{
  "source": "https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/0e107437-2e60-42df-a967-645fbac4abaf",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/",
      "feesAndPricingUri": "https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/",
      "overviewUri": "https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/",
      "termsUri": "https://www.mamoney.com.au/terms-conditions/"
    },
    "brand": "MA Money",
    "brandName": "MA Money Financial Services Pty Ltd",
    "constraints": [
      {
        "additionalInfo": "Minimum $200,000.",
        "additionalValue": "200000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Maximum loan amount varies by postcode category.",
        "additionalValue": "5000000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Maximum LVR 80%, subject to loan amount, documentation type, postcode category, security type and credit assessment criteria.",
        "additionalValue": "0.8000",
        "constraintType": "MAX_LVR"
      }
    ],
    "description": "MA Money Prime Bridging loan. Sizes $200k–$5m. 6 or 12 month term. Interest capitalised monthly. Full Doc and Alt Doc.",
    "eligibility": [
      {
        "additionalInfo": "Australian citizens, Australian Permanent Residents, or New Zealand citizens residing in Australia. Individual, Company or Trust (Australia-based).",
        "additionalValue": "AUSTRALIAN_CITIZEN_PR_OR_NZ",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "Prime bridging credit quality required. Aggregate paid defaults up to $500 may be considered. No mortgage arrears, other arrears, or bankruptcy are permitted for Prime. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Loan term 6 or 12 months. Interest Only with interest capitalised monthly. No serviceability required for No End Debt scenarios. End Debt: serviceability assessed on end debt amount only.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Maximum loan $5m subject to postcode: Category 1 maximum LVR 80%; Category 2 maximum LVR 70%; Category 3 maximum loan $2m at 70% LVR. Postcode category may restrict availability.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "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 business activity statements. See MA Money's Rate and Product Guide at mamoney.com.au for full documentation requirements.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Interest is capitalised monthly and added to the loan balance. No repayments during the loan term.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "No End Debt: full repayment from property sale proceeds. No serviceability assessment required.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "End Debt: residual balance after sale proceeds is refinanced to a MA Money home loan. Serviceability assessed on the end debt amount only.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Up to 4 loan splits per loan. One offset account available per split.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Up to 6 borrowers accepted per application.",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "Full Doc bridging application fee. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "500.00"
        },
        "name": "Application Fee – Full Doc"
      },
      {
        "additionalInfo": "Alt Doc bridging application fee. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "599.00"
        },
        "name": "Application Fee – Alt Doc"
      },
      {
        "additionalInfo": "No annual fee for Bridging loans. Excludes GST.",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Annual Fee"
      },
      {
        "additionalInfo": "Charged at cost via Property Hub. AVM and Desktop valuations available subject to eligibility. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Valuation Fee",
        "variable": {
          "feeMinimum": "0.00"
        }
      },
      {
        "additionalInfo": "Legal fee from $400. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Legal Fee",
        "variable": {
          "feeMinimum": "400.00"
        }
      },
      {
        "additionalInfo": "Discharge fee from $550. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EXIT",
        "name": "Discharge Fee",
        "variable": {
          "feeMinimum": "550.00"
        }
      },
      {
        "additionalInfo": "Risk fee 1.25% of loan amount on all Bridging loans at LVR ≤80%. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Risk Fee",
        "rateBased": {
          "rate": "0.0125",
          "rateType": "BALANCE"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-13T02:54:05Z",
    "lendingRates": [
      {
        "additionalInfo": "Full & Alt Doc – LVR ≤65%. Interest capitalised monthly.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0824",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full & Alt Doc – LVR ≤65%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full & Alt Doc – LVR ≤65%. Interest capitalised monthly.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0824",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full & Alt Doc – LVR ≤65%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full & Alt Doc – LVR ≤70%. Interest capitalised monthly.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0834",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Full & Alt Doc – LVR ≤70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full & Alt Doc – LVR ≤70%. Interest capitalised monthly.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0834",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "Full & Alt Doc – LVR ≤70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full & Alt Doc – LVR ≤75%. Interest capitalised monthly.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0844",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full & Alt Doc – LVR ≤75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full & Alt Doc – LVR ≤75%. Interest capitalised monthly.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0844",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "Full & Alt Doc – LVR ≤75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full & Alt Doc – LVR ≤80%. Interest capitalised monthly.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "OWNER_OCCUPIED",
        "rate": "0.0854",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full & Alt Doc – LVR ≤80%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full & Alt Doc – LVR ≤80%. Interest capitalised monthly.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0854",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "Full & Alt Doc – LVR ≤80%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Bridging Residential Loan – Prime (≤$5m)",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "0e107437-2e60-42df-a967-645fbac4abaf"
  }
}