---
title: "Residential Home Loan – Near Prime Plus (≤$2.5m) — 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/20c71745-096d-4445-be53-d53254bd2ad3
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:20:33Z
---

# Residential Home Loan – Near Prime Plus (≤$2.5m) — 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 Near Prime Plus residential mortgage for owner-occupied or investment purposes, available under Full Documentation and Alternative Documentation pathways.

## At a glance

- **From (owner occupied):** 8.64% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.64% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.74% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,250,000 |
| Variable (Available under Alternative Documentation.) | 8.89% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.09% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 9.19% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,250,000 |
| Variable (Available under Full Documentation.) | 9.34% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Alternative Documentation.) | 9.44% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 9.59% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Full Documentation.) | 9.74% | — | Loan-to-value ratio 80.01–85%; Loan amount $100,000–$1,000,000 |
| Variable (Available under Alternative Documentation.) | 10.09% | — | Loan-to-value ratio 80.01–85%; Loan amount $100,000–$1,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.84% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.94% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,250,000 |
| Variable (Available under Alternative Documentation.) | 9.09% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.29% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 9.39% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,250,000 |
| Variable (Available under Full Documentation.) | 9.54% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Alternative Documentation.) | 9.64% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 9.79% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Full Documentation.) | 9.94% | — | Loan-to-value ratio 80.01–85%; Loan amount $100,000–$1,000,000 |
| Variable (Available under Alternative Documentation.) | 10.29% | — | Loan-to-value ratio 80.01–85%; Loan amount $100,000–$1,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.94% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.04% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,250,000 |
| Variable (Available under Alternative Documentation.) | 9.19% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.39% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 9.49% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,250,000 |
| Variable (Available under Full Documentation.) | 9.64% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Alternative Documentation.) | 9.74% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 9.89% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Full Documentation.) | 10.04% | — | Loan-to-value ratio 80.01–85%; Loan amount $100,000–$1,000,000 |
| Variable (Available under Alternative Documentation.) | 10.39% | — | Loan-to-value ratio 80.01–85%; Loan amount $100,000–$1,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 9.14% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.24% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,250,000 |
| Variable (Available under Alternative Documentation.) | 9.39% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.59% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 9.69% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,250,000 |
| Variable (Available under Full Documentation.) | 9.84% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Alternative Documentation.) | 9.94% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Alternative Documentation.) | 10.09% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$1,750,000 |
| Variable (Available under Full Documentation.) | 10.24% | — | Loan-to-value ratio 80.01–85%; Loan amount $100,000–$1,000,000 |
| Variable (Available under Alternative Documentation.) | 10.59% | — | Loan-to-value ratio 80.01–85%; 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 – Near Prime Plus Full Doc LVR ≤65% — Risk fee 0.50% of the loan amount applies for Full Documentation at LVR up to and including 65%. Excludes GST. | Upfront | 0.5% of balance |
| Risk Fee – Near Prime Plus Alt Doc LVR ≤65% — Alt Doc risk fee 1.00% of the loan amount applies at LVR ≤65%. Excludes GST. | Upfront | 1% of balance |
| Risk Fee – Near Prime Plus Full & Alt Doc LVR >65% to 80% — Risk fee 1.00% of the loan amount applies for Full Doc and Alt Doc at LVR greater than 65% and up to 80%. Excludes GST. | Upfront | 1% of balance |
| Risk Fee – Near Prime Plus Full & Alt Doc LVR >80% to 85% — Risk fee 2.00% of the loan amount applies for Full Doc and Alt Doc at LVR greater than 80% and up to 85%. Excludes GST. | Upfront | 2% 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.**
- **Risk Fee Reducer is available only where a Residential risk fee up to 1.00% applies, for loans up to 80% LVR, and excludes loans over $2.5m. 0.50% risk fee -> +0.25% ongoing rate loading; 1.00% risk fee -> +0.50% ongoing rate loading. Choosing this option reduces or waives the upfront risk fee in exchange for a higher ongoing interest rate.**

## 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 more significant credit impairment. Mortgage arrears up to 2 months and other arrears up to 6 months may be accepted. Discharged bankruptcy accepted.**
- **Owner Occupied or Investment. Purchase, refinance, cash out, or debt consolidation. Cash out from private lenders is capped at $200,000.**
- **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 80% and up to and including 85%.)
- **Maximum limit** — $1,750,000.00 (Full Doc and Alt Doc; applies at LVR greater than 75% and up to and including 80%.)
- **Maximum limit** — $2,000,000.00 (Full Doc and Alt Doc; applies at LVR greater than 70% and up to and including 75%.)
- **Maximum limit** — $2,250,000.00 (Full Doc and Alt Doc; applies at LVR greater than 65% and up to and including 70%.)
- **Maximum limit** — $2,500,000.00 (Full Doc and Alt Doc; applies at LVR up to and including 65%.)
- **Maximum limit** — $2,500,000.00 (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** — 85% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)
- **Maximum LVR** — 80% (Applies to high-density apartments.)
- **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: `20c71745-096d-4445-be53-d53254bd2ad3`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/20c71745-096d-4445-be53-d53254bd2ad3
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/20c71745-096d-4445-be53-d53254bd2ad3) — 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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