---
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: 2026-10-09T00:20:46Z
---

# 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 residential mortgage for eligible borrowers with overseas income, available under Full Documentation.

## At a glance

- **From (owner occupied):** 8.04% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.04% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.14% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.29% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.44% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.94% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.04% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.14% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.24% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.29% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.39% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.44% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.64% | — | Loan-to-value ratio 75.01–80%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.94% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.24% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.39% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.64% | — | Loan-to-value ratio 75.01–80%; Loan amount $2,500,001–$5,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.24% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.34% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.49% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.64% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.14% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.24% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.34% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.44% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.49% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.59% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.64% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.84% | — | Loan-to-value ratio 75.01–80%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.14% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.44% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.59% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.84% | — | Loan-to-value ratio 75.01–80%; Loan amount $2,500,001–$5,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.34% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.44% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.59% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.74% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.94% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 9.24% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.34% | — | 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 $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.44% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,500,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.59% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.64% | — | Loan-to-value ratio 75.01–80%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.74% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.94% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.24% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.39% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.64% | — | Loan-to-value ratio 75.01–80%; Loan amount $2,500,001–$5,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.54% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.64% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 8.94% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.14% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 9.44% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.54% | — | 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 $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.64% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,500,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.79% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,500,000 |
| Variable (Available under Full Documentation.) | 9.84% | — | Loan-to-value ratio 75.01–80%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 9.94% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.14% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.44% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.59% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Applies where the security is eligible vacant land. · Available under Full Documentation.) | 10.84% | — | Loan-to-value ratio 75.01–80%; 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 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.)
- **Digital banking** (Internet banking, direct debits and direct credits.)
- **Up to 4 loan splits per loan. One offset account available per split.**

## Eligibility

- **Residency status** — Australian or New Zealand citizens and Australian permanent residents meeting the overseas income criteria (Applicants may live and work overseas, or live in Australia and earn income denominated in an overseas currency.)
- **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.**
- **Loan term 5–30 years. Maximum IO term 5 years.**
- **Residential securities in Australia, subject to policy restrictions. Vacant land security may be accepted subject to the applicable rate, risk-fee and LVR conditions. Completed residential or rural residential property: maximum 25 acres. High-density apartments are subject to a separate LVR constraint. 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.**
- **Eligible borrower structures include individuals, companies and trusts.**
- **Up to six borrowers may be accepted per application.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $5,000,000.00 (Full Doc; applies at LVR up to and including 80%.)
- **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** — 80% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)
- **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: `2cb68e3e-94cb-479b-9df1-b28cdefd03b9`
- Last updated by the provider: 9 October 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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