MA Money Financial Services Pty LtdResidential Home Loan – Prime Large (>$2.5m to $5m)
MA Money Prime residential mortgage for loan amounts above $2.5m to $5m, available for owner-occupied or investment purposes under Full Documentation and Alternative Documentation pathways.
Home loansLender updated 9 Oct 2026
At a glance
- Variable (owner occ. P&I)
- 7.09%
- Variable (investor P&I)
- 7.09%
- 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 | 8.34% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.36%of 102 institutions | 100th lowest of 102 |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 8.34% | 5.69%AAA Financial Corporation's Portfolio Loan | 6.58%of 102 institutions | 99th lowest of 102, level with one other |
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%7.09%
- 65–70%7.29%
- 70–75%8.19%
- 75–80%8.34%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $2,500,001–$5,000,000 | 7.29% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $2,500,001–$5,000,000 | 7.49% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $2,500,001–$5,000,000 | 7.49% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $2,500,001–$5,000,000 | 7.79% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $2,500,001–$5,000,000 | 8.39% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $2,500,001–$5,000,000 | 8.74% | - | Available under Alternative Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $2,500,001–$5,000,000 | 8.54% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $2,500,001–$5,000,000 | 8.89% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $2,500,001–$5,000,000 | 7.09% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $2,500,001–$5,000,000 | 7.29% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $2,500,001–$5,000,000 | 7.29% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $2,500,001–$5,000,000 | 7.59% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $2,500,001–$5,000,000 | 8.19% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $2,500,001–$5,000,000 | 8.54% | - | Available under Alternative Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $2,500,001–$5,000,000 | 8.34% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $2,500,001–$5,000,000 | 8.69% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $2,500,001–$5,000,000 | 7.29% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $2,500,001–$5,000,000 | 7.49% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $2,500,001–$5,000,000 | 7.49% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $2,500,001–$5,000,000 | 7.79% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $2,500,001–$5,000,000 | 8.39% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $2,500,001–$5,000,000 | 8.74% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $2,500,001–$5,000,000 | 8.54% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $2,500,001–$5,000,000 | 8.89% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $2,500,001–$5,000,000 | 7.09% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $2,500,001–$5,000,000 | 7.29% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $2,500,001–$5,000,000 | 7.29% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $2,500,001–$5,000,000 | 7.59% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $2,500,001–$5,000,000 | 8.19% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $2,500,001–$5,000,000 | 8.54% | - | Available under Alternative Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $2,500,001–$5,000,000 | 8.34% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $2,500,001–$5,000,000 | 8.69% | - | Available under Alternative Documentation. |
Fees
8 fees published, grouped by when they're charged.
- When you take it outUp to $5993 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
One-off upfront fee for Alt Doc applications. Excludes GST.
$599 - Application Fee – Full Doc
One-off upfront fee for Full Doc applications. Excludes GST.
$500 - Risk Fee – Prime Large >$3m to $5m
Risk fee 1.00% of the loan amount applies to Prime Large residential loans above $3m to $5m at available LVRs up to 80%. Loans above $2.5m to $3m have no risk fee. Excludes GST.
1.00% 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 generally available for up to 5 years. Residential Prime investment loans at LVR ≤80% may be considered for up to 10 years on a price-on-application basis. Interest-only…
- Up to 4 loan splits per loan. One offset account available per split.
Eligibility and limits
- Residency: Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents
- Amount $2,500,001 to $5,000,000
- Maximum LVR 80%
- Prime credit quality required. Aggregate paid defaults up to $500 may be considered. No mortgage arrears, other arrears, or bankruptcy are permitted for Prime.
- Owner Occupied or Investment. Purchase, refinance, cash out, or debt consolidation. ATO debt and private loan debt cannot be consolidated for Prime loans. Cash out from private lenders is capped at $…
- Loan term 5 to 30 years for loans above $2.5m. The 31–40 year extended term is not available for loans over $2.5m.
- 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…
- Prime credit tier only. Same credit and income eligibility as Residential Home Loan – Prime.
- 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…
- 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.
- 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.