MA Money Financial Services Pty LtdSMSF Residential Home Loan – Prime
MA Money SMSF residential mortgage for eligible Self Managed Superannuation Funds purchasing or refinancing residential investment property.
At a glance
- Variable (investor P&I)
- 7.34%
- Max LVR
- 80%
- Annual fee
- $399
Rates
Every rate MA Money Financial Services Pty Ltd publishes for this home loan, 8 in all.
Variable rate by LVR
Investment, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤65%7.34%
- 65–70%7.34%
- 70–75%7.54%
- 75–80%7.54%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$5,000,000 | 7.54% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$5,000,000 | 7.54% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$5,000,000 | 7.74% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,500,000 | 7.74% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$5,000,000 | 7.34% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$5,000,000 | 7.34% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$5,000,000 | 7.54% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,500,000 | 7.54% | - | Available under Full Documentation. |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable, Investment, Interest only, ≤65% LVR, $100,000–$5,000,000 | 7.29% | 7.54% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $100,000–$5,000,000 | 7.39% | 7.54% | up 0.15 |
| 10 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR, $100,000–$5,000,000 | 7.49% | 7.74% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, Interest only, 75–80% LVR, $100,000–$2,500,000 | 7.59% | 7.74% | up 0.15 |
| 10 Oct 2026 | Variable, Investment, P&I, ≤65% LVR, $100,000–$5,000,000 | 7.09% | 7.34% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 65–70% LVR, $100,000–$5,000,000 | 7.19% | 7.34% | up 0.15 |
| 10 Oct 2026 | Variable, Investment, P&I, 70–75% LVR, $100,000–$5,000,000 | 7.29% | 7.54% | up 0.25 |
| 10 Oct 2026 | Variable, Investment, P&I, 75–80% LVR, $100,000–$2,500,000 | 7.39% | 7.54% | up 0.15 |
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 outVaries2 fees, each listed below
- While you hold it$399 a yearAnnual Fee
- When you close it or pay it offFrom $550Discharge Fee
When you take it out2
- Application Fee
No application fee. Excludes GST.
No fee - Risk Fee – SMSF Residential $3m to $5m
Risk fee 1.25% of the loan amount applies to SMSF Residential loans from $3m up to $5m at available LVRs up to 75%. No risk fee applies to loan amounts below $3m. Excludes GST.
1.25% of balance
While you hold it1
- Annual Fee
Annual fee of $399. Charged annually on the loan anniversary date. Excludes GST.
$399 a year
When particular things happen2
- Legal Fee
Legal fee from $1,250. Excludes GST.
From $1,250 - Valuation Fee
Valuation fees are charged at cost and paid prior to valuation being ordered via Property Hub. AVM and Desktop valuations available for SMSF Residential 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
- Interest Only repayments available for up to 5 years.
Eligibility and limits
- Amount $100,000 to $5,000,000
- Maximum LVR 80%
- Borrower must be an SMSF Trustee (corporate or individual trustees accepted). Property must be held on a Property Trust by a Property Trustee. The security trustee must provide a guarantee limited to…
- Maximum 6 SMSF members — PAYG or Self-Employed. Personal guarantee from all members limited to the loan amount is required.
- Independent legal advice is mandatory for all SMSF Trustee borrowers and guarantors. Proof of legal advice is required prior to settlement. For refinances, prior legal advice may be accepted.
- Available for refinance of an existing SMSF residential loan. Purchase of an investment property is only eligible where the contract was entered into before 10 August 2026. Equity release and cash ou…
- Prime credit quality required for SMSF members. Aggregate paid defaults up to $500 may be considered.
- Serviceability assessed entirely within the SMSF — no external servicing. Debt Service Coverage Ratio (DSCR) must exceed 1.0x. No liquidity or net asset testing. 90% of rental income assessed. 100% o…
- Residential property zoned residential, situated in Australia, secured by first registered mortgage. The security must be in an eligible postcode category where residential dwelling is the highest an…
- Loan term 5 to 30 years.
- Full Documentation required. PAYG members: two most recent payslips (dated within 45 days of application). Self-Employed members: one year personal tax return (no older than 21 months) and correspond…
- Offset accounts and redraw are not available for this product.
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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.