{
  "source": "https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/91bdf4c5-fb95-460f-8480-b23b3f06e50e",
  "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/smsf-guide/",
      "feesAndPricingUri": "https://www.mamoney.com.au/brokers/resources/rate-product-information/smsf-guide/",
      "overviewUri": "https://www.mamoney.com.au/brokers/resources/rate-product-information/smsf-guide/",
      "termsUri": "https://www.mamoney.com.au/terms-conditions/"
    },
    "brand": "MA Money",
    "brandName": "MA Money Financial Services Pty Ltd",
    "constraints": [
      {
        "additionalInfo": "Minimum loan amount $100,000.",
        "additionalValue": "100000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Maximum loan amount $2m at up to 80% LVR. Postcode category and property type restrictions may further limit availability.",
        "additionalValue": "2000000.00",
        "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 SMSF Residential Home Loan for Self Managed Superannuation Funds. Prime credit quality. Loans up to $2m at maximum 80% LVR. Available for investment property purchase or refinance of an existing SMSF loan. Corporate or individual SMSF trustees accepted. Maximum 6 members. No offset or redraw facilities. Interest Only available up to 5 years. No liquidity or net asset testing. Minimum loan $100,000.",
    "eligibility": [
      {
        "additionalInfo": "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 the security property.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Maximum 6 SMSF members — PAYG or Self-Employed. Personal guarantee from all members limited to the loan amount is required.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "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.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Available for purchase of investment property or refinance of an existing SMSF loan. Equity release and cash out are not available.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Prime credit quality required for SMSF members. Satisfactory credit history for all members. See MA Money's SMSF Rate and Product Guide at mamoney.com.au for full eligibility criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "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% of concessional and non-concessional contributions considered. 100% of deemed income from other investments (4% deemed return less tax). See MA Money's SMSF Rate and Product Guide at mamoney.com.au for full details.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Residential property zoned residential, situated in Australia, secured by first registered mortgage. Category 1, 2 and 3 locations accepted where residential dwelling is the highest and best use and a residential valuation is held. High density apartments (more than 40 in a complex) restricted to 80% LVR. Vacant land, rural property, student accommodation, NRAS and NDIS/SDA properties are not acceptable.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Loan term 5 to 30 years. Maximum Interest Only term 5 years.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Product maximum is $2m. Category 1 (Metro): maximum loan $2m; maximum LVR 80%. Category 1 (Non-Metro): maximum loan $2m; maximum LVR 80%. Category 2: maximum loan $1.5m; maximum LVR 75%. Category 3: maximum loan $400k; maximum LVR 70%. Postcode category may further restrict availability within this product's cap.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "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 corresponding Notice of Assessment. SMSF income evidence: latest SMSF annual return (no older than 21 months) or most recent 12 months SMSF Cash Management Account statements. Executed SMSF Trust Deed and Security Trust Deed required. See MA Money's SMSF Rate and Product Guide at mamoney.com.au for full documentation requirements.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Designed for Self Managed Superannuation Funds using a bare trust (Property Trust) structure. Accepts both corporate and individual SMSF trustees. No liquidity or net asset testing required.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Interest Only repayments available for up to 5 years.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Offset accounts and redraw facilities are not available for SMSF loans. This is consistent with Superannuation Industry (Supervision) Act 1993 (Cth) requirements for limited recourse borrowing arrangements.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Equity release and cash out are not available for SMSF loans.",
        "featureType": "OTHER"
      }
    ],
    "fees": [
      {
        "additionalInfo": "No application fee. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Application Fee"
      },
      {
        "additionalInfo": "Annual fee of $399. Charged annually on the loan anniversary date. Excludes GST.",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "399.00"
        },
        "name": "Annual Fee"
      },
      {
        "additionalInfo": "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.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Valuation Fee",
        "variable": {
          "feeMinimum": "0.00"
        }
      },
      {
        "additionalInfo": "Legal fee from $750. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EVENT",
        "name": "Legal Fee",
        "variable": {
          "feeMinimum": "750.00"
        }
      },
      {
        "additionalInfo": "Discharge fee from $550. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "variable",
        "feeType": "EXIT",
        "name": "Discharge Fee",
        "variable": {
          "feeMinimum": "550.00"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-13T02:54:14Z",
    "lendingRates": [
      {
        "additionalInfo": "SMSF – LVR ≤65% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0709",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "SMSF – LVR ≤65%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "SMSF – LVR ≤65% – Investment IO. IO loading +0.20%. Maximum IO term 5 years.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0729",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "SMSF – LVR ≤65%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "SMSF – LVR ≤70% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0719",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 65.00% and up to and including 70.00%.",
            "maximumValue": "0.7000",
            "minimumValue": "0.6501",
            "name": "SMSF – LVR ≤70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "SMSF – LVR ≤70% – Investment IO. IO loading +0.20%. Maximum IO term 5 years.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0739",
        "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": "SMSF – LVR ≤70%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "SMSF – LVR ≤75% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0729",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 70.00% and up to and including 75.00%.",
            "maximumValue": "0.7500",
            "minimumValue": "0.7001",
            "name": "SMSF – LVR ≤75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "SMSF – LVR ≤75% – Investment IO. IO loading +0.20%. Maximum IO term 5 years.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0749",
        "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": "SMSF – LVR ≤75%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "SMSF – LVR ≤80% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0739",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR greater than 75.00% and up to and including 80.00%.",
            "maximumValue": "0.8000",
            "minimumValue": "0.7501",
            "name": "SMSF – LVR ≤80%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "SMSF – LVR ≤80% – Investment IO. IO loading +0.20%. Maximum IO term 5 years.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.0759",
        "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": "SMSF – LVR ≤80%",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "SMSF Residential Home Loan – Prime",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "91bdf4c5-fb95-460f-8480-b23b3f06e50e"
  }
}