---
title: "Vacant Land Loan – Prime MA Money More (>$2m to $5m) — 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/e3bab72b-8164-4af0-8dea-94f15655f9b2
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:20:36Z
---

# Vacant Land Loan – Prime MA Money More (>$2m to $5m) — 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 vacant-land mortgage for investment loan amounts above $2m to $5m, available under Full Documentation and Alternative Documentation pathways.

## At a glance

- **From (investment):** 8.44% (Variable)

## Interest rates

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.44% | — | Loan-to-value ratio ≤65%; Loan amount $2,000,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.44% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,000,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.59% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,000,001–$3,000,000 |
| Variable (Available under Alternative Documentation.) | 8.65% | — | Loan-to-value ratio ≤65%; Loan amount $2,000,001–$5,000,000 |
| Variable (Available under Alternative Documentation.) | 8.75% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,000,001–$5,000,000 |
| Variable (Available under Alternative Documentation.) | 8.9% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,000,001–$3,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.64% | — | Loan-to-value ratio ≤65%; Loan amount $2,000,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.64% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,000,001–$5,000,000 |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,000,001–$3,000,000 |
| Variable (Available under Alternative Documentation.) | 8.85% | — | Loan-to-value ratio ≤65%; Loan amount $2,000,001–$5,000,000 |
| Variable (Available under Alternative Documentation.) | 8.95% | — | Loan-to-value ratio 65.01–70%; Loan amount $2,000,001–$5,000,000 |
| Variable (Available under Alternative Documentation.) | 9.1% | — | Loan-to-value ratio 70.01–75%; Loan amount $2,000,001–$3,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee – Full Doc — Full Doc application fee. Excludes GST. | Upfront | $500.00 |
| Application Fee – Alt Doc — Alt Doc application fee. Excludes GST. | Upfront | $599.00 |
| 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 | From $550.00 |
| Risk Fee — Risk fee 1.25% of the loan amount applies to all Vacant Land loans at LVR up to 75%. Excludes GST. | Upfront | 1.25% of balance |

## 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** (One offset account is available per loan split.)
- **Up to 4 loan splits per loan. One offset account available per split.**

## Eligibility

- **Residency status** — Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents (Eligible Expat borrowers may also apply subject to the applicable MA Money policy.)
- **Vacant residential or rural residential land only, maximum 25 acres. Investment-purpose lending only. Not available for construction, development purposes, completing construction, land with ongoing construction, or development sites with DA approval.**
- **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.**
- **Prime credit quality required.**
- **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.**
- **Loan term 5 to 40 years, subject to product and loan-size conditions. 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; loans above $2.5m have a maximum 30 year term.**
- **Eligible borrower structures include individuals, eligible trusts and Australian-domiciled companies, subject to applicable ownership and director requirements.**
- **Up to six borrowers may be accepted per application.**

## Constraints

- **Minimum limit** — $2,000,001.00 (Loans up to $2m are disclosed under Vacant Land Loan – Prime.)
- **Maximum limit** — $3,000,000.00 (Full Doc and Alt Doc; applies at LVR greater than 70% and up to and including 75%.)
- **Maximum limit** — $5,000,000.00 (Full Doc and Alt Doc; applies at LVR up to and including 70%.)
- **Maximum LVR** — 75% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)
- **Available in Category 1 postcodes only.**

## 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: `e3bab72b-8164-4af0-8dea-94f15655f9b2`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/e3bab72b-8164-4af0-8dea-94f15655f9b2
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/e3bab72b-8164-4af0-8dea-94f15655f9b2) — 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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