Residential Home Loan – Prime MA Money More (>$5m to $15m)
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.
- 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% |
| Variable Full Doc ($5m–$15m) – LVR ≤70% – Owner Occupied PRINCIPAL & INTEREST. | 8.24% | — | Full Doc ($5m–$15m) – LVR ≤70% |
| Variable Alt Doc ($5m–$15m) – LVR ≤65% – Owner Occupied PRINCIPAL & INTEREST. | 8.29% | — | Alt Doc ($5m–$15m) – LVR ≤65% |
| Variable Full Doc ($5m–$15m) – LVR ≤75% – Owner Occupied PRINCIPAL & INTEREST. | 8.34% | — | Full Doc ($5m–$15m) – LVR ≤75% |
| Variable Alt Doc ($5m–$15m) – LVR ≤70% – Owner Occupied PRINCIPAL & INTEREST. | 8.79% | — |
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. |
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 available for up to 5 years unless otherwise stated. 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 — AU_NZ_PR_AND_ELIGIBLE_ENTITIESEligible individual borrowers include Australian citizens, New Zealand citizens residing in Australia, and Australian Permanent Resident Visa holders, including individuals acting as trustee. Eligible trusts include discretionary, unit and family trusts. Company borrowers, including company trustees, must be Australian-domiciled and have no more than five directors. Expat borrowers may be eligible where they meet the applicable MA Money policy and TMD criteria.
- 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.
- 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. Loans above $5m are not available in Category 2 or Category 3 postcode areas. Maximum loan at ≤65% LVR: $15m; ≤70% LVR: $10m; ≤75% LVR: $7.5m.
- Full Documentation (Full Doc): income verified through recent payslips and/or tax returns. Alternative Documentation (Alt Doc): income verified through accountant letter, business bank statements, or business activity statements. See MA Money's Rate and Product Guide at mamoney.com.au for full documentation requirements.
More Information
Published by MA Money under the Consumer Data Right · Last updated 13 July 2026 · Product ID 6ff62f42-3fcf-4a1a-846d-2f9f3478c653