---
title: "Non-Resident Home Loan – Prime (≤$2m) — 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/5ba54587-e271-4fd5-8d14-67eca72b6257
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:54:04Z
---

# Non-Resident Home Loan – Prime (≤$2m) — 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 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.

## At a glance

- **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; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤70% – Owner Occupied P&I.) | 7.44% | — | Full Doc – LVR ≤70% – OO P&I; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Owner Occupied P&I.) | 7.64% | — | Full Doc – LVR ≤75% – OO P&I; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤80% – Owner Occupied P&I.) | 7.74% | — | Full Doc – LVR ≤80% – OO P&I; Loan amount $100,000–$2,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Owner Occupied IO.) | 7.54% | — | Full Doc – LVR ≤65% – OO IO; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤70% – Owner Occupied IO.) | 7.64% | — | Full Doc – LVR ≤70% – OO IO; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Owner Occupied IO.) | 7.84% | — | Full Doc – LVR ≤75% – OO IO; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤80% – Owner Occupied IO.) | 7.94% | — | Full Doc – LVR ≤80% – OO IO; Loan amount $100,000–$2,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Investment P&I.) | 7.64% | — | Full Doc – LVR ≤65% – Inv P&I; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤70% – Investment P&I.) | 7.74% | — | Full Doc – LVR ≤70% – Inv P&I; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment P&I.) | 7.94% | — | Full Doc – LVR ≤75% – Inv P&I; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤80% – Investment P&I.) | 8.04% | — | Full Doc – LVR ≤80% – Inv P&I; Loan amount $100,000–$2,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Investment IO.) | 7.84% | — | Full Doc – LVR ≤65% – Inv IO; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤70% – Investment IO.) | 7.94% | — | Full Doc – LVR ≤70% – Inv IO; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment IO.) | 8.14% | — | Full Doc – LVR ≤75% – Inv IO; Loan amount $100,000–$2,000,000 |
| Variable (Full Doc – LVR ≤80% – Investment IO.) | 8.24% | — | Full Doc – LVR ≤80% – Inv IO; Loan amount $100,000–$2,000,000 |

## 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** — Applicants who are not Australian citizens or Australian permanent residents (Applicants 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: maximum loan $2m and maximum LVR 80%. Category 2: maximum loan $1.5m and maximum LVR 75%. Category 3 and uncategorised postcodes are unavailable.**
- **Residential securities in Australia, subject to policy restrictions. Category 3 and uncategorised postcodes are unacceptable. High-density apartments are restricted to 75% LVR. Completed residential or rural residential property: maximum 25 acres. Mixed-use zoning is acceptable where the residence is on a separate title.**
- **Full Documentation required. PAYG applicants provide the last two payslips dated within 45 days or three months of bank statements showing salary credits. Self-employed applicants provide at least two supporting income documents from: the latest business tax return, latest personal tax return, one year financial statements, three months business bank statements, or three months personal bank statements showing regular business distributions or credits.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $2,000,000.00 (Full Doc: maximum loan amount $2m for LVR up to and including 65.00%.)
- **Maximum limit** — $2,000,000.00 (Full Doc: maximum loan amount $2m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $2,000,000.00 (Full Doc: maximum loan amount $2m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $2,000,000.00 (Full Doc: maximum loan amount $2m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $2,000,000.00 (Category 1 maximum loan amount $2m, 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 limit** — $1,500,000.00 (Category 2 maximum loan amount $1.5m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 75% (Category 2 maximum LVR 75%, 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.)
- **Maximum LVR** — 75% (High-density apartments: maximum LVR 75%.)

## 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: `5ba54587-e271-4fd5-8d14-67eca72b6257`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/5ba54587-e271-4fd5-8d14-67eca72b6257
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/5ba54587-e271-4fd5-8d14-67eca72b6257) — 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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