---
title: "Residential Home Loan – Prime MA Money More (>$5m to $15m) — 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/6ff62f42-3fcf-4a1a-846d-2f9f3478c653
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:53:46Z
---

# Residential Home Loan – Prime MA Money More (>$5m to $15m) — 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 residential loan for loan sizes above $5m to $15m. Full Doc and Alt Doc. Maximum LVR 75%. No investor rate loading. Risk fee 1.00% applies at LVR ≤75%. LVR-specific maximum loan sizes: ≤65% LVR: $15m; ≤70% LVR: $10m; ≤75% LVR: $7.5m.

## At a glance

- **From (owner occupied):** 7.94% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc ($5m–$15m) – LVR ≤65% – Owner Occupied PRINCIPAL & INTEREST.) | 7.94% | — | Full Doc ($5m–$15m) – LVR ≤65%; Loan amount $5,000,001–$15,000,000 |
| Variable (Full Doc ($5m–$15m) – LVR ≤70% – Owner Occupied PRINCIPAL & INTEREST.) | 8.24% | — | Full Doc ($5m–$15m) – LVR ≤70%; Loan amount $5,000,001–$10,000,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤65% – Owner Occupied PRINCIPAL & INTEREST.) | 8.29% | — | Alt Doc ($5m–$15m) – LVR ≤65%; Loan amount $5,000,001–$15,000,000 |
| Variable (Full Doc ($5m–$15m) – LVR ≤75% – Owner Occupied PRINCIPAL & INTEREST.) | 8.34% | — | Full Doc ($5m–$15m) – LVR ≤75%; Loan amount $5,000,001–$7,500,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤70% – Owner Occupied PRINCIPAL & INTEREST.) | 8.79% | — | Alt Doc ($5m–$15m) – LVR ≤70%; Loan amount $5,000,001–$10,000,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤75% – Owner Occupied PRINCIPAL & INTEREST.) | 8.89% | — | Alt Doc ($5m–$15m) – LVR ≤75%; Loan amount $5,000,001–$7,500,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc ($5m–$15m) – LVR ≤65% – Owner Occupied INTEREST_ONLY.) | 8.14% | — | Full Doc ($5m–$15m) – LVR ≤65%; Loan amount $5,000,001–$15,000,000 |
| Variable (Full Doc ($5m–$15m) – LVR ≤70% – Owner Occupied INTEREST_ONLY.) | 8.44% | — | Full Doc ($5m–$15m) – LVR ≤70%; Loan amount $5,000,001–$10,000,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤65% – Owner Occupied INTEREST_ONLY.) | 8.49% | — | Alt Doc ($5m–$15m) – LVR ≤65%; Loan amount $5,000,001–$15,000,000 |
| Variable (Full Doc ($5m–$15m) – LVR ≤75% – Owner Occupied INTEREST_ONLY.) | 8.54% | — | Full Doc ($5m–$15m) – LVR ≤75%; Loan amount $5,000,001–$7,500,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤70% – Owner Occupied INTEREST_ONLY.) | 8.99% | — | Alt Doc ($5m–$15m) – LVR ≤70%; Loan amount $5,000,001–$10,000,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤75% – Owner Occupied INTEREST_ONLY.) | 9.09% | — | Alt Doc ($5m–$15m) – LVR ≤75%; Loan amount $5,000,001–$7,500,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc ($5m–$15m) – LVR ≤65% – Investment PRINCIPAL & INTEREST.) | 7.94% | — | Full Doc ($5m–$15m) – LVR ≤65%; Loan amount $5,000,001–$15,000,000 |
| Variable (Full Doc ($5m–$15m) – LVR ≤70% – Investment PRINCIPAL & INTEREST.) | 8.24% | — | Full Doc ($5m–$15m) – LVR ≤70%; Loan amount $5,000,001–$10,000,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤65% – Investment PRINCIPAL & INTEREST.) | 8.29% | — | Alt Doc ($5m–$15m) – LVR ≤65%; Loan amount $5,000,001–$15,000,000 |
| Variable (Full Doc ($5m–$15m) – LVR ≤75% – Investment PRINCIPAL & INTEREST.) | 8.34% | — | Full Doc ($5m–$15m) – LVR ≤75%; Loan amount $5,000,001–$7,500,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤70% – Investment PRINCIPAL & INTEREST.) | 8.79% | — | Alt Doc ($5m–$15m) – LVR ≤70%; Loan amount $5,000,001–$10,000,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤75% – Investment PRINCIPAL & INTEREST.) | 8.89% | — | Alt Doc ($5m–$15m) – LVR ≤75%; Loan amount $5,000,001–$7,500,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc ($5m–$15m) – LVR ≤65% – Investment INTEREST_ONLY.) | 8.14% | — | Full Doc ($5m–$15m) – LVR ≤65%; Loan amount $5,000,001–$15,000,000 |
| Variable (Full Doc ($5m–$15m) – LVR ≤70% – Investment INTEREST_ONLY.) | 8.44% | — | Full Doc ($5m–$15m) – LVR ≤70%; Loan amount $5,000,001–$10,000,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤65% – Investment INTEREST_ONLY.) | 8.49% | — | Alt Doc ($5m–$15m) – LVR ≤65%; Loan amount $5,000,001–$15,000,000 |
| Variable (Full Doc ($5m–$15m) – LVR ≤75% – Investment INTEREST_ONLY.) | 8.54% | — | Full Doc ($5m–$15m) – LVR ≤75%; Loan amount $5,000,001–$7,500,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤70% – Investment INTEREST_ONLY.) | 8.99% | — | Alt Doc ($5m–$15m) – LVR ≤70%; Loan amount $5,000,001–$10,000,000 |
| Variable (Alt Doc ($5m–$15m) – LVR ≤75% – Investment INTEREST_ONLY.) | 9.09% | — | Alt Doc ($5m–$15m) – LVR ≤75%; Loan amount $5,000,001–$7,500,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee – Full Doc — One-off upfront fee for Full Doc applications. Excludes GST. | Upfront | $500.00 |
| Application Fee – Alt Doc — One-off upfront fee for Alt Doc applications. Excludes GST. | Upfront | $599.00 |
| Annual Fee — Charged yearly · Annual account keeping fee. Excludes GST. | Ongoing | $0.00 |
| Offset Account Fee — Charged monthly · $10 per offset account per month. Maximum 4 per loan. Excludes GST. | Ongoing | $10.00 |
| 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 applies at LVR ≤75% on all MA Money More loans above $5m. Excludes GST. | Upfront | 1% of balance |

