---
title: "Expat Home Loan – Near 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/2cb68e3e-94cb-479b-9df1-b28cdefd03b9
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:54:02Z
---

# Expat Home Loan – Near 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 Near Prime Expat loan. Sizes $100k–$5m. Full Doc only. Maximum LVR 80%. Separate pricing applies to loans up to $2.5m and loans above $2.5m to $5m. Term 5–30 years. Vacant-land security up to 80% LVR attracts a +1.00% rate loading and 1.25% risk fee.

## At a glance

- **From (owner occupied):** 7.74% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc (≤$2.5m) – LVR ≤65% – Owner Occupied P&I. · Applies to loan amounts up to and including $2.5m.) | 7.74% | — | Full Doc (≤$2.5m) – LVR ≤65% – OO P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤70% – Owner Occupied P&I. · Applies to loan amounts up to and including $2.5m.) | 7.84% | — | Full Doc (≤$2.5m) – LVR ≤70% – OO P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤75% – Owner Occupied P&I. · Applies to loan amounts up to and including $2.5m.) | 7.94% | — | Full Doc (≤$2.5m) – LVR ≤75% – OO P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤80% – Owner Occupied P&I. · Applies to loan amounts up to and including $2.5m.) | 8.04% | — | Full Doc (≤$2.5m) – LVR ≤80% – OO P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤65% – Owner Occupied P&I. · Applies to loan amounts above $2.5m and up to $5m.) | 8.64% | — | Full Doc (>$2.5m to $5m) – LVR ≤65% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤65% – Owner Occupied P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 8.74% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤65% – OO P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤70% – Owner Occupied P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 8.84% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤70% – OO P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤75% – Owner Occupied P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 8.94% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤75% – OO P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤70% – Owner Occupied P&I. · Applies to loan amounts above $2.5m and up to $5m.) | 8.94% | — | Full Doc (>$2.5m to $5m) – LVR ≤70% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤80% – Owner Occupied P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.04% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤80% – OO P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤75% – Owner Occupied P&I. · Applies to loan amounts above $2.5m and up to $5m.) | 9.04% | — | Full Doc (>$2.5m to $5m) – LVR ≤75% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤80% – Owner Occupied P&I. · Applies to loan amounts above $2.5m and up to $5m.) | 9.24% | — | Full Doc (>$2.5m to $5m) – LVR ≤80% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤65% – Owner Occupied P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.64% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤65% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤70% – Owner Occupied P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.94% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤70% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤75% – Owner Occupied P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.04% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤75% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤80% – Owner Occupied P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.24% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤80% – OO P&I; Loan amount $2,500,001–$5,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc (≤$2.5m) – LVR ≤65% – Owner Occupied IO. · Applies to loan amounts up to and including $2.5m.) | 7.94% | — | Full Doc (≤$2.5m) – LVR ≤65% – OO IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤70% – Owner Occupied IO. · Applies to loan amounts up to and including $2.5m.) | 8.04% | — | Full Doc (≤$2.5m) – LVR ≤70% – OO IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤75% – Owner Occupied IO. · Applies to loan amounts up to and including $2.5m.) | 8.14% | — | Full Doc (≤$2.5m) – LVR ≤75% – OO IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤80% – Owner Occupied IO. · Applies to loan amounts up to and including $2.5m.) | 8.24% | — | Full Doc (≤$2.5m) – LVR ≤80% – OO IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤65% – Owner Occupied IO. · Applies to loan amounts above $2.5m and up to $5m.) | 8.84% | — | Full Doc (>$2.5m to $5m) – LVR ≤65% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤65% – Owner Occupied IO. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 8.94% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤65% – OO IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤70% – Owner Occupied IO. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.04% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤70% – OO IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤75% – Owner Occupied IO. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.14% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤75% – OO IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤70% – Owner Occupied IO. · Applies to loan amounts above $2.5m and up to $5m.) | 9.14% | — | Full Doc (>$2.5m to $5m) – LVR ≤70% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤80% – Owner Occupied IO. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.24% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤80% – OO IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤75% – Owner Occupied IO. · Applies to loan amounts above $2.5m and up to $5m.) | 9.24% | — | Full Doc (>$2.5m to $5m) – LVR ≤75% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤80% – Owner Occupied IO. · Applies to loan amounts above $2.5m and up to $5m.) | 9.44% | — | Full Doc (>$2.5m to $5m) – LVR ≤80% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤65% – Owner Occupied IO. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.84% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤65% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤70% – Owner Occupied IO. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.14% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤70% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤75% – Owner Occupied IO. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.24% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤75% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤80% – Owner Occupied IO. