{
  "source": "https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/c6e693c6-22c3-4003-b2da-118096a574b9",
  "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": [
      {
        "additionalValue": "100000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Maximum loan amount varies by LVR and postcode category.",
        "additionalValue": "1500000.00",
        "constraintType": "MAX_LIMIT"
      },
      {
        "additionalInfo": "Maximum LVR 75% for residential vacant land investment loans, subject to loan amount, postcode category, documentation type, security type and credit assessment criteria.",
        "additionalValue": "0.7500",
        "constraintType": "MAX_LVR"
      }
    ],
    "description": "MA Money Specialist Vacant Land investment loan. Sizes $100k–$1.5m. Full Doc and Alt Doc. Max LVR 75%.",
    "eligibility": [
      {
        "additionalInfo": "Eligible individual borrowers include Australian citizens, New Zealand citizens residing in Australia, and Australian Permanent Resident Visa holders, including individuals acting as trustee. Eligible trusts include discretionary, unit and family trusts. Company borrowers, including company trustees, must be Australian-domiciled and have no more than five directors. Expat borrowers may be eligible where they meet the applicable MA Money policy and TMD criteria.",
        "additionalValue": "AU_NZ_PR_AND_ELIGIBLE_ENTITIES",
        "eligibilityType": "RESIDENCY_STATUS"
      },
      {
        "additionalInfo": "Vacant residential or rural residential land only, maximum 25 acres. Land can be used as sole security. Not available for construction, development purposes, completing construction, or land with ongoing construction. Consumers are not permitted to commence construction on the land under the terms of this product. Development sites with DA approval are not acceptable security.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Investment only. Residential Vacant Land loans are investor loans for CDR rate disclosure. Purchase, refinance, debt consolidation (excluding tax debt) and equity release/cash out may be available subject to policy, secured by vacant land only. Negative gearing is not accepted for Vacant Land loans.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Accommodates borrowers with significant credit events including recent adverse listings, unlimited arrears and discharged bankruptcy. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.",
        "eligibilityType": "OTHER"
      },
      {
        "additionalInfo": "Product maximum is $1.5m. Category 1: maximum LVR 75%. Category 2: maximum loan $1.5m; maximum LVR 70%. Category 3: not available. Product cap applies first.",
        "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"
      },
      {
        "additionalInfo": "Loan term 5 to 40 years. A 31–40 year term is only available for eligible purchase applications where all applicants are aged 40 or under and is not available for loans over $2.5m.",
        "eligibilityType": "OTHER"
      }
    ],
    "features": [
      {
        "additionalInfo": "Redraw facility available.",
        "featureType": "REDRAW"
      },
      {
        "additionalInfo": "Additional repayments above the required minimum repayments are available at no additional cost, subject to loan terms. Redraw may be available for eligible additional repayments.",
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "additionalInfo": "Interest Only repayments are available for up to 5 years, then reverting to principal and interest.",
        "featureType": "OTHER"
      },
      {
        "additionalInfo": "Internet banking, direct debits and direct credits.",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfo": "Offset account available. $10 per offset account per month. One offset account available per loan split.",
        "featureType": "OFFSET"
      },
      {
        "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 application fee. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "899.00"
        },
        "name": "Application Fee – Full Doc"
      },
      {
        "additionalInfo": "Alt Doc application fee. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "UPFRONT",
        "fixedAmount": {
          "amount": "899.00"
        },
        "name": "Application Fee – Alt Doc"
      },
      {
        "additionalInfo": "No annual fee for Vacant Land loans. Excludes GST.",
        "additionalValue": "P1Y",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "0.00"
        },
        "name": "Annual Fee"
      },
      {
        "additionalInfo": "$10 per offset account per month. One offset account available per loan split. Excludes GST.",
        "additionalValue": "P1M",
        "currency": "AUD",
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "10.00"
        },
        "name": "Offset Account 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 Vacant Land loans at LVR ≤75%. Excludes GST.",
        "currency": "AUD",
        "feeMethodUType": "rateBased",
        "feeType": "UPFRONT",
        "name": "Risk Fee",
        "rateBased": {
          "rate": "0.0125",
          "rateType": "BALANCE"
        }
      }
    ],
    "isTailored": false,
    "lastUpdated": "2026-07-13T02:54:04Z",
    "lendingRates": [
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1064",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤65% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤65% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1084",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Full Doc – LVR ≤65% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1084",
        "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": "Full Doc – LVR ≤70% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤70% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1104",
        "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 Doc – LVR ≤70% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1104",
        "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": "Full Doc – LVR ≤75% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Full Doc – LVR ≤75% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1124",
        "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 Doc – LVR ≤75% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤65% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1109",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Alt Doc – LVR ≤65% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤65% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1129",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "additionalInfo": "This tier represents LVR up to and including 65.00%.",
            "maximumValue": "0.6500",
            "minimumValue": "0.0000",
            "name": "Alt Doc – LVR ≤65% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤70% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1129",
        "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": "Alt Doc – LVR ≤70% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤70% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1149",
        "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": "Alt Doc – LVR ≤70% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤75% – Investment P&I.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1139",
        "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": "Alt Doc – LVR ≤75% – Inv P&I",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      },
      {
        "additionalInfo": "Alt Doc – LVR ≤75% – Investment IO.",
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "VARIABLE",
        "loanPurpose": "INVESTMENT",
        "rate": "0.1159",
        "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": "Alt Doc – LVR ≤75% – Inv IO",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "unitOfMeasure": "PERCENT"
          }
        ]
      }
    ],
    "name": "Vacant Land Loan – Specialist (≤$1.5m)",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "productId": "c6e693c6-22c3-4003-b2da-118096a574b9"
  }
}