---
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: 2026-08-26T05:54:01Z
---

# 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 loan. Sizes above $2.5m to $5m. Full Doc only. Maximum LVR 80%. No investor rate loading. 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 – LVR ≤65% – Owner Occupied P&I. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 7.74% | — | Full Doc – LVR ≤65% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Owner Occupied P&I.) | 8.24% | — | Full Doc – LVR ≤70% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Owner Occupied P&I.) | 8.34% | — | Full Doc – LVR ≤75% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤80% – Owner Occupied P&I.) | 8.54% | — | Full Doc – LVR ≤80% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤65% – Owner Occupied P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 8.74% | — | Full Doc Vacant Land – LVR ≤65% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – 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.) | 9.24% | — | Full Doc Vacant Land – LVR ≤70% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – 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.) | 9.34% | — | Full Doc Vacant Land – LVR ≤75% – OO P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤80% – 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 80% LVR.) | 9.54% | — | Full Doc Vacant Land – 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 – LVR ≤65% – Owner Occupied IO. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 7.94% | — | Full Doc – LVR ≤65% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Owner Occupied IO.) | 8.44% | — | Full Doc – LVR ≤70% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Owner Occupied IO.) | 8.54% | — | Full Doc – LVR ≤75% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤80% – Owner Occupied IO.) | 8.74% | — | Full Doc – LVR ≤80% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤65% – Owner Occupied IO. Vacant land security up to 75% LVR; vacant land loading +1.00% applies. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 8.94% | — | Full Doc Vacant Land – LVR ≤65% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Owner Occupied IO. 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.) | 9.44% | — | Full Doc Vacant Land – LVR ≤70% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Owner Occupied IO. 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.) | 9.54% | — | Full Doc Vacant Land – LVR ≤75% – OO IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤80% – Owner Occupied IO. 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 80% LVR.) | 9.74% | — | Full Doc Vacant Land – LVR ≤80% – OO IO; Loan amount $2,500,001–$5,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Investment P&I. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 7.74% | — | Full Doc – LVR ≤65% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Investment P&I.) | 8.24% | — | Full Doc – LVR ≤70% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment P&I.) | 8.34% | — | Full Doc – LVR ≤75% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤80% – Investment P&I.) | 8.54% | — | Full Doc – LVR ≤80% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤65% – Investment P&I. Vacant land security up to 75% LVR; vacant land loading +1.00% applies. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 8.74% | — | Full Doc Vacant Land – LVR ≤65% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Investment 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.) | 9.24% | — | Full Doc Vacant Land – LVR ≤70% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment 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.) | 9.34% | — | Full Doc Vacant Land – LVR ≤75% – Inv P&I; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤80% – Investment 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 80% LVR.) | 9.54% | — | Full Doc Vacant Land – LVR ≤80% – Inv P&I; Loan amount $2,500,001–$5,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Investment IO. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 7.94% | — | Full Doc – LVR ≤65% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Investment IO.) | 8.44% | — | Full Doc – LVR ≤70% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment IO.) | 8.54% | — | Full Doc – LVR ≤75% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤80% – Investment IO.) | 8.74% | — | Full Doc – LVR ≤80% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤65% – Investment IO. Vacant land security up to 75% LVR; vacant land loading +1.00% applies. Residential Rate Refresh promotional base rate applies to eligible new applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies where the security is vacant land. Vacant land loading +1.00% applies up to 75% LVR. · Residential Rate Refresh promotional rate applies to eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive. · Applies to this documentation and LVR tier where the rate is marked in the 26 August 2026 Residential Rate & Product Guide. Terms, conditions and lending criteria apply; MA Money may alter or withdraw the promotion.) | 8.94% | — | Full Doc Vacant Land – LVR ≤65% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Investment IO. 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.) | 9.44% | — | Full Doc Vacant Land – LVR ≤70% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment IO. 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.) | 9.54% | — | Full Doc Vacant Land – LVR ≤75% – Inv IO; Loan amount $2,500,001–$5,000,000 |
| Variable (Full Doc – LVR ≤80% – Investment IO. 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 80% LVR.) | 9.74% | — | Full Doc Vacant Land – 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 | $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 — Standard risk fee 1.00% of the loan amount applies for Expat Prime MA Money More loans secured by completed residential security. Under the Residential Rate Refresh, a 50% discount reduces this fee to 0.50% for eligible new applications submitted from 29 July to 30 September 2026. Excludes GST. · Discount −50% of fee — Residential Rate Refresh – Expat Prime MA Money More residential-security risk fee reduced to 0.50%. (eligibility: Other: Available on eligible new Residential and Expat Loan applications submitted from 29 July 2026 to 30 September 2026 inclusive.; Other: Applies to Expat Prime MA Money More Full Doc loans secured by completed residential property. The reduction does not apply to vacant land security.) | 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 80% LVR. Excludes GST. The Residential Rate Refresh risk-fee reduction does not apply to vacant land security. | 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 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 available up to 80% LVR. A +1.00% rate loading applies and the vacant land risk fee is 1.25%.**

## 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), 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 to $5m are available up to 80% LVR. Category 2 is capped at $2.5m and Category 3 at $1m, both below this product’s minimum.**
- **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. 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** — $2,500,001.00
- **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 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: `49ed2ca7-51dd-4cb5-b4c1-f12d2ba12e6f`
- Last updated by the provider: 26 August 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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)