Expat Home Loan – Prime MA Money More (>$2.5m to $5m)
MA Money More Expat loan. Sizes >$2.5m to $5m. Full Doc only. Max LVR 80%. No investor rate loading. Vacant land security up to 75% LVR attracts a +1.00% rate loading and 1.25% risk fee.
- From (owner occupied)
- 7.84%
- Variable
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Full Doc – LVR ≤65% – Owner Occupied P&I. | 7.84% | — | Full Doc – LVR ≤65% – OO P&I |
| Variable Full Doc – LVR ≤70% – Owner Occupied P&I. | 8.24% | — | Full Doc – LVR ≤70% – OO P&I |
| Variable Full Doc – LVR ≤75% – Owner Occupied P&I. | 8.34% | — | Full Doc – LVR ≤75% – OO P&I |
| Variable Full Doc – LVR ≤80% – Owner Occupied P&I. | 8.54% | — | 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. | 8.84% | — |
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 More Residential Security Risk fee 1.00% of the loan amount applies for Expat Prime MA Money More loans secured by completed residential security. Excludes GST. | Upfront | 1% 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 75% LVR. Excludes GST. |
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 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), 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. See MA Money's Rate and Product Guide at mamoney.com.au for full eligibility 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 only. Loans above $2.5m are not available in Category 2 or Category 3 postcode areas. Maximum loan $5m subject to LVR limits.
- 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
More Information
Published by MA Money under the Consumer Data Right · Last updated 13 July 2026 · Product ID 49ed2ca7-51dd-4cb5-b4c1-f12d2ba12e6f · View Source Data (JSON)