MA Money Financial Services Pty LtdResidential Home Loan – Near Prime (≤$2m)
MA Money Near Prime 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)
- 7.54%
- Variable (investor P&I)
- 7.84%
- 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.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 8.24% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 99th lowest of 102 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 8.54% | 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, 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%7.54%
- 65–70%7.64%
- 70–75%7.99%
- 75–80%8.24%
- 80–85%9.24%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 8.04% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 8.19% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 8.14% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 8.39% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$2,000,000 | 8.49% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$2,000,000 | 8.64% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,000,000 | 8.74% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,000,000 | 8.89% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 80–85% LVR, $100,000–$1,250,000 | 9.74% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 80–85% LVR, $100,000–$1,250,000 | 9.89% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 7.84% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 7.99% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 7.94% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 8.19% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$2,000,000 | 8.29% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$2,000,000 | 8.44% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,000,000 | 8.54% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,000,000 | 8.69% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 80–85% LVR, $100,000–$1,250,000 | 9.54% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 80–85% LVR, $100,000–$1,250,000 | 9.69% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 7.74% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 7.89% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 7.84% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 8.09% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $100,000–$2,000,000 | 8.19% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $100,000–$2,000,000 | 8.34% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $100,000–$2,000,000 | 8.44% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $100,000–$2,000,000 | 8.59% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 80–85% LVR, $100,000–$1,250,000 | 9.44% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 80–85% LVR, $100,000–$1,250,000 | 9.59% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 7.54% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 7.69% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 7.64% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 7.89% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $100,000–$2,000,000 | 7.99% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $100,000–$2,000,000 | 8.14% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $100,000–$2,000,000 | 8.24% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $100,000–$2,000,000 | 8.39% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 80–85% LVR, $100,000–$1,250,000 | 9.24% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 80–85% LVR, $100,000–$1,250,000 | 9.39% | - | Available under Alternative Documentation. |
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 – Near Prime LVR >70% to 80%
Risk fee 0.50% of the loan amount applies at LVR greater than 70% and up to 80%. Excludes GST.
0.50% of balance - Risk Fee – Near Prime LVR >80% to 85%
Risk fee 1.50% of the loan amount applies at LVR greater than 80% and up to 85%. Excludes GST.
1.50% of balance - Risk Fee – Near Prime LVR ≤70%
No risk fee applies at LVR up to and including 70%.
0.00% 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 $2,000,000
- Maximum LVR 85%
- Accommodates borrowers with some credit history impairment. Defaults up to $3,000 accepted; larger defaults considered if listed over 12 months (paid) or 24 months (paid or unpaid). Limited mortgage…
- 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: PAYG applicants provide the last two payslips dated within 45 days or three months of bank statements showing salary credits; self-employed applicants provide one year Company/Tru…
- 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.