Non-Resident Home Loan – Prime (≤$2m)
MA Money Non-Resident loan for applicants without Australian citizenship or PR. Sizes $100k–$2m. Full Doc only. Max LVR 80%. FIRB approval mandatory. Annual fee $499. No offset accounts or redraw. Term 5–30 years.
- From (owner occupied)
- 7.34%
- Variable
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Full Doc – LVR ≤65% – Owner Occupied P&I. | 7.34% | — | Full Doc – LVR ≤65% – OO P&I |
| Variable Full Doc – LVR ≤70% – Owner Occupied P&I. | 7.44% | — | Full Doc – LVR ≤70% – OO P&I |
| Variable Full Doc – LVR ≤75% – Owner Occupied P&I. | 7.64% | — | Full Doc – LVR ≤75% – OO P&I |
| Variable Full Doc – LVR ≤80% – Owner Occupied P&I. | 7.74% | — | Full Doc – LVR ≤80% – OO P&I |
Owner occupied — Interest only
| Type | Rate | Comparison |
|---|
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee Non-Resident Prime Full Doc application fee. Excludes GST. | Upfront | $499.00 |
| Annual Fee Charged yearly · Annual fee $499. All other MA Money loan products have a $0 annual fee. Excludes GST. | Ongoing | $499.00 |
| 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 Risk fee 1.00% of loan amount on all Non-Resident loans at LVR ≤80%. Excludes GST. | Upfront | 1% of balance |
Features
- Digital banking
- Internet banking, direct debits and direct credits.
- Full Doc only. No Alt Doc available for Non-Resident loans.
- FIRB approval is mandatory. Solicitor's certificate and personal credit report from country of residence required at submission.
- Offset accounts and redraw facility are not available for Non-Resident loans.
- Up to 4 loan splits per loan.
- 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.
Eligibility
- Residency status — NON_RESIDENTApplicants without Australian Citizenship or Australian Permanent Residency. Individual, Company or Trust.
- Eligible countries: Australia, Canada, China, France, Germany, Hong Kong, India, Japan, Malaysia, New Zealand, Philippines, Qatar (PAYG income only), Saudi Arabia (PAYG income only), Singapore, South Africa, South Korea, Switzerland, Taiwan, United Kingdom, United Arab Emirates (PAYG income only), United States of America, Vietnam. Eligibility for other countries may be considered on application.
- FIRB approval mandatory. Solicitor's certificate required. Personal credit report from country of residence required at submission.
- Aggregate paid defaults up to $500 may be considered. FIRB approval mandatory. 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 (Metro and Non-Metro): maximum loan $2m; maximum LVR 80%. Category 2: maximum loan $1.5m; maximum LVR 80%. Category 3: maximum loan $500k; maximum LVR 70%.
- Completed residential or rural residential property only. 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 5ba54587-e271-4fd5-8d14-67eca72b6257 · View Source Data (JSON)