## Features

- **Offset account** (Up to 4 offset accounts per loan (1 per loan split). 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.)
- **Interest Only repayments are generally available for up to 5 years. Residential Prime investment loans at LVR ≤80% may be considered for up to 10 years on a price-on-application basis. Interest-only loans revert to principal and interest at the end of the IO period.**
- **Digital banking** (Internet banking, direct debits and direct credits.)
- **Up to 4 loan splits per loan. One offset account available per split.**
- **Up to 6 borrowers accepted per application.**

## Eligibility

- **Residency status** — Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents (Eligible individual borrowers include Australian citizens, New Zealand citizens residing in Australia, and Australian Permanent Resident Visa holders, including individuals acting as trustee. For multiple borrowers, applications may be accepted where the majority of assessable income is from applicants meeting these residency requirements and any non-resident co-applicant contributes only minor or no income to servicing. Eligible trusts include discretionary, unit and family trusts. Company borrowers, including company trustees, must be Australian-domiciled and have no more than five directors.)
- **Prime credit quality required. Aggregate paid defaults up to $500 may be considered. No mortgage arrears, other arrears, or bankruptcy are permitted for Prime. Available to Prime-qualified borrowers only. See MA Money's Rate and Product Guide at mamoney.com.au for full eligibility criteria.**
- **Owner Occupied or Investment. Purchase, refinance, cash out, or debt consolidation. ATO debt and private loan debt cannot be consolidated for Prime loans. Cash out from private lenders is capped at $200,000.**
- **Loan term 5 to 30 years for loans above $2.5m. The 31–40 year extended term is not available for loans over $2.5m.**
- **Serviceability assessment applies. See MA Money's Rate and Product Guide at mamoney.com.au for full assessment criteria.**
- **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.**
- **Prime credit tier only — MA Money More is available exclusively to Prime-qualified borrowers. Same credit and income eligibility as Residential Home Loan – Prime. Loan term up to 30 years.**
- **Category 1 only. Maximum loan at LVR ≤65% is $15m; at LVR ≤70% is $10m; and at LVR ≤75% is $7.5m.**
- **Full Documentation: PAYG applicants provide the last two payslips dated within 45 days or three months of bank statements showing salary credits; self-employed applicants provide one year Company/Trust and Personal Tax Returns with corresponding Notice of Assessment, none older than 21 months. Simplified self-employed verification for eligible company directors uses three months of salary credits and the last financial-year ATO income statement. Alternative Documentation uses a Declaration of Financial Position and one of an Accountant Letter, the last two BAS, or six months of business bank statements. Prime generally requires ABN over 24 months and GST registration over 12 months.**

## Constraints

- **Minimum limit** — $5,000,001.00 (Minimum loan $5,000,001. Loans >$2.5m to $5m see Residential Home Loan – Prime Large (>$2.5m to $5m).)
- **Maximum limit** — $15,000,000.00 (Alt Doc: maximum loan amount $15m for LVR up to and including 65.00%.)
- **Maximum limit** — $15,000,000.00 (Full Doc: maximum loan amount $15m for LVR up to and including 65.00%.)
- **Maximum limit** — $10,000,000.00 (Alt Doc: maximum loan amount $10m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $10,000,000.00 (Full Doc: maximum loan amount $10m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $7,500,000.00 (Alt Doc: maximum loan amount $7.5m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $7,500,000.00 (Full Doc: maximum loan amount $7.5m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $15,000,000.00 (Category 1 maximum loan amount $15m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 75% (Category 1 maximum LVR 75%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 75% (Absolute product maximum LVR 75%, 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: `6ff62f42-3fcf-4a1a-846d-2f9f3478c653`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/6ff62f42-3fcf-4a1a-846d-2f9f3478c653
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/6ff62f42-3fcf-4a1a-846d-2f9f3478c653) — 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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