Vacant Land Loan – Specialist (≤$1.5m)
MA Money Specialist Vacant Land investment loan. Sizes $100k–$1.5m. Full Doc and Alt Doc. Max LVR 75%.
- From (investment)
- 10.64%
- Variable
Interest Rates
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Full Doc – LVR ≤65% – Investment P&I. | 10.64% | — | Full Doc – LVR ≤65% – Inv P&I |
| Variable Full Doc – LVR ≤70% – Investment P&I. | 10.84% | — | Full Doc – LVR ≤70% – Inv P&I |
| Variable Full Doc – LVR ≤75% – Investment P&I. | 11.04% | — | Full Doc – LVR ≤75% – Inv P&I |
| Variable Alt Doc – LVR ≤65% – Investment P&I. | 11.09% | — | Alt Doc – LVR ≤65% – Inv P&I |
| Variable Alt Doc – LVR ≤70% – Investment P&I. | 11.29% | — | Alt Doc – LVR ≤70% – Inv P&I |
| Variable Alt Doc – LVR ≤75% – Investment P&I. |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee – Full Doc Full Doc application fee. Excludes GST. | Upfront | $899.00 |
| Application Fee – Alt Doc Alt Doc application fee. Excludes GST. | Upfront | $899.00 |
| Annual Fee Charged yearly · No annual fee for Vacant Land loans. Excludes GST. | Ongoing | $0.00 |
| Offset Account Fee Charged monthly · $10 per offset account per month. One offset account available per loan split. 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 |
Features
- 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, then reverting to principal and interest.
- Digital banking
- Internet banking, direct debits and direct credits.
- Offset account
- Offset account available. $10 per offset account per month. One offset account available per loan split.
- 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.
- Vacant residential or rural residential land only, maximum 25 acres. Land can be used as sole security. Not available for construction, development purposes, completing construction, or land with ongoing construction. Consumers are not permitted to commence construction on the land under the terms of this product. Development sites with DA approval are not acceptable security.
- Investment only. Residential Vacant Land loans are investor loans for CDR rate disclosure. Purchase, refinance, debt consolidation (excluding tax debt) and equity release/cash out may be available subject to policy, secured by vacant land only. Negative gearing is not accepted for Vacant Land loans.
- Accommodates borrowers with significant credit events including recent adverse listings, unlimited arrears and discharged bankruptcy. See MA Money's Rate and Product Guide at mamoney.com.au for full criteria.
- Product maximum is $1.5m. Category 1: maximum LVR 75%. Category 2: maximum loan $1.5m; maximum LVR 70%. Category 3: not available. Product cap applies first.
- 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.
- Loan term 5 to 40 years. A 31–40 year term is only available for eligible purchase applications where all applicants are aged 40 or under and is not available for loans over $2.5m.
Constraints
More Information
Published by MA Money under the Consumer Data Right · Last updated 13 July 2026 · Product ID c6e693c6-22c3-4003-b2da-118096a574b9 · View Source Data (JSON)