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.44% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤80% – OO IO; Loan amount $2,500,001–$5,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc (≤$2.5m) – LVR ≤65% – Investment P&I. · Applies to loan amounts up to and including $2.5m.) | 8.04% | — | Full Doc (≤$2.5m) – LVR ≤65% – Inv P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤70% – Investment P&I. · Applies to loan amounts up to and including $2.5m.) | 8.14% | — | Full Doc (≤$2.5m) – LVR ≤70% – Inv P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤75% – Investment P&I. · Applies to loan amounts up to and including $2.5m.) | 8.24% | — | Full Doc (≤$2.5m) – LVR ≤75% – Inv P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤80% – Investment P&I. · Applies to loan amounts up to and including $2.5m.) | 8.34% | — | Full Doc (≤$2.5m) – LVR ≤80% – Inv P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤65% – Investment P&I. · Applies to loan amounts above $2.5m and up to $5m.) | 8.64% | — | Full Doc (>$2.5m to $5m) – LVR ≤65% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤70% – Investment P&I. · Applies to loan amounts above $2.5m and up to $5m.) | 8.94% | — | Full Doc (>$2.5m to $5m) – LVR ≤70% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤65% – Investment P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.04% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤65% – Inv P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤75% – Investment P&I. · Applies to loan amounts above $2.5m and up to $5m.) | 9.04% | — | Full Doc (>$2.5m to $5m) – LVR ≤75% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤70% – Investment P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.14% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤70% – Inv P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤75% – Investment P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.24% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤75% – Inv P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤80% – Investment P&I. · Applies to loan amounts above $2.5m and up to $5m.) | 9.24% | — | Full Doc (>$2.5m to $5m) – LVR ≤80% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤80% – Investment P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.34% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤80% – Inv P&I; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤65% – Investment P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.64% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤65% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤70% – Investment P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.94% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤70% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤75% – Investment P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.04% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤75% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤80% – Investment P&I. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.24% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤80% – Inv P&I; Loan amount $2,500,001–$5,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc (≤$2.5m) – LVR ≤65% – Investment IO. · Applies to loan amounts up to and including $2.5m.) | 8.24% | — | Full Doc (≤$2.5m) – LVR ≤65% – Inv IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤70% – Investment IO. · Applies to loan amounts up to and including $2.5m.) | 8.34% | — | Full Doc (≤$2.5m) – LVR ≤70% – Inv IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤75% – Investment IO. · Applies to loan amounts up to and including $2.5m.) | 8.44% | — | Full Doc (≤$2.5m) – LVR ≤75% – Inv IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (≤$2.5m) – LVR ≤80% – Investment IO. · Applies to loan amounts up to and including $2.5m.) | 8.54% | — | Full Doc (≤$2.5m) – LVR ≤80% – Inv IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤65% – Investment IO. · Applies to loan amounts above $2.5m and up to $5m.) | 8.84% | — | Full Doc (>$2.5m to $5m) – LVR ≤65% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤70% – Investment IO. · Applies to loan amounts above $2.5m and up to $5m.) | 9.14% | — | Full Doc (>$2.5m to $5m) – LVR ≤70% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤65% – Investment IO. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.24% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤65% – Inv IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤75% – Investment IO. · Applies to loan amounts above $2.5m and up to $5m.) | 9.24% | — | Full Doc (>$2.5m to $5m) – LVR ≤75% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤70% – Investment IO. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.34% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤70% – Inv IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤75% – Investment IO. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.44% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤75% – Inv IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc (>$2.5m to $5m) – LVR ≤80% – Investment IO. · Applies to loan amounts above $2.5m and up to $5m.) | 9.44% | — | Full Doc (>$2.5m to $5m) – LVR ≤80% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (≤$2.5m) – LVR ≤80% – Investment IO. The +1.00% vacant-land loading is included. · Applies to loan amounts up to and including $2.5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.54% | — | Full Doc Vacant Land (≤$2.5m) – LVR ≤80% – Inv IO; Loan amount $100,000–$2,500,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤65% – Investment IO. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 9.84% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤65% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤70% – Investment IO. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.14% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤70% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤75% – Investment IO. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.24% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤75% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤80% – Investment IO. The +1.00% vacant-land loading is included. · Applies to loan amounts above $2.5m and up to $5m. · Applies where the security is eligible vacant land at LVR up to 80%; the +1.00% vacant-land loading is included.) | 10.44% | — | Full Doc Vacant Land (>$2.5m to $5m) – LVR ≤80% – Inv IO; Loan amount $2,500,001–$5,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — Full Doc application fee. Expat loans are Full Doc only. Excludes GST. | Upfront | $899.00 |
| Annual Fee — Charged yearly · No annual fee. 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 — Residential security: risk fee 1.25% of the loan amount. Vacant-land security up to 80% LVR: risk fee 1.25% of the loan amount. Excludes GST. | Upfront | 1.25% of balance |
| Offset Account Fee — Charged monthly · $10 per offset account per month. Up to four offset accounts are available per loan. Excludes GST. | Ongoing | $10.00 |

