---
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: 2026-08-26T05:53:51Z
---

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

## At a glance

- **From (owner occupied):** 9.34% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Owner Occupied P&I. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 9.34% | — | Full Doc – LVR ≤65% – OO P&I; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤65% – Owner Occupied P&I. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 9.79% | — | Alt Doc – LVR ≤65% – OO P&I; Loan amount $100,000–$1,750,000 |
| Variable (Full Doc – LVR ≤70% – Owner Occupied P&I.) | 9.84% | — | Full Doc – LVR ≤70% – OO P&I; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Owner Occupied P&I.) | 10.04% | — | Full Doc – LVR ≤75% – OO P&I; Loan amount $100,000–$1,500,000 |
| Variable (Full Doc – LVR ≤80% – Owner Occupied P&I.) | 10.14% | — | Full Doc – LVR ≤80% – OO P&I; Loan amount $100,000–$1,000,000 |
| Variable (Alt Doc – LVR ≤70% – Owner Occupied P&I.) | 10.29% | — | Alt Doc – LVR ≤70% – OO P&I; Loan amount $100,000–$1,500,000 |
| Variable (Alt Doc – LVR ≤75% – Owner Occupied P&I.) | 10.39% | — | Alt Doc – LVR ≤75% – OO P&I; Loan amount $100,000–$1,500,000 |
| Variable (Alt Doc – LVR ≤80% – Owner Occupied P&I.) | 10.49% | — | Alt Doc – LVR ≤80% – OO P&I; Loan amount $100,000–$1,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Owner Occupied IO. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 9.54% | — | Full Doc – LVR ≤65% – OO IO; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤65% – Owner Occupied IO. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 9.99% | — | Alt Doc – LVR ≤65% – OO IO; Loan amount $100,000–$1,750,000 |
| Variable (Full Doc – LVR ≤70% – Owner Occupied IO.) | 10.04% | — | Full Doc – LVR ≤70% – OO IO; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Owner Occupied IO.) | 10.24% | — | Full Doc – LVR ≤75% – OO IO; Loan amount $100,000–$1,500,000 |
| Variable (Full Doc – LVR ≤80% – Owner Occupied IO.) | 10.34% | — | Full Doc – LVR ≤80% – OO IO; Loan amount $100,000–$1,000,000 |
| Variable (Alt Doc – LVR ≤70% – Owner Occupied IO.) | 10.49% | — | Alt Doc – LVR ≤70% – OO IO; Loan amount $100,000–$1,500,000 |
| Variable (Alt Doc – LVR ≤75% – Owner Occupied IO.) | 10.59% | — | Alt Doc – LVR ≤75% – OO IO; Loan amount $100,000–$1,500,000 |
| Variable (Alt Doc – LVR ≤80% – Owner Occupied IO.) | 10.69% | — | Alt Doc – LVR ≤80% – OO IO; Loan amount $100,000–$1,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Investment P&I. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 9.64% | — | Full Doc – LVR ≤65% – Inv P&I; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤65% – Investment P&I. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 10.09% | — | Alt Doc – LVR ≤65% – Inv P&I; Loan amount $100,000–$1,750,000 |
| Variable (Full Doc – LVR ≤70% – Investment P&I.) | 10.14% | — | Full Doc – LVR ≤70% – Inv P&I; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment P&I.) | 10.34% | — | Full Doc – LVR ≤75% – Inv P&I; Loan amount $100,000–$1,500,000 |
| Variable (Full Doc – LVR ≤80% – Investment P&I.) | 10.44% | — | Full Doc – LVR ≤80% – Inv P&I; Loan amount $100,000–$1,000,000 |
| Variable (Alt Doc – LVR ≤70% – Investment P&I.) | 10.59% | — | Alt Doc – LVR ≤70% – Inv P&I; Loan amount $100,000–$1,500,000 |
| Variable (Alt Doc – LVR ≤75% – Investment P&I.) | 10.69% | — | Alt Doc – LVR ≤75% – Inv P&I; Loan amount $100,000–$1,500,000 |
| Variable (Alt Doc – LVR ≤80% – Investment P&I.) | 10.79% | — | Alt Doc – LVR ≤80% – Inv P&I; Loan amount $100,000–$1,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Investment IO. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 9.84% | — | Full Doc – LVR ≤65% – Inv IO; Loan amount $100,000–$2,000,000 |
| Variable (Alt Doc – LVR ≤65% – Investment IO. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 10.29% | — | Alt Doc – LVR ≤65% – Inv IO; Loan amount $100,000–$1,750,000 |
| Variable (Full Doc – LVR ≤70% – Investment IO.) | 10.34% | — | Full Doc – LVR ≤70% – Inv IO; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment IO.) | 10.54% | — | Full Doc – LVR ≤75% – Inv IO; Loan amount $100,000–$1,500,000 |
| Variable (Full Doc – LVR ≤80% – Investment IO.) | 10.64% | — | Full Doc – LVR ≤80% – Inv IO; Loan amount $100,000–$1,000,000 |
| Variable (Alt Doc – LVR ≤70% – Investment IO.) | 10.79% | — | Alt Doc – LVR ≤70% – Inv IO; Loan amount $100,000–$1,500,000 |
| Variable (Alt Doc – LVR ≤75% – Investment IO.) | 10.89% | — | Alt Doc – LVR ≤75% – Inv IO; Loan amount $100,000–$1,500,000 |
| Variable (Alt Doc – LVR ≤80% – Investment IO.) | 10.99% | — | Alt Doc – LVR ≤80% – Inv IO; 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% — Standard Full Doc risk fee 1.50% of the loan amount applies at LVR ≤65%. Under the Residential Rate Refresh, a 50% discount reduces this fee to 0.75% for eligible new applications submitted from 29 July to 30 September 2026. Excludes GST. · Discount −50% of fee — Residential Rate Refresh – Specialist Full Doc risk fee reduced to 0.75% at LVR ≤65%. (eligibility: Other: Available on eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive.; Other: Applies to MA Money Specialist Full Doc Residential loans at LVR up to and including 65%.) | Upfront | 1.5% 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 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. 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.**
- **Up to 6 borrowers accepted per application.**

