Expat Home Loan – Near Prime (≤$5m)

MA Money Near Prime Expat residential mortgage for eligible borrowers with overseas income, available under Full Documentation.

Home loansLender updated 9 Oct 2026

Product page ↗Fees and pricing ↗Terms ↗

At a glance

Variable (owner occ. P&I): 8.04%
Variable (investor P&I): 8.34%
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.

Typical 6.36%

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

This home loan: 8.44%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	8.44%	5.69%AAA Financial Corporation's Portfolio Loan	6.36%of 102 institutions	100th lowest of 102
Investor variable home loanInvestment, principal & interest, 80% LVR	8.74%	5.69%AAA Financial Corporation's Portfolio Loan	6.58%of 102 institutions	100th lowest of 102

Rates

Every rate MA Money Financial Services Pty Ltd publishes for this home loan, 64 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%8.04%
65–70%8.14%
70–75%8.29%
75–80%8.44%

Variable rate for the band

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	Investment, Interest only	-	≤65% LVR, $100,000–$2,500,000	8.54%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	≤65% LVR, $100,000–$2,500,000	9.54%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, Interest only	-	≤65% LVR, $2,500,001–$5,000,000	9.14%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	≤65% LVR, $2,500,001–$5,000,000	10.14%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, Interest only	-	65–70% LVR, $100,000–$2,500,000	8.64%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	65–70% LVR, $100,000–$2,500,000	9.64%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, Interest only	-	65–70% LVR, $2,500,001–$5,000,000	9.44%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	65–70% LVR, $2,500,001–$5,000,000	10.44%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, Interest only	-	70–75% LVR, $100,000–$2,500,000	8.79%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	70–75% LVR, $100,000–$2,500,000	9.79%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, Interest only	-	70–75% LVR, $2,500,001–$5,000,000	9.59%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	70–75% LVR, $2,500,001–$5,000,000	10.59%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, Interest only	-	75–80% LVR, $100,000–$2,500,000	8.94%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	75–80% LVR, $100,000–$2,500,000	9.94%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, Interest only	-	75–80% LVR, $2,500,001–$5,000,000	9.84%	-	Available under Full Documentation.
Variable	Investment, Interest only	-	75–80% LVR, $2,500,001–$5,000,000	10.84%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, P&I	-	≤65% LVR, $100,000–$2,500,000	8.34%	-	Available under Full Documentation.
Variable	Investment, P&I	-	≤65% LVR, $100,000–$2,500,000	9.34%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, P&I	-	≤65% LVR, $2,500,001–$5,000,000	8.94%	-	Available under Full Documentation.
Variable	Investment, P&I	-	≤65% LVR, $2,500,001–$5,000,000	9.94%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, P&I	-	65–70% LVR, $100,000–$2,500,000	8.44%	-	Available under Full Documentation.
Variable	Investment, P&I	-	65–70% LVR, $100,000–$2,500,000	9.44%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, P&I	-	65–70% LVR, $2,500,001–$5,000,000	9.24%	-	Available under Full Documentation.
Variable	Investment, P&I	-	65–70% LVR, $2,500,001–$5,000,000	10.24%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, P&I	-	70–75% LVR, $100,000–$2,500,000	8.59%	-	Available under Full Documentation.
Variable	Investment, P&I	-	70–75% LVR, $100,000–$2,500,000	9.59%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, P&I	-	70–75% LVR, $2,500,001–$5,000,000	9.39%	-	Available under Full Documentation.
Variable	Investment, P&I	-	70–75% LVR, $2,500,001–$5,000,000	10.39%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, P&I	-	75–80% LVR, $100,000–$2,500,000	8.74%	-	Available under Full Documentation.
Variable	Investment, P&I	-	75–80% LVR, $100,000–$2,500,000	9.74%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Investment, P&I	-	75–80% LVR, $2,500,001–$5,000,000	9.64%	-	Available under Full Documentation.
Variable	Investment, P&I	-	75–80% LVR, $2,500,001–$5,000,000	10.64%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, Interest only	-	≤65% LVR, $100,000–$2,500,000	8.24%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	≤65% LVR, $100,000–$2,500,000	9.24%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, Interest only	-	≤65% LVR, $2,500,001–$5,000,000	9.14%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	≤65% LVR, $2,500,001–$5,000,000	10.14%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, Interest only	-	65–70% LVR, $100,000–$2,500,000	8.34%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	65–70% LVR, $100,000–$2,500,000	9.34%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, Interest only	-	65–70% LVR, $2,500,001–$5,000,000	9.44%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	65–70% LVR, $2,500,001–$5,000,000	10.44%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, Interest only	-	70–75% LVR, $100,000–$2,500,000	8.49%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	70–75% LVR, $100,000–$2,500,000	9.49%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, Interest only	-	70–75% LVR, $2,500,001–$5,000,000	9.59%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	70–75% LVR, $2,500,001–$5,000,000	10.59%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, Interest only	-	75–80% LVR, $100,000–$2,500,000	8.64%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	75–80% LVR, $100,000–$2,500,000	9.64%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, Interest only	-	75–80% LVR, $2,500,001–$5,000,000	9.84%	-	Available under Full Documentation.
Variable	Owner occupied, Interest only	-	75–80% LVR, $2,500,001–$5,000,000	10.84%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, P&I	-	≤65% LVR, $100,000–$2,500,000	8.04%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	≤65% LVR, $100,000–$2,500,000	9.04%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, P&I	-	≤65% LVR, $2,500,001–$5,000,000	8.94%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	≤65% LVR, $2,500,001–$5,000,000	9.94%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, P&I	-	65–70% LVR, $100,000–$2,500,000	8.14%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	65–70% LVR, $100,000–$2,500,000	9.14%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, P&I	-	65–70% LVR, $2,500,001–$5,000,000	9.24%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	65–70% LVR, $2,500,001–$5,000,000	10.24%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, P&I	-	70–75% LVR, $100,000–$2,500,000	8.29%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	70–75% LVR, $100,000–$2,500,000	9.29%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, P&I	-	70–75% LVR, $2,500,001–$5,000,000	9.39%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	70–75% LVR, $2,500,001–$5,000,000	10.39%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, P&I	-	75–80% LVR, $100,000–$2,500,000	8.44%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	75–80% LVR, $100,000–$2,500,000	9.44%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.
Variable	Owner occupied, P&I	-	75–80% LVR, $2,500,001–$5,000,000	9.64%	-	Available under Full Documentation.
Variable	Owner occupied, P&I	-	75–80% LVR, $2,500,001–$5,000,000	10.64%	-	Applies where the security is eligible vacant land.; Available under Full Documentation.

