---
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: 2026-10-09T00:20:48Z
---

# 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 mortgage for eligible Self Managed Superannuation Funds purchasing or refinancing residential investment property.

## At a glance

- **From (investment):** 7.34% (Variable)

## Interest rates

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.34% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$5,000,000 |
| Variable (Available under Full Documentation.) | 7.34% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$5,000,000 |
| Variable (Available under Full Documentation.) | 7.54% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$5,000,000 |
| Variable (Available under Full Documentation.) | 7.54% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.54% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$5,000,000 |
| Variable (Available under Full Documentation.) | 7.54% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$5,000,000 |
| Variable (Available under Full Documentation.) | 7.74% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$5,000,000 |
| Variable (Available under Full Documentation.) | 7.74% | — | Loan-to-value ratio 75.01–80%; 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 $1,250. Excludes GST. | Event | From $1,250.00 |
| 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

- **Interest Only repayments available for up to 5 years.**

## 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.**
- **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).**
- **Residential property zoned residential, situated in Australia, secured by first registered mortgage. The security must be in an eligible postcode category where residential dwelling is the highest and best use and a residential valuation is held. High-density apartments are subject to a separate LVR constraint. Vacant land, rural property, student accommodation, NRAS and NDIS/SDA properties are not acceptable.**
- **Loan term 5 to 30 years.**
- **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.**
- **Offset accounts and redraw are not available for this product.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $2,500,000.00 (SMSF Residential; applies at LVR greater than 75% and up to and including 80%.)
- **Maximum limit** — $5,000,000.00 (SMSF Residential; applies at LVR up to and including 75%.)
- **Maximum limit** — $1,500,000.00 (Category 2 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum limit** — $500,000.00 (Category 3 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.)

## 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: 9 October 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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