Residential Home Loan – Near Prime Plus (≤$2.5m)

MA Money Near Prime Plus residential mortgage for owner-occupied or investment purposes, available under Full Documentation and Alternative Documentation pathways.

Home loansLender updated 9 Oct 2026

Product page ↗Fees and pricing ↗Terms ↗

At a glance

Variable (owner occ. P&I): 8.64%
Variable (investor P&I): 8.94%
Max LVR: 85%
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.

Typical 6.36%

5.8%6%6.2%6.4%6.6%6.8%7%7.2%to 9.5%

This home loan: 9.34%Every other institution's lowest, 101 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

Rate	This home loan	Best anywhere	Typical institution	Where it sits
Variable home loanOwner occupier, principal & interest, 80% LVR	9.34%	5.69%AAA Financial Corporation's Portfolio Loan	6.36%of 102 institutions	101st lowest of 102
Investor variable home loanInvestment, principal & interest, 80% LVR	9.64%	5.69%AAA Financial Corporation's Portfolio Loan	6.58%of 102 institutions	101st lowest of 102

Rates

Every rate MA Money Financial Services Pty Ltd publishes for this home loan, 40 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%8.64%
65–70%8.74%
70–75%9.09%
75–80%9.34%
80–85%9.74%

Variable rate for the band

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	Investment, Interest only	-	≤65% LVR, $100,000–$2,500,000	9.14%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	≤65% LVR, $100,000–$2,500,000	9.39%	-	Available under Alternative Documentation.
Variable	Investment, Interest only	-	65–70% LVR, $100,000–$2,250,000	9.24%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	65–70% LVR, $100,000–$2,250,000	9.69%	-	Available under Alternative Documentation.
Variable	Investment, Interest only	-	70–75% LVR, $100,000–$2,000,000	9.59%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	70–75% LVR, $100,000–$2,000,000	9.94%	-	Available under Alternative Documentation.
Variable	Investment, Interest only	-	75–80% LVR, $100,000–$1,750,000	9.84%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	75–80% LVR, $100,000–$1,750,000	10.09%	-	Available under Alternative Documentation.
Variable	Investment, Interest only	-	80–85% LVR, $100,000–$1,000,000	10.24%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	80–85% LVR, $100,000–$1,000,000	10.59%	-	Available under Alternative Documentation.
Variable	Investment, P&I	-	≤65% LVR, $100,000–$2,500,000	8.94%	-	Available under Full Documentation.
Variable	Investment, P&I	-	≤65% LVR, $100,000–$2,500,000	9.19%	-	Available under Alternative Documentation.
Variable	Investment, P&I	-	65–70% LVR, $100,000–$2,250,000	9.04%	-	Available under Full Documentation.
Variable	Investment, P&I	-	65–70% LVR, $100,000–$2,250,000	9.49%	-	Available under Alternative Documentation.
Variable	Investment, P&I	-	70–75% LVR, $100,000–$2,000,000	9.39%	-	Available under Full Documentation.
Variable	Investment, P&I	-	70–75% LVR, $100,000–$2,000,000	9.74%	-	Available under Alternative Documentation.
Variable	Investment, P&I	-	75–80% LVR, $100,000–$1,750,000	9.64%	-	Available under Full Documentation.
Variable	Investment, P&I	-	75–80% LVR, $100,000–$1,750,000	9.89%	-	Available under Alternative Documentation.
Variable	Investment, P&I	-	80–85% LVR, $100,000–$1,000,000	10.04%	-	Available under Full Documentation.
Variable	Investment, P&I	-	80–85% LVR, $100,000–$1,000,000	10.39%	-	Available under Alternative Documentation.
Variable	Owner occupied, Interest only	-	≤65% LVR, $100,000–$2,500,000	8.84%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	≤65% LVR, $100,000–$2,500,000	9.09%	-	Available under Alternative Documentation.
Variable	Owner occupied, Interest only	-	65–70% LVR, $100,000–$2,250,000	8.94%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	65–70% LVR, $100,000–$2,250,000	9.39%	-	Available under Alternative Documentation.
Variable	Owner occupied, Interest only	-	70–75% LVR, $100,000–$2,000,000	9.29%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	70–75% LVR, $100,000–$2,000,000	9.64%	-	Available under Alternative Documentation.
Variable	Owner occupied, Interest only	-	75–80% LVR, $100,000–$1,750,000	9.54%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	75–80% LVR, $100,000–$1,750,000	9.79%	-	Available under Alternative Documentation.
Variable	Owner occupied, Interest only	-	80–85% LVR, $100,000–$1,000,000	9.94%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	80–85% LVR, $100,000–$1,000,000	10.29%	-	Available under Alternative Documentation.
Variable	Owner occupied, P&I	-	≤65% LVR, $100,000–$2,500,000	8.64%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	≤65% LVR, $100,000–$2,500,000	8.89%	-	Available under Alternative Documentation.
Variable	Owner occupied, P&I	-	65–70% LVR, $100,000–$2,250,000	8.74%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	65–70% LVR, $100,000–$2,250,000	9.19%	-	Available under Alternative Documentation.
Variable	Owner occupied, P&I	-	70–75% LVR, $100,000–$2,000,000	9.09%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	70–75% LVR, $100,000–$2,000,000	9.44%	-	Available under Alternative Documentation.
Variable	Owner occupied, P&I	-	75–80% LVR, $100,000–$1,750,000	9.34%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	75–80% LVR, $100,000–$1,750,000	9.59%	-	Available under Alternative Documentation.
Variable	Owner occupied, P&I	-	80–85% LVR, $100,000–$1,000,000	9.74%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	80–85% LVR, $100,000–$1,000,000	10.09%	-	Available under Alternative Documentation.

Fees

11 fees published, grouped by when they're charged.

When you take it outUp to $8996 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 out6

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 – Near Prime Plus Alt Doc LVR ≤65%
Alt Doc risk fee 1.00% of the loan amount applies at LVR ≤65%. Excludes GST.
1.00% of balance
Risk Fee – Near Prime Plus Full & Alt Doc LVR >65% to 80%
Risk fee 1.00% of the loan amount applies for Full Doc and Alt Doc at LVR greater than 65% and up to 80%. Excludes GST.
1.00% of balance
Risk Fee – Near Prime Plus Full & Alt Doc LVR >80% to 85%
Risk fee 2.00% of the loan amount applies for Full Doc and Alt Doc at LVR greater than 80% and up to 85%. Excludes GST.
2.00% of balance
Risk Fee – Near Prime Plus Full Doc LVR ≤65%
Risk fee 0.50% of the loan amount applies for Full Documentation at LVR up to and including 65%. Excludes GST.
0.50% 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.
Risk Fee Reducer is available only where a Residential risk fee up to 1.00% applies, for loans up to 80% LVR, and excludes loans over $2.5m. 0.50% risk fee -> +0.25% ongoing rate loading; 1.00% risk…

Eligibility and limits

Residency: Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents
Amount $100,000 to $2,500,000
Maximum LVR 85%
Accommodates borrowers with more significant credit impairment. Mortgage arrears up to 2 months and other arrears up to 6 months may be accepted. Discharged bankruptcy accepted.
Owner Occupied or Investment. Purchase, refinance, cash out, or debt consolidation. Cash out from private lenders is capped at $200,000.
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.