MA Money Financial Services Pty LtdExpat Home Loan – Prime MA Money More (>$2.5m to $5m)
MA Money More Expat residential mortgage for eligible borrowers with overseas income and loan amounts above $2.5m to $5m, available under Full Documentation.
Home loansLender updated 9 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 8.04%
- Variable (investor P&I)
- 8.04%
- 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 | 8.94% | 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 | 8.94% | 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, 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%8.04%
- 65–70%8.54%
- 70–75%8.69%
- 75–80%8.94%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $2,500,001–$5,000,000 | 8.24% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $2,500,001–$5,000,000 | 9.24% | - | 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 | 8.74% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $2,500,001–$5,000,000 | 9.74% | - | 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 | 8.89% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $2,500,001–$5,000,000 | 9.89% | - | 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 | 9.14% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $2,500,001–$5,000,000 | 10.14% | - | Applies where the security is eligible vacant land.; Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $2,500,001–$5,000,000 | 8.04% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $2,500,001–$5,000,000 | 9.04% | - | 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 | 8.54% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $2,500,001–$5,000,000 | 9.54% | - | 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 | 8.69% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $2,500,001–$5,000,000 | 9.69% | - | 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 | 8.94% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $2,500,001–$5,000,000 | 9.94% | - | 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 | 8.24% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $2,500,001–$5,000,000 | 9.24% | - | 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 | 8.74% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $2,500,001–$5,000,000 | 9.74% | - | 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 | 8.89% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $2,500,001–$5,000,000 | 9.89% | - | 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 | 9.14% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $2,500,001–$5,000,000 | 10.14% | - | 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 | 8.04% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $2,500,001–$5,000,000 | 9.04% | - | 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 | 8.54% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $2,500,001–$5,000,000 | 9.54% | - | 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 | 8.69% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $2,500,001–$5,000,000 | 9.69% | - | 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 | 8.94% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $2,500,001–$5,000,000 | 9.94% | - | Applies where the security is eligible vacant land.; Available under Full Documentation. |
Fees
8 fees published, grouped by when they're charged.
- When you take it outUp to $5003 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
Full Doc application fee. Expat loans are Full Doc only. Excludes GST.
$500 - Risk Fee – Expat Prime MA Money More Residential Security
Risk fee 0.50% of the loan amount applies for Expat Prime MA Money More loans secured by completed residential property. Excludes GST.
0.50% of balance - Risk Fee – Expat Prime More Vacant Land Security
Risk fee 1.25% of the loan amount applies for Expat Prime MA Money More loans secured by vacant land, available up to 80% LVR. 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 $2,500,001 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…
- Expat Prime credit quality required. Aggregate paid defaults up to $500 may be considered. No mortgage arrears, other arrears, or bankruptcy are permitted for Expat Prime.
- 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.
- Available in Category 1 postcodes only.
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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.