MA Money Financial Services Pty LtdVacant Land Loan – Near Prime Plus (≤$2m)
MA Money Near Prime Plus vacant-land mortgage for investment purposes, available under Full Documentation and Alternative Documentation pathways.
At a glance
- Variable (investor P&I)
- 9.64%
- 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 |
|---|---|---|---|---|
| Investor variable home loanInvestment, principal & interest, 80% LVR | 10.34% | 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, 16 in all.
Variable rate by LVR
Investment, 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%9.74%
- 70–75%10.09%
- 75–80%10.34%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 9.84% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 10.29% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 9.94% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 10.39% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$2,000,000 | 10.29% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$2,000,000 | 10.64% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,000,000 | 10.54% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,000,000 | 10.99% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 9.64% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 10.09% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 9.74% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 10.19% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$2,000,000 | 10.09% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$2,000,000 | 10.44% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,000,000 | 10.34% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,000,000 | 10.79% | - | Available under Alternative Documentation. |
Fees
8 fees published, grouped by when they're charged.
- When you take it outUp to $8993 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 out3
- Application Fee – Alt Doc
Alt Doc application fee. Excludes GST.
$899 - Application Fee – Full Doc
Full Doc application fee. Excludes GST.
$899 - Risk Fee
Risk fee 1.25% of the loan amount applies to all Vacant Land loans at LVR up to 80%. Excludes GST.
1.25% of balance
While you hold it2
- Annual Fee
No annual fee for Vacant Land loans. Excludes GST.
No fee - Offset Account Fee
$10 per offset account per month. One offset account available per loan split. 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
- Interest Only repayments are available for up to 5 years, then reverting to principal and interest.
- 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%
- Vacant residential or rural residential land only, maximum 25 acres. Investment-purpose lending only. Not available for construction, development purposes, completing construction, land with ongoing…
- Investment only. Residential Vacant Land loans are investor loans for CDR rate disclosure. Purchase, refinance, debt consolidation (excluding tax debt) and equity release/cash out may be available su…
- Accommodates borrowers with more significant credit impairment including mortgage arrears and discharged bankruptcy.
- Full Documentation (Full Doc): income verified through recent payslips and/or tax returns. Alternative Documentation (Alt Doc): income verified through accountant letter, business bank statements, or…
- 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.
- Category 3 postcodes are not eligible.
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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.