Expat Home Loan – Near Prime (≤$2m)
MA Money Near Prime Expat loan. Sizes $100k–$2m. Full Doc only. Max LVR 80%. Term 5–30 years. Vacant land security up to 75% LVR attracts a +1.00% rate loading and 1.25% risk fee.
- From (owner occupied)
- 7.74%
- Variable
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Full Doc – LVR ≤65% – Owner Occupied P&I. | 7.74% | — | Full Doc – LVR ≤65% – OO P&I |
| Variable Full Doc – LVR ≤70% – Owner Occupied P&I. | 7.84% | — | Full Doc – LVR ≤70% – OO P&I |
| Variable Full Doc – LVR ≤75% – Owner Occupied P&I. | 7.94% | — | Full Doc – LVR ≤75% – OO P&I |
| Variable Full Doc – LVR ≤80% – Owner Occupied P&I. | 8.04% | — | Full Doc – LVR ≤80% – OO P&I |
| Variable Full Doc – LVR ≤65% – Owner Occupied P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies. · Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR. | 8.74% | — |
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 loan amount. Vacant land security (up to 75% LVR): risk fee 1.25% of loan amount. Excludes GST. | Upfront | 1.25% of balance |
Features
- Offset account
- Up to 4 offset accounts per loan. Fee: $10/month per account.
- 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 available for Expat loans.
- Up to 4 loan splits per loan. One offset account available per split.
- Up to 6 borrowers accepted per application.
Eligibility
- Residency status — EXPAT_AUSTRALIANAustralian citizens or Australian Permanent Resident Visa holders living overseas, or living in Australia and earning income 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. 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.
- Product maximum is $2m. Category 1: maximum LVR 80%. Category 2: maximum loan $1.5m; maximum LVR 80%. Category 3: maximum loan $500k; maximum LVR 70%. Postcode category may further restrict availability.
- Residential securities in Australia, subject to policy restrictions. Vacant land security may be accepted up to 75% LVR and attracts a +1.00% rate loading and 1.25% risk fee. Completed residential or rural residential property: maximum 25 acres. Apartments: minimum 50m2 including balcony and car space, or 40m2 living area with no balcony/car space. High-density apartments (40+ units in complex): maximum 80% LVR. Maximum 6 residential properties on one title. Mixed-use zoning acceptable where 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
More Information
Published by MA Money under the Consumer Data Right · Last updated 13 July 2026 · Product ID 2cb68e3e-94cb-479b-9df1-b28cdefd03b9 · View Source Data (JSON)