---
title: "Bridging Residential Loan – Prime (≤$5m) — 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/0e107437-2e60-42df-a967-645fbac4abaf
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:20:41Z
---

# Bridging Residential Loan – Prime (≤$5m) — 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 Prime bridging residential mortgage with six- or twelve-month terms, available under Full Documentation and Alternative Documentation pathways.

## At a glance

- **From (owner occupied):** 8.54% (Variable)

## Interest rates

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Interest is capitalised monthly. · Available under Full Documentation or Alternative Documentation.) | 8.54% | — | Loan-to-value ratio ≤65%; Loan amount $200,000–$5,000,000 |
| Variable (Interest is capitalised monthly. · Available under Full Documentation or Alternative Documentation.) | 8.64% | — | Loan-to-value ratio 65.01–70%; Loan amount $200,000–$5,000,000 |
| Variable (Interest is capitalised monthly. · Available under Full Documentation or Alternative Documentation.) | 8.79% | — | Loan-to-value ratio 70.01–75%; Loan amount $200,000–$5,000,000 |
| Variable (Interest is capitalised monthly. · Available under Full Documentation or Alternative Documentation.) | 8.94% | — | Loan-to-value ratio 75.01–80%; Loan amount $200,000–$5,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Interest is capitalised monthly. · Available under Full Documentation or Alternative Documentation.) | 8.54% | — | Loan-to-value ratio ≤65%; Loan amount $200,000–$5,000,000 |
| Variable (Interest is capitalised monthly. · Available under Full Documentation or Alternative Documentation.) | 8.64% | — | Loan-to-value ratio 65.01–70%; Loan amount $200,000–$5,000,000 |
| Variable (Interest is capitalised monthly. · Available under Full Documentation or Alternative Documentation.) | 8.79% | — | Loan-to-value ratio 70.01–75%; Loan amount $200,000–$5,000,000 |
| Variable (Interest is capitalised monthly. · Available under Full Documentation or Alternative Documentation.) | 8.94% | — | Loan-to-value ratio 75.01–80%; Loan amount $200,000–$5,000,000 |

## 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 | 1.25% of balance |
| Offset Account Fee — Charged monthly · $10 per offset account per month. One offset account is available per loan split. Excludes GST. | Ongoing | $10.00 |

## 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.**
- **Offset account** (One offset account is available per loan split.)

## Eligibility

- **Residency status** — Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents (Eligible Expat borrowers may also apply subject to the applicable MA Money policy.)
- **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.**
- **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.**
- **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.**
- **Eligible borrower structures include Australia-based individuals, companies and trusts.**
- **Up to six borrowers may be accepted per application.**

## Constraints

- **Minimum limit** — $200,000.00
- **Maximum limit** — $5,000,000.00 (Full Doc and Alt Doc; applies at LVR up to and including 80%.)
- **Maximum limit** — $5,000,000.00 (Category 2 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum limit** — $2,000,000.00 (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** — 75% (Category 1 vacant land security.)
- **Maximum LVR** — 75% (Category 2 maximum LVR; subject to product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 70% (Category 2 vacant land security.)
- **Maximum LVR** — 70% (Category 3 maximum LVR; subject to product, loan amount, documentation and security restrictions.)
- **Vacant land security is not available in Category 3.**

## 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: `0e107437-2e60-42df-a967-645fbac4abaf`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/0e107437-2e60-42df-a967-645fbac4abaf
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/0e107437-2e60-42df-a967-645fbac4abaf) — 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.

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