## Features

- **Offset account** (Up to 4 offset accounts per loan. Fee: $10 per account per month.)
- **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.)
- **Digital banking** (Internet banking, direct debits and direct credits.)
- **Full Doc only. No Alt Doc option is available for Expat loans.**
- **Up to 4 loan splits per loan. One offset account available per split.**
- **Up to 6 borrowers accepted per application.**
- **Vacant land security is available up to 80% LVR. A +1.00% rate loading and a 1.25% risk fee apply.**

## Eligibility

- **Residency status** — Australian or New Zealand citizens and Australian permanent residents meeting the overseas income criteria (Australian or New Zealand citizens, or Australian Permanent Resident Visa holders, who are living and working overseas; or who live in Australia and earn income denominated in an overseas currency. Individual, Company or Trust.)
- **Eligible countries: Canada, China, Finland, France, Germany, Hong Kong, Italy, Japan, New Zealand, Norway, Qatar (PAYG income only), Saudi Arabia (PAYG income only), Singapore, Spain, Sweden, United Kingdom, United Arab Emirates (PAYG income only), United States of America. Eligibility for other countries may be considered on application.**
- **Accommodates borrowers with some credit history impairment. Limited defaults and arrears may be accepted. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.**
- **Loan term 5–30 years. Maximum IO term 5 years.**
- **Serviceability assessment applies. See MA Money's Rate and Product Guide at mamoney.com.au for full assessment criteria.**
- **Category 1: maximum loan $5m and maximum LVR 80%. Category 2: maximum loan $2.5m and maximum LVR 80%. Category 3: maximum loan $1m and maximum LVR 70%. Separate rate bands apply to loans up to $2.5m and above $2.5m to $5m.**
- **Residential securities in Australia, subject to policy restrictions. Vacant-land security may be accepted up to 80% LVR and attracts a +1.00% rate loading and 1.25% risk fee. Completed residential or rural residential property: maximum 25 acres. High-density apartments are restricted to 80% LVR. Mixed-use zoning is acceptable where the residence is on a separate title.**
- **Full Documentation required. Income verified through recent payslips and/or tax returns. See MA Money's Rate and Product Guide at mamoney.com.au for full documentation requirements.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $5,000,000.00 (Full Doc: maximum loan amount $5m for LVR up to and including 65.00%.)
- **Maximum limit** — $5,000,000.00 (Full Doc: maximum loan amount $5m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $5,000,000.00 (Full Doc: maximum loan amount $5m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $5,000,000.00 (Full Doc: maximum loan amount $5m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $5,000,000.00 (Category 1 maximum loan amount $5m, 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** — $2,500,000.00 (Category 2 maximum loan amount $2.5m, 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: `2cb68e3e-94cb-479b-9df1-b28cdefd03b9`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/2cb68e3e-94cb-479b-9df1-b28cdefd03b9
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/2cb68e3e-94cb-479b-9df1-b28cdefd03b9) — 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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