Fees

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

When you take it outUp to $8992 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 out2

Application Fee
Full Doc application fee. Expat loans are Full Doc only. Excludes GST.
$899
Risk Fee
Residential security: risk fee 1.25% of the loan amount. Vacant-land security up to 80% LVR: risk fee 1.25% of the loan amount. Excludes GST.
1.25% of balance

While you hold it2

Annual Fee
No annual fee. Excludes GST.
No fee
Offset Account Fee
$10 per offset account per month. Up to four offset accounts are available 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

Up to 4 loan splits per loan. One offset account available per split.

Eligibility and limits

Residency: Australian or New Zealand citizens and Australian permanent residents meeting the overseas income criteria
Amount $100,000 to $5,000,000
Maximum LVR 80%
Eligible countries: Canada, China, Finland, France, Germany, Hong Kong, Italy, Japan, New Zealand, Norway, Qatar (PAYG income only), Saudi Arabia (PAYG income only), Singapore, Spain, Sweden, United…
Accommodates borrowers with some credit history impairment. Limited defaults and arrears may be accepted.
Loan term 5–30 years. Maximum IO term 5 years.
Residential securities in Australia, subject to policy restrictions. Vacant land security may be accepted subject to the applicable rate, risk-fee and LVR conditions. Completed residential or rural r…
Full Documentation required. Income verified through recent payslips and/or tax returns.
Eligible borrower structures include individuals, companies and trusts.
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.