---
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: 2026-08-26T05:53:53Z
---

# 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 loan for investment purposes. Loan sizes above $2m to $5m. Full Doc and Alt Doc. Maximum LVR 75%. No clawbacks. Risk fee 1.25%.

## At a glance

- **From (investment):** 8.14% (Variable)

## Interest rates

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Investment P&I.) | 8.14% | — | Full Doc – LVR ≤65% – Inv P&I; Loan amount $2,000,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Investment P&I.) | 8.14% | — | Full Doc – LVR ≤70% – Inv P&I; Loan amount $2,000,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment P&I.) | 8.24% | — | Full Doc – LVR ≤75% – Inv P&I; Loan amount $2,000,001–$3,000,000 |
| Variable (Alt Doc – LVR ≤65% – Investment P&I.) | 8.35% | — | Alt Doc – LVR ≤65% – Inv P&I; Loan amount $2,000,001–$5,000,000 |
| Variable (Alt Doc – LVR ≤70% – Investment P&I.) | 8.45% | — | Alt Doc – LVR ≤70% – Inv P&I; Loan amount $2,000,001–$5,000,000 |
| Variable (Alt Doc – LVR ≤75% – Investment P&I.) | 8.55% | — | Alt Doc – LVR ≤75% – Inv P&I; Loan amount $2,000,001–$3,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Full Doc – LVR ≤65% – Investment IO.) | 8.34% | — | Full Doc – LVR ≤65% – Inv IO; Loan amount $2,000,001–$5,000,000 |
| Variable (Full Doc – LVR ≤70% – Investment IO.) | 8.34% | — | Full Doc – LVR ≤70% – Inv IO; Loan amount $2,000,001–$5,000,000 |
| Variable (Full Doc – LVR ≤75% – Investment IO.) | 8.44% | — | Full Doc – LVR ≤75% – Inv IO; Loan amount $2,000,001–$3,000,000 |
| Variable (Alt Doc – LVR ≤65% – Investment IO.) | 8.55% | — | Alt Doc – LVR ≤65% – Inv IO; Loan amount $2,000,001–$5,000,000 |
| Variable (Alt Doc – LVR ≤70% – Investment IO.) | 8.65% | — | Alt Doc – LVR ≤70% – Inv IO; Loan amount $2,000,001–$5,000,000 |
| Variable (Alt Doc – LVR ≤75% – Investment IO.) | 8.75% | — | Alt Doc – LVR ≤75% – Inv IO; 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** ($10 per offset account per month. One offset account is 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** — Australian citizens, New Zealand citizens residing in Australia, and Australian permanent residents (Eligible 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. 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. See MA Money's Rate and Product Guide at mamoney.com.au for full eligibility criteria.**
- **Category 1 only. Maximum loan $5m at LVR up to 70% and $3m at LVR up to 75%. Category 2 is capped at $2m, which is below this product’s minimum; Category 3 is unavailable.**
- **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, 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.**

## Constraints

- **Minimum limit** — $2,000,001.00 (Minimum loan is $2,000,001. Loans up to $2m are disclosed under Vacant Land Loan – Prime.)
- **Maximum limit** — $5,000,000.00 (Alt Doc: maximum loan amount $5m for LVR up to and including 65.00%.)
- **Maximum limit** — $5,000,000.00 (Full Doc: maximum loan amount $5m for LVR up to and including 65.00%.)
- **Maximum limit** — $5,000,000.00 (Alt Doc: maximum loan amount $5m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $5,000,000.00 (Full Doc: maximum loan amount $5m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $3,000,000.00 (Alt Doc: maximum loan amount $3m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $3,000,000.00 (Full Doc: maximum loan amount $3m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $5,000,000.00 (Category 1 maximum loan amount $5m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 75% (Category 1 maximum LVR 75%, subject to the applicable product, loan amount, documentation and security restrictions.)
- **Maximum LVR** — 75% (Absolute product maximum LVR 75%, 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/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: 26 August 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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