---
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: 2026-10-09T00:20:47Z
---

# 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 residential investment mortgage for eligible non-resident borrowers, available under Full Documentation.

## At a glance

- **From (owner occupied):** 7.64% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.64% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.74% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.99% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.14% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.84% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 7.94% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.19% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.34% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.94% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.04% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.29% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.44% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.14% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.24% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.49% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$2,000,000 |
| Variable (Available under Full Documentation.) | 8.64% | — | Loan-to-value ratio 75.01–80%; 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.)
- **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.)

## Eligibility

- **Residency status** — Applicants who are not Australian citizens or Australian permanent residents
- **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.**
- **Loan term 5–30 years. Maximum IO term 5 years.**
- **Residential securities in Australia, subject to policy restrictions. High-density apartments are subject to a separate LVR constraint. 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.**
- **Eligible borrower structures include individuals, companies and trusts. The loan purpose must be investment.**
- **Offset accounts and redraw are not available for this product.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $2,000,000.00 (Full Doc; applies at LVR up to and including 80%.)
- **Maximum limit** — $1,500,000.00 (Category 2 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)
- **Maximum LVR** — 75% (Applies to high-density apartments.)
- **Maximum LVR** — 75% (Category 2 maximum LVR; subject to product, loan amount, documentation and security restrictions.)
- **Category 3 and uncategorised postcodes are not eligible.**

## 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: 9 October 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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