,000,000 | 10.74% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $100,000–$1,000,000 | 11.09% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$1,750,000 | 10.09% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 9.64% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $100,000–$1,500,000 | 10.59% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 10.14% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $100,000–$1,500,000 | 10.39% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $100,000–$1,500,000 | 10.74% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $100,000–$1,000,000 | 10.54% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $100,000–$1,000,000 | 10.89% | - | Available under Alternative Documentation. |
Rate changes
16 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable, Investment, Interest only, ≤65% LVR, $100,000–$1,750,000 | 10.29% | 10.59% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, ≤65% LVR, $100,000–$2,000,000 | 9.84% | 10.14% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $100,000–$1,500,000 | 10.79% | 11.09% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $100,000–$2,000,000 | 10.34% | 10.64% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, ≤65% LVR, $100,000–$1,750,000 | 10.09% | 10.39% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, ≤65% LVR, $100,000–$2,000,000 | 9.64% | 9.94% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, 65–70% LVR, $100,000–$1,500,000 | 10.59% | 10.89% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, 65–70% LVR, $100,000–$2,000,000 | 10.14% | 10.44% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, ≤65% LVR, $100,000–$1,750,000 | 9.99% | 10.29% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, ≤65% LVR, $100,000–$2,000,000 | 9.54% | 9.84% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR, $100,000–$1,500,000 | 10.49% | 10.79% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR, $100,000–$2,000,000 | 10.04% | 10.34% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, ≤65% LVR, $100,000–$1,750,000 | 9.79% | 10.09% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, ≤65% LVR, $100,000–$2,000,000 | 9.34% | 9.64% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR, $100,000–$1,500,000 | 10.29% | 10.59% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR, $100,000–$2,000,000 | 9.84% | 10.14% | 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
10 fees published, grouped by when they're charged.
- When you take it outUp to $8995 fees, each listed below
- While you hold itUp to $102 fees, each listed below
- When you close it or pay it offFrom $550Discharge Fee
When you take it out5
- Application Fee – Alt Doc
One-off upfront fee for Alt Doc applications. Excludes GST.
$899 - Application Fee – Full Doc
One-off upfront fee for Full Doc applications. Excludes GST.
$899 - Risk Fee – Specialist Alt Doc LVR ≤65%
Alt Doc risk fee 1.50% of the loan amount applies at LVR ≤65%. Excludes GST.
1.50% of balance - Risk Fee – Specialist Full & Alt Doc LVR >65% to 80%
Risk fee 1.50% of the loan amount applies for Full Doc and Alt Doc at LVR greater than 65% and up to 80%. Excludes GST.
1.50% of balance - Risk Fee – Specialist Full Doc LVR ≤65%
Risk fee 0.75% of the loan amount applies for Full Documentation at LVR up to and including 65%. Excludes GST.
0.75% of balance
While you hold it2
- Annual Fee
Annual account keeping fee. Excludes GST.
No fee - Offset Account Fee
$10 per offset account per month. Maximum 4 per loan. Excludes GST.
$10 a month
When particular things happen2
- Legal Fee
Legal fee from $400. Excludes GST.
From $400 - Valuation Fee
Charged at cost via Property Hub. AVM and Desktop valuations available subject to eligibility. Excludes GST.
From $0
When you close it or pay it off1
- Discharge Fee
Discharge fee from $550. Excludes GST.
From $550
Features
Offset accountRedrawExtra repaymentsDigital banking
- Interest Only repayments are available for up to 5 years. Interest-only loans revert to principal and interest at the end of the IO period.
- Up to 4 loan splits per loan. One offset account available per split.
Eligibility and limits
- Residency: Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents
- Amount $100,000 to $2,000,000
- Maximum LVR 80%
- Accommodates borrowers with significant credit impairment. Paid or unpaid defaults may be considered; a single credit event listed within the last 12 months may be considered, and unlimited adverse l…
- Owner Occupied or Investment. Purchase, refinance, or debt consolidation. Cash out is limited to $100,000.
- Completed residential or rural residential property only. Maximum 25 acres. Apartments: minimum 50m² including balcony and car space, or 40m² living area with no balcony/car space. High-density apart…
- Full Documentation and Alternative Documentation pathways are available. PAYG applicants provide the last two payslips dated within 45 days or three months of bank statements showing salary credits.…
- Loan term 5 to 40 years. A 31–40 year term is only available for eligible purchase applications where all applicants are aged 40 or under and is not available for loans over $2.5m.
- Eligible borrower structures include individuals, eligible trusts and Australian-domiciled companies, subject to applicable ownership and director requirements.
- Up to six borrowers may be accepted per application.
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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.