MA Money Financial Services Pty LtdNon-Resident Home Loan – Prime (≤$2m)
MA Money Non-Resident residential investment mortgage for eligible non-resident borrowers, available under Full Documentation.
Home loansLender updated 9 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 7.64%
- Variable (investor P&I)
- 7.94%
- Max LVR
- 80%
- Annual fee
- $499
- Features
- 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 | 8.14% | 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 | 8.44% | 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, 16 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%7.64%
- 65–70%7.74%
- 70–75%7.99%
- 75–80%8.14%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$2,000,000 | 8.14% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$2,000,000 | 8.24% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$2,000,000 | 8.49% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,000,000 | 8.64% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$2,000,000 | 7.94% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$2,000,000 | 8.04% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$2,000,000 | 8.29% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,000,000 | 8.44% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% 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 | 7.94% | - | Available under Full 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 | - | 75–80% LVR, $100,000–$2,000,000 | 8.34% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% 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 | 7.74% | - | Available under Full 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 | - | 75–80% LVR, $100,000–$2,000,000 | 8.14% | - | Available under Full Documentation. |
Rate changes
16 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable, Investment, Interest only, ≤65% LVR, $100,000–$2,000,000 | 7.84% | 8.14% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $100,000–$2,000,000 | 7.94% | 8.24% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR, $100,000–$2,000,000 | 8.14% | 8.49% | up 0.35 |
| 10 Oct 2026 | Variable, Investment, Interest only, 75–80% LVR, $100,000–$2,000,000 | 8.24% | 8.64% | up 0.40 |
| 10 Oct 2026 | Variable, Investment, P&I, ≤65% LVR, $100,000–$2,000,000 | 7.64% | 7.94% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, 65–70% LVR, $100,000–$2,000,000 | 7.74% | 8.04% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, 70–75% LVR, $100,000–$2,000,000 | 7.94% | 8.29% | up 0.35 |
| 10 Oct 2026 | Variable, Investment, P&I, 75–80% LVR, $100,000–$2,000,000 | 8.04% | 8.44% | up 0.40 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, ≤65% LVR, $100,000–$2,000,000 | 7.54% | 7.84% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR, $100,000–$2,000,000 | 7.64% | 7.94% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 70–75% LVR, $100,000–$2,000,000 | 7.84% | 8.19% | up 0.35 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 75–80% LVR, $100,000–$2,000,000 | 7.94% | 8.34% | up 0.40 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, ≤65% LVR, $100,000–$2,000,000 | 7.34% | 7.64% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR, $100,000–$2,000,000 | 7.44% | 7.74% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 70–75% LVR, $100,000–$2,000,000 | 7.64% | 7.99% | up 0.35 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 75–80% LVR, $100,000–$2,000,000 | 7.74% | 8.14% | up 0.40 |
Each change is logged the night it appears in the rates MA Money publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
- When you take it outUp to $4992 fees, each listed below
- While you hold it$499 a yearAnnual Fee
- When you close it or pay it offFrom $550Discharge Fee
When you take it out2
- Application Fee
Non-Resident Prime Full Doc application fee. Excludes GST.
$499 - Risk Fee
Risk fee 1.00% of loan amount on all Non-Resident loans at LVR ≤80%. Excludes GST.
1.00% of balance
While you hold it1
- Annual Fee
Annual fee $499. All other MA Money loan products have a $0 annual fee. Excludes GST.
$499 a year
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
Extra repaymentsDigital banking
- Up to 4 loan splits per loan.
Eligibility and limits
- Residency: Applicants who are not Australian citizens or Australian permanent residents
- Amount $100,000 to $2,000,000
- Maximum LVR 80%
- Eligible countries: Australia, Canada, China, France, Germany, Hong Kong, India, Japan, Malaysia, New Zealand, Philippines, Qatar (PAYG income only), Saudi Arabia (PAYG income only), Singapore, South…
- FIRB approval mandatory. Solicitor's certificate required. Personal credit report from country of residence required at submission.
- Aggregate paid defaults up to $500 may be considered.
- Loan term 5–30 years. Maximum IO term 5 years.
- Residential securities in Australia, subject to policy restrictions. High-density apartments are subject to a separate LVR constraint. Completed residential or rural residential property: maximum 25…
- Full Documentation required. PAYG applicants provide the last two payslips dated within 45 days or three months of bank statements showing salary credits. Self-employed applicants provide at least tw…
- Eligible borrower structures include individuals, companies and trusts. The loan purpose must be investment.
- Offset accounts and redraw are not available for this product.
- Category 3 and uncategorised postcodes are not eligible.
Compare it with others
Put this product through a calculator
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.