---
title: "Residential Home Loan – Specialist (≤$2m) — MA Money"
description: "Home Loans from MA Money. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ma-money/products/06b13ead-da6b-461e-9bcd-51d2f88ed581
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:20:34Z
---

# Residential Home Loan – Specialist (≤$2m) — MA Money

> Home Loans from MA Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · MA Money Financial Services Pty Ltd**

MA Money Specialist residential mortgage for owner-occupied or investment purposes, available under Full Documentation and Alternative Documentation pathways.

## At a glance

- **From (owner occupied):** 9.64% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 9.64% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 10.09% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Full Documentation.) | 10.14% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 10.39% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Full Documentation.) | 10.54% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,000,000 |
| Variable (Available under Alternative Documentation.) | 10.59% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Alternative Documentation.) | 10.74% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Alternative Documentation.) | 10.89% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 9.84% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 10.29% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Full Documentation.) | 10.34% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 10.59% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Full Documentation.) | 10.74% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,000,000 |
| Variable (Available under Alternative Documentation.) | 10.79% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Alternative Documentation.) | 10.94% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Alternative Documentation.) | 11.09% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 9.94% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 10.39% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Full Documentation.) | 10.44% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 10.69% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Full Documentation.) | 10.84% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,000,000 |
| Variable (Available under Alternative Documentation.) | 10.89% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Alternative Documentation.) | 11.04% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Alternative Documentation.) | 11.19% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 10.14% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 10.59% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Full Documentation.) | 10.64% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 10.89% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Full Documentation.) | 11.04% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,000,000 |
| Variable (Available under Alternative Documentation.) | 11.09% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Alternative Documentation.) | 11.24% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$1,500,000 |
| Variable (Available under Alternative Documentation.) | 11.39% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,000,000 |

## 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. | Exit | From $550.00 |
| Risk Fee – Specialist Full Doc LVR ≤65% — Risk fee 0.75% of the loan amount applies for Full Documentation at LVR up to and including 65%. Excludes GST. | Upfront | 0.75% of balance |
| Risk Fee – Specialist Alt Doc LVR ≤65% — Alt Doc risk fee 1.50% of the loan amount applies at LVR ≤65%. Excludes GST. | Upfront | 1.5% of balance |
| Risk Fee – Specialist Full & Alt Doc LVR >65% to 80% — Risk fee 1.50% of the loan amount applies for Full Doc and Alt Doc at LVR greater than 65% and up to 80%. Excludes GST. | Upfront | 1.5% of balance |

## Features

- **Offset account** (Up to four offset accounts are available.)
- **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. 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** — Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents (For multiple applicants, the majority of assessable income must be from applicants meeting these residency requirements; any non-resident co-applicant may contribute only minor or no income to servicing.)
- **Accommodates borrowers with significant credit impairment. Paid or unpaid defaults may be considered; a single credit event listed within the last 12 months may be considered, and unlimited adverse listings may be considered when listed for more than 12 months. Mortgage and other arrears within the last 6 months may be considered, and discharged bankruptcy is accepted subject to policy.**
- **Owner Occupied or Investment. Purchase, refinance, or debt consolidation. Cash out is limited to $100,000.**
- **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 are subject to a separate LVR constraint. Maximum 6 residential properties on one title. Mixed-use zoning acceptable where residence is on a separate title.**
- **Full Documentation and Alternative Documentation pathways are available. PAYG applicants provide the last two payslips dated within 45 days or three months of bank statements showing salary credits. Self-employed Full Doc generally uses one year tax returns and corresponding Notice of Assessment. Alt Doc uses a Declaration of Financial Position and one of an Accountant Letter, the last two BAS, or six months of business bank statements. Near Prime Plus and Specialist generally require ABN over 6 months and GST registration over 1 day; where GST registration is less than 6 months, MA Money may request additional documentation if trading activity is unclear or inconsistent.**
- **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.**
- **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.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $1,000,000.00 (Full Doc and Alt Doc; applies at LVR greater than 75% and up to and including 80%.)
- **Maximum limit** — $1,500,000.00 (Alt Doc; applies at LVR greater than 65% and up to and including 75%.)
- **Maximum limit** — $1,500,000.00 (Full Doc; applies at LVR greater than 70% and up to and including 75%.)
- **Maximum limit** — $1,750,000.00 (Alt Doc; applies at LVR up to and including 65%.)
- **Maximum limit** — $2,000,000.00 (Full Doc; applies at LVR up to and including 70%.)
- **Maximum limit** — $2,000,000.00 (Category 2 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum limit** — $1,000,000.00 (Category 3 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)
- **Maximum LVR** — 80% (Category 2 maximum LVR; subject to product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 70% (Category 3 maximum LVR; subject to product, loan amount, documentation and security restrictions.)

## More information from MA Money

- [Overview](https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/)
- [Terms & conditions](https://www.mamoney.com.au/terms-conditions/)
- [Eligibility](https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/)
- [Fees & pricing](https://www.mamoney.com.au/brokers/resources/rate-product-information/residential-guide/)

## Data provenance

- Published by MA Money under the Consumer Data Right
- Product ID: `06b13ead-da6b-461e-9bcd-51d2f88ed581`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/06b13ead-da6b-461e-9bcd-51d2f88ed581
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/06b13ead-da6b-461e-9bcd-51d2f88ed581) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)