Residential Home Loan – Specialist (≤$2m)

Home LoansMA Money Financial Services Pty Ltd

MA Money Specialist residential loan. Sizes $100k–$2m. Full Doc and Alt Doc to 80% LVR. Cash out capped at $100,000. Bankruptcy discharged >1 day accepted.

From (owner occupied): 9.64%; Variable

Interest Rates

Owner occupied — Principal & interest

Type	Rate	Comparison	Applies To
Variable Full Doc – LVR ≤65% – Owner Occupied P&I.	9.64%	—	Full Doc – LVR ≤65% – OO P&I
Variable Full Doc – LVR ≤70% – Owner Occupied P&I.	9.84%	—	Full Doc – LVR ≤70% – OO P&I
Variable Full Doc – LVR ≤75% – Owner Occupied P&I.	10.04%	—	Full Doc – LVR ≤75% – OO P&I
Variable Alt Doc – LVR ≤65% – Owner Occupied P&I.	10.09%	—	Alt Doc – LVR ≤65% – OO P&I
Variable Full Doc – LVR ≤80% – Owner Occupied P&I.	10.14%	—	Full Doc – LVR ≤80% – OO P&I

Fees

Fee	Type	Amount
Application Fee – Full Doc One-off upfront fee for Full Doc applications. Excludes GST.	Upfront	$899.00
Application Fee – Alt Doc One-off upfront fee for Alt Doc applications. Excludes GST.	Upfront	$899.00
Annual Fee Charged yearly · Annual account keeping fee. Excludes GST.	Ongoing	$0.00
Offset Account Fee Charged monthly · $10 per offset account per month. Maximum 4 per loan. Excludes GST.	Ongoing	$10.00
Valuation Fee Charged at cost via Property Hub. AVM and Desktop valuations available subject to eligibility. Excludes GST.	Event	From $0.00
Legal Fee Legal fee from $400. Excludes GST.	Event	From $400.00
Discharge Fee Discharge fee from $550. Excludes GST.

Features

Offset account: Up to 4 offset accounts per loan (1 per loan split). Fee: $10/month per account.
Redraw facility: Redraw facility available.
Extra repayments: 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.
Interest Only repayments are available for up to 5 years unless otherwise stated. Residential Prime investment loans at ≤80% LVR may be considered for up to 10 years on a POA basis. Interest-only loans revert to principal and interest at the end of the IO period.
Digital banking: Internet banking, direct debits and direct credits.
Up to 4 loan splits per loan. One offset account available per split.

Eligibility

Residency status — AU_NZ_PR_AND_ELIGIBLE_ENTITIESEligible 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.
Accommodates borrowers with significant credit events including recent adverse listings, unlimited arrears and discharged bankruptcy. Maximum LVR 80%. Cash out limited to $100,000. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.
Cash out limited to $100,000.
Serviceability assessment applies. See MA Money's Rate and Product Guide at mamoney.com.au for full assessment criteria.
Product maximum is $2m at maximum LVR 80%. Category 2: maximum loan $1.5m; maximum LVR 80%. Category 3: maximum loan $500k; maximum LVR 70%. Postcode category may further restrict availability.
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 apartments (40+ units in complex): maximum 80% LVR. Maximum 6 residential properties on one title. Mixed-use zoning acceptable where residence is on a separate title.
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.
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.

Constraints

More Information

Published by MA Money under the Consumer Data Right · Last updated 13 July 2026 · Product ID 06b13ead-da6b-461e-9bcd-51d2f88ed581 · View Source Data (JSON)

Type	Rate	Comparison	Applies To
Variable Full Doc – LVR ≤65% – Owner Occupied IO.	9.84%	—	Full Doc – LVR ≤65% – OO IO
Variable Full Doc – LVR ≤70% – Owner Occupied IO.	10.04%	—	Full Doc – LVR ≤70% – OO IO
Variable Full Doc – LVR ≤75% – Owner Occupied IO.	10.24%	—	Full Doc – LVR ≤75% – OO IO
Variable Alt Doc – LVR ≤65% – Owner Occupied IO.	10.29%	—	Alt Doc – LVR ≤65% – OO IO
Variable Full Doc – LVR ≤80% – Owner Occupied IO.	10.34%	—	Full Doc – LVR ≤80% – OO IO
Variable Alt Doc – LVR ≤70% – Owner Occupied IO.	10.49%	—	Alt Doc – LVR ≤70% – OO IO
Variable Alt Doc – LVR ≤75% – Owner Occupied IO.	10.59%	—	Alt Doc – LVR ≤75% – OO IO
Variable Alt Doc – LVR ≤80% – Owner Occupied IO.	10.69%	—	Alt Doc – LVR ≤80% – OO IO

Type	Rate	Comparison	Applies To
Variable Full Doc – LVR ≤65% – Investment P&I.	9.94%	—	Full Doc – LVR ≤65% – Inv P&I
Variable Full Doc – LVR ≤70% – Investment P&I.	10.14%	—	Full Doc – LVR ≤70% – Inv P&I
Variable Full Doc – LVR ≤75% – Investment P&I.	10.34%	—	Full Doc – LVR ≤75% – Inv P&I
Variable Alt Doc – LVR ≤65% – Investment P&I.	10.39%	—	Alt Doc – LVR ≤65% – Inv P&I
Variable Full Doc – LVR ≤80% – Investment P&I.	10.44%	—	Full Doc – LVR ≤80% – Inv P&I
Variable Alt Doc – LVR ≤70% – Investment P&I.	10.59%	—	Alt Doc – LVR ≤70% – Inv P&I
Variable Alt Doc – LVR ≤75% – Investment P&I.	10.69%	—	Alt Doc – LVR ≤75% – Inv P&I
Variable Alt Doc – LVR ≤80% – Investment P&I.	10.79%	—	Alt Doc – LVR ≤80% – Inv P&I

Type	Rate	Comparison	Applies To
Variable Full Doc – LVR ≤65% – Investment IO.	10.14%	—	Full Doc – LVR ≤65% – Inv IO
Variable Full Doc – LVR ≤70% – Investment IO.	10.34%	—	Full Doc – LVR ≤70% – Inv IO
Variable Full Doc – LVR ≤75% – Investment IO.	10.54%	—	Full Doc – LVR ≤75% – Inv IO
Variable Alt Doc – LVR ≤65% – Investment IO.	10.59%	—	Alt Doc – LVR ≤65% – Inv IO
Variable Full Doc – LVR ≤80% – Investment IO.	10.64%	—	Full Doc – LVR ≤80% – Inv IO
Variable Alt Doc – LVR ≤70% – Investment IO.	10.79%	—	Alt Doc – LVR ≤70% – Inv IO
Variable Alt Doc – LVR ≤75% – Investment IO.	10.89%	—	Alt Doc – LVR ≤75% – Inv IO
Variable Alt Doc – LVR ≤80% – Investment IO.	10.99%	—	Alt Doc – LVR ≤80% – Inv IO