---
title: "SMSF Residential Home Loan – Prime — 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/91bdf4c5-fb95-460f-8480-b23b3f06e50e
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:54:05Z
---

# SMSF Residential Home Loan – Prime — 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 SMSF Residential Home Loan for Self Managed Superannuation Funds. Prime credit quality. Loans from $100,000 up to $5m, with maximum 80% LVR. Available for refinance of an existing SMSF loan, or purchase of an investment property where the contract was entered into before 10 August 2026. Corporate or individual SMSF trustees accepted. Maximum 6 members. No offset or redraw facilities. Interest Only available up to 5 years. No liquidity or net asset testing.

## At a glance

- **From (investment):** 7.09% (Variable)

## Interest rates

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (SMSF – LVR ≤65% – Investment P&I.) | 7.09% | — | SMSF – LVR ≤65%; Loan amount $100,000–$5,000,000 |
| Variable (SMSF – LVR ≤70% – Investment P&I.) | 7.19% | — | SMSF – LVR ≤70%; Loan amount $100,000–$5,000,000 |
| Variable (SMSF – LVR ≤75% – Investment P&I.) | 7.29% | — | SMSF – LVR ≤75%; Loan amount $100,000–$5,000,000 |
| Variable (SMSF – LVR ≤80% – Investment P&I.) | 7.39% | — | SMSF – LVR ≤80%; Loan amount $100,000–$2,500,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (SMSF – LVR ≤65% – Investment IO. IO loading +0.20%. Maximum IO term 5 years.) | 7.29% | — | SMSF – LVR ≤65%; Loan amount $100,000–$5,000,000 |
| Variable (SMSF – LVR ≤70% – Investment IO. IO loading +0.20%. Maximum IO term 5 years.) | 7.39% | — | SMSF – LVR ≤70%; Loan amount $100,000–$5,000,000 |
| Variable (SMSF – LVR ≤75% – Investment IO. IO loading +0.20%. Maximum IO term 5 years.) | 7.49% | — | SMSF – LVR ≤75%; Loan amount $100,000–$5,000,000 |
| Variable (SMSF – LVR ≤80% – Investment IO. IO loading +0.20%. Maximum IO term 5 years.) | 7.59% | — | SMSF – LVR ≤80%; Loan amount $100,000–$2,500,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — No application fee. Excludes GST. | Upfront | $0.00 |
| Annual Fee — Charged yearly · Annual fee of $399. Charged annually on the loan anniversary date. Excludes GST. | Ongoing | $399.00 |
| Valuation Fee — Valuation fees are charged at cost and paid prior to valuation being ordered via Property Hub. AVM and Desktop valuations available for SMSF Residential subject to eligibility. Excludes GST. | Event | From $0.00 |
| Legal Fee — Legal fee from $750. Excludes GST. | Event | From $750.00 |
| Discharge Fee — Discharge fee from $550. Excludes GST. | Exit | From $550.00 |
| Risk Fee – SMSF Residential $3m to $5m — Risk fee 1.25% of the loan amount applies to SMSF Residential loans from $3m up to $5m at available LVRs up to 75%. No risk fee applies to loan amounts below $3m. Excludes GST. | Upfront | 1.25% of balance |

## Features

- **Designed for Self Managed Superannuation Funds using a bare trust (Property Trust) structure. Accepts both corporate and individual SMSF trustees. No liquidity or net asset testing required.**
- **Interest Only repayments available for up to 5 years.**
- **Offset accounts and redraw facilities are not available for SMSF loans. This is consistent with Superannuation Industry (Supervision) Act 1993 (Cth) requirements for limited recourse borrowing arrangements.**
- **Equity release and cash out are not available for SMSF loans.**

## Eligibility

- **Borrower must be an SMSF Trustee (corporate or individual trustees accepted). Property must be held on a Property Trust by a Property Trustee. The security trustee must provide a guarantee limited to the security property.**
- **Maximum 6 SMSF members — PAYG or Self-Employed. Personal guarantee from all members limited to the loan amount is required.**
- **Independent legal advice is mandatory for all SMSF Trustee borrowers and guarantors. Proof of legal advice is required prior to settlement. For refinances, prior legal advice may be accepted.**
- **Available for refinance of an existing SMSF residential loan. Purchase of an investment property is only eligible where the contract was entered into before 10 August 2026. Equity release and cash out are not available.**
- **Prime credit quality required for SMSF members. Aggregate paid defaults up to $500 may be considered. See MA Money’s SMSF Rate and Product Guide for full eligibility criteria.**
- **Serviceability assessed entirely within the SMSF — no external servicing. Debt Service Coverage Ratio (DSCR) must exceed 1.0x. No liquidity or net asset testing. 90% of rental income assessed. 100% of concessional and non-concessional contributions considered. 100% of deemed income from other investments (4% deemed return less tax). See MA Money's SMSF Rate and Product Guide at mamoney.com.au for full details.**
- **Residential property zoned residential, situated in Australia, secured by first registered mortgage. Category 1, 2 and 3 locations accepted where residential dwelling is the highest and best use and a residential valuation is held. High density apartments (more than 40 in a complex) restricted to 80% LVR. Vacant land, rural property, student accommodation, NRAS and NDIS/SDA properties are not acceptable.**
- **Loan term 5 to 30 years. Maximum Interest Only term 5 years.**
- **Category 1: maximum loan $5m. Category 2: maximum loan $1.5m. Category 3: maximum loan $500k. Maximum LVR is 80%, subject to the product’s LVR-specific loan limits and security criteria.**
- **Full Documentation required. PAYG members: two most recent payslips (dated within 45 days of application). Self-Employed members: one year personal tax return (no older than 21 months) and corresponding Notice of Assessment. SMSF income evidence: latest SMSF annual return (no older than 21 months) or most recent 12 months SMSF Cash Management Account statements. Executed SMSF Trust Deed and Security Trust Deed required. See MA Money's SMSF Rate and Product Guide at mamoney.com.au for full documentation requirements.**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan amount $100,000.)
- **Maximum limit** — $5,000,000.00 (SMSF Residential: maximum loan amount $5m for LVR up to and including 65.00%.)
- **Maximum limit** — $5,000,000.00 (SMSF Residential: maximum loan amount $5m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $5,000,000.00 (SMSF Residential: maximum loan amount $5m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $2,500,000.00 (SMSF Residential: maximum loan amount $2.5m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $5,000,000.00 (Category 1 maximum loan amount $5m, subject to the applicable product, documentation, LVR 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 limit** — $500,000.00 (Category 3 maximum loan amount $500k, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR 80%, 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/smsf-guide/)
- [Terms & conditions](https://www.mamoney.com.au/terms-conditions/)
- [Eligibility](https://www.mamoney.com.au/brokers/resources/rate-product-information/smsf-guide/)
- [Fees & pricing](https://www.mamoney.com.au/brokers/resources/rate-product-information/smsf-guide/)

## Data provenance

- Published by MA Money under the Consumer Data Right
- Product ID: `91bdf4c5-fb95-460f-8480-b23b3f06e50e`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/91bdf4c5-fb95-460f-8480-b23b3f06e50e
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/91bdf4c5-fb95-460f-8480-b23b3f06e50e) — 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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