Bridging Residential Loan – Prime (≤$5m)
MA Money Prime Bridging loan. Sizes $200k–$5m. 6 or 12 month term. Interest capitalised monthly. Full Doc and Alt Doc.
- From (owner occupied)
- 8.24%
- Variable
Interest Rates
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Full & Alt Doc – LVR ≤65%. Interest capitalised monthly. | 8.24% | — | Full & Alt Doc – LVR ≤65% |
| Variable Full & Alt Doc – LVR ≤70%. Interest capitalised monthly. | 8.34% | — | Full & Alt Doc – LVR ≤70% |
| Variable Full & Alt Doc – LVR ≤75%. Interest capitalised monthly. | 8.44% | — | Full & Alt Doc – LVR ≤75% |
| Variable Full & Alt Doc – LVR ≤80%. Interest capitalised monthly. | 8.54% | — | Full & Alt Doc – LVR ≤80% |
Investment — Interest only
| Type | Rate |
|---|
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee – Full Doc Full Doc bridging application fee. Excludes GST. | Upfront | $500.00 |
| Application Fee – Alt Doc Alt Doc bridging application fee. Excludes GST. | Upfront | $599.00 |
| Annual Fee Charged yearly · No annual fee for Bridging loans. Excludes GST. | Ongoing | $0.00 |
| 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 Risk fee 1.25% of loan amount on all Bridging loans at LVR ≤80%. Excludes GST. | Upfront |
Features
- Interest is capitalised monthly and added to the loan balance. No repayments during the loan term.
- No End Debt: full repayment from property sale proceeds. No serviceability assessment required.
- End Debt: residual balance after sale proceeds is refinanced to a MA Money home loan. Serviceability assessed on the end debt amount only.
- Up to 4 loan splits per loan. One offset account available per split.
- Up to 6 borrowers accepted per application.
Eligibility
- Residency status — AUSTRALIAN_CITIZEN_PR_OR_NZAustralian citizens, Australian Permanent Residents, or New Zealand citizens residing in Australia. Individual, Company or Trust (Australia-based).
- Prime bridging credit quality required. Aggregate paid defaults up to $500 may be considered. No mortgage arrears, other arrears, or bankruptcy are permitted for Prime. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.
- Loan term 6 or 12 months. Interest Only with interest capitalised monthly. No serviceability required for No End Debt scenarios. End Debt: serviceability assessed on end debt amount only.
- Maximum loan $5m subject to postcode: Category 1 maximum LVR 80%; Category 2 maximum LVR 70%; Category 3 maximum loan $2m at 70% LVR. Postcode category may restrict availability.
- 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.
Constraints
- Minimum limit — $200,000.00Minimum $200,000.
- Maximum limit — $5,000,000.00Maximum loan amount varies by postcode category.
- Maximum LVR — 80%Maximum LVR 80%, subject to loan amount, documentation type, postcode category, security type and credit assessment criteria.
More Information
Published by MA Money under the Consumer Data Right · Last updated 13 July 2026 · Product ID 0e107437-2e60-42df-a967-645fbac4abaf · View Source Data (JSON)