MA Money Financial Services Pty LtdBridging Residential Loan – Near Prime (≤$5m)
MA Money Near Prime bridging residential mortgage with six- or twelve-month terms, available under Full Documentation and Alternative Documentation pathways.
At a glance
- Max LVR
- 80%
- Annual fee
- $0
- Features
- offset
Rates
Every rate MA Money Financial Services Pty Ltd publishes for this home loan, 8 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest is capitalised monthly. | Investment, Interest only | - | ≤65% LVR, $200,000–$5,000,000 | 9.04% | - | Available under Full Documentation or Alternative Documentation. |
| VariableInterest is capitalised monthly. | Investment, Interest only | - | 65–70% LVR, $200,000–$5,000,000 | 9.14% | - | Available under Full Documentation or Alternative Documentation. |
| VariableInterest is capitalised monthly. | Investment, Interest only | - | 70–75% LVR, $200,000–$5,000,000 | 9.29% | - | Available under Full Documentation or Alternative Documentation. |
| VariableInterest is capitalised monthly. | Investment, Interest only | - | 75–80% LVR, $200,000–$5,000,000 | 9.44% | - | Available under Full Documentation or Alternative Documentation. |
| VariableInterest is capitalised monthly. | Owner occupied, Interest only | - | ≤65% LVR, $200,000–$5,000,000 | 9.04% | - | Available under Full Documentation or Alternative Documentation. |
| VariableInterest is capitalised monthly. | Owner occupied, Interest only | - | 65–70% LVR, $200,000–$5,000,000 | 9.14% | - | Available under Full Documentation or Alternative Documentation. |
| VariableInterest is capitalised monthly. | Owner occupied, Interest only | - | 70–75% LVR, $200,000–$5,000,000 | 9.29% | - | Available under Full Documentation or Alternative Documentation. |
| VariableInterest is capitalised monthly. | Owner occupied, Interest only | - | 75–80% LVR, $200,000–$5,000,000 | 9.44% | - | Available under Full Documentation or Alternative Documentation. |
Rate changes
8 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable, Investment, Interest only, ≤65% LVR, $200,000–$5,000,000 | 8.74% | 9.04% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $200,000–$5,000,000 | 8.84% | 9.14% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR, $200,000–$5,000,000 | 8.94% | 9.29% | up 0.35 |
| 10 Oct 2026 | Variable, Investment, Interest only, 75–80% LVR, $200,000–$5,000,000 | 9.04% | 9.44% | up 0.40 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, ≤65% LVR, $200,000–$5,000,000 | 8.74% | 9.04% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR, $200,000–$5,000,000 | 8.84% | 9.14% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 70–75% LVR, $200,000–$5,000,000 | 8.94% | 9.29% | up 0.35 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 75–80% LVR, $200,000–$5,000,000 | 9.04% | 9.44% | 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
8 fees published, grouped by when they're charged.
- When you take it outUp to $8993 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 – Alt Doc
Alt Doc bridging application fee. Excludes GST.
$899 - Application Fee – Full Doc
Full Doc bridging application fee. Excludes GST.
$899 - Risk Fee
Risk fee 1.25% of loan amount on all Bridging loans at LVR ≤80%. Excludes GST.
1.25% of balance
While you hold it2
- Annual Fee
No annual fee for Bridging loans. Excludes GST.
No fee - Offset Account Fee
$10 per offset account per month. One offset account is available per loan split. 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
- Interest is capitalised monthly and added to the loan balance. No repayments during the loan term.
- No End Debt: full repayment from property sale proceeds. No serviceability assessment required.
- End Debt: residual balance after sale proceeds is refinanced to a MA Money home loan. Serviceability assessed on the end debt amount only.
Eligibility and limits
- Residency: Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents
- Amount $200,000 to $5,000,000
- Maximum LVR 80%
- Accommodates borrowers with some credit impairment. Near Prime classification applies when refinancing from a private lender with capitalised interest. Discharged bankruptcy accepted.
- Loan term 6 or 12 months. Interest capitalised monthly.
- Full Documentation (Full Doc): income verified through recent payslips and/or tax returns. Alternative Documentation (Alt Doc): income verified through accountant letter, business bank statements, or…
- Eligible borrower structures include Australia-based individuals, companies and trusts.
- Up to six borrowers may be accepted per application.
- Vacant land security is not available in Category 3.
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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.