---
title: "Expat Home Loan – Prime MA Money More (>$2.5m to $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/49ed2ca7-51dd-4cb5-b4c1-f12d2ba12e6f
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:20:44Z
---

# Expat Home Loan – Prime MA Money More (>$2.5m to $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 More Expat residential mortgage for eligible borrowers with overseas income and loan amounts above $2.5m to $5m, 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 $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.54% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.69% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.94% | — | 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.) | 9.04% | — | 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.) | 9.54% | — | 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.) | 9.69% | — | 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.) | 9.94% | — | 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 $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.74% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.89% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 9.14% | — | 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.) | 9.24% | — | 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.) | 9.74% | — | 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.) | 9.89% | — | 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.) | 10.14% | — | 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.) | 8.04% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.54% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.69% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.94% | — | 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.) | 9.04% | — | 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.) | 9.54% | — | 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.) | 9.69% | — | 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.) | 9.94% | — | 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.) | 8.24% | — | Loan-to-value ratio ≤65%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.74% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.89% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,500,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 9.14% | — | 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.) | 9.24% | — | 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.) | 9.74% | — | 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.) | 9.89% | — | 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.) | 10.14% | — | 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 | $500.00 |
| 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 – Expat Prime MA Money More Residential Security — Risk fee 0.50% of the loan amount applies for Expat Prime MA Money More loans secured by completed residential property. Excludes GST. | Upfront | 0.5% of balance |
| Risk Fee – Expat Prime More Vacant Land Security — Risk fee 1.25% of the loan amount applies for Expat Prime MA Money More loans secured by vacant land, available up to 80% LVR. 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), USA. Eligibility for other countries may be considered on application.**
- **Expat Prime credit quality required. Aggregate paid defaults up to $500 may be considered. No mortgage arrears, other arrears, or bankruptcy are permitted for Expat Prime.**
- **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. 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 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** — $2,500,001.00
- **Maximum limit** — $5,000,000.00 (Full Doc; applies at LVR up to and including 80%.)
- **Maximum LVR** — 80% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)
- **Available in Category 1 postcodes only.**

## 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: `49ed2ca7-51dd-4cb5-b4c1-f12d2ba12e6f`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/49ed2ca7-51dd-4cb5-b4c1-f12d2ba12e6f
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/49ed2ca7-51dd-4cb5-b4c1-f12d2ba12e6f) — 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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