## Eligibility

- **Residency status** — Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents (Eligible individual borrowers include Australian citizens, New Zealand citizens residing in Australia, and Australian Permanent Resident Visa holders, including individuals acting as trustee. For multiple borrowers, applications may be accepted where the majority of assessable income is from applicants meeting these residency requirements and any non-resident co-applicant contributes only minor or no income to servicing. Eligible trusts include discretionary, unit and family trusts. Company borrowers, including company trustees, must be Australian-domiciled and have no more than five directors.)
- **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. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.**
- **Owner Occupied or Investment. Purchase, refinance, or debt consolidation. Cash out is 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 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.**
- **Category 1: product and LVR-specific maximums apply. Category 2: maximum loan $2.5m and maximum LVR 80%, subject to the Specialist Full Doc and Alt Doc limits. Category 3: maximum loan $1m and maximum LVR 70%.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $1,750,000.00 (Alt Doc: maximum loan amount $1.75m for LVR up to and including 65.00%.)
- **Maximum limit** — $2,000,000.00 (Full Doc: maximum loan amount $2m for LVR up to and including 65.00%.)
- **Maximum limit** — $1,500,000.00 (Alt Doc: maximum loan amount $1.5m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $2,000,000.00 (Full Doc: maximum loan amount $2m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $1,500,000.00 (Alt Doc: maximum loan amount $1.5m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $1,500,000.00 (Full Doc: maximum loan amount $1.5m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $1,000,000.00 (Alt Doc: maximum loan amount $1m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $1,000,000.00 (Full Doc: maximum loan amount $1m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $2,000,000.00 (Category 1 maximum loan amount $2m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Category 1 maximum LVR 80%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum limit** — $2,000,000.00 (Category 2 maximum loan amount $2m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Category 2 maximum LVR 80%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum limit** — $1,000,000.00 (Category 3 maximum loan amount $1m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 70% (Category 3 maximum LVR 70%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR 80%, subject to the applicable loan amount, documentation type, postcode category and security conditions.)

## 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: 26 August 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)