---
title: "Commercial Loan – Prime Large (>$4m to $8m) — MA Money"
description: "Business 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/f199dbfc-8400-4adf-8724-01485bd57b4f
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-09T00:20:50Z
---

# Commercial Loan – Prime Large (>$4m to $8m) — MA Money

> Business Loans from MA Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans · MA Money Financial Services Pty Ltd**

MA Money Prime commercial mortgage for loan amounts above $4m to $8m, available under Full Documentation and Alternative Documentation pathways.

## At a glance

- **From (owner occupied):** 8.79% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Available under Full Documentation.) | 9.09% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Available under Alternative Documentation.) | 9.44% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$6,000,000 |
| Variable (Available under Alternative Documentation.) | 9.54% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$6,000,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Available under Full Documentation.) | 9.09% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Available under Alternative Documentation.) | 9.44% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$6,000,000 |
| Variable (Available under Alternative Documentation.) | 9.54% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$6,000,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Available under Full Documentation.) | 9.09% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Available under Alternative Documentation.) | 9.44% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$6,000,000 |
| Variable (Available under Alternative Documentation.) | 9.54% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$6,000,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Available under Full Documentation.) | 9.09% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Available under Alternative Documentation.) | 9.44% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$6,000,000 |
| Variable (Available under Alternative Documentation.) | 9.54% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$6,000,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — Application fee $899. Excludes GST. | Upfront | $899.00 |
| Monthly Fee — Charged monthly · Monthly fee $25. Excludes GST. | Ongoing | $25.00 |
| Offset Account Fee — Charged monthly · No fee to hold an offset account. Excludes GST. | Ongoing | $0.00 |
| Valuation Fee — Valuation fees are charged at cost and paid prior to valuation being ordered via Property Hub. Full valuations only for commercial loans. Excludes GST. | Event | From $0.00 |
| Legal Fee — Legal fee from $750. Excludes GST. | Event | From $750.00 |
| Discharge Fee — Discharge fee from $500. Excludes GST. | Exit | From $500.00 |
| Early Repayment Fee — 2% of the original loan amount if the loan is fully repaid within the first 3 years. No early repayment fee after 3 years. Excludes GST. | Exit | 2% of balance |
| Risk Fee – Full Doc — Risk fee 0.85% of the loan amount applies to Full Doc Prime Large Commercial Loans at all available LVRs. Excludes GST. | Upfront | 0.85% of balance |
| Risk Fee – Alt Doc — Risk fee 1.00% of the loan amount applies to Alt Doc Prime Large Commercial Loans at all available LVRs. Excludes GST. | Upfront | 1% of balance |

## Features

- **Offset account** (Up to four offset accounts are available.)
- **Redraw facility** (Redraw facility available.)
- **Digital banking** (Customer portal, direct debits and direct credits available.)
- **Up to 4 loan splits per loan.**
- **Interest Only available up to 10 years. on commercial loans — IO rate equals P&I rate.**
- **No annual review or revaluations required.**
- **No clawbacks on commercial loans.**

## Eligibility

- **Available to companies, trusts and individuals. Up to 6 borrowers. Loan purpose must be predominantly (>50%) for business purposes. A signed Business Purpose Declaration is required, confirming acknowledgment of non-NCCP coverage.**
- **Prime credit quality required. Aggregate paid defaults up to $1,000 may be considered. Mortgage arrears, other arrears and bankruptcy are not accepted under Prime. Lease Doc and Light Doc are not available above $4m.**
- **Minimum Debt Service Coverage Ratio (DSCR) > 1.0x. Buffer rate +2.01% applied. IO loans assessed on P&I basis over remaining term. Lease Doc: Interest Coverage Ratio (ICR) ≥ 1.2x.**
- **ABN must be held for more than 24 months and GST registration for more than 12 months.**
- **Commercial property zoned commercial or similar, situated in Australia, secured by first registered mortgage. Acceptable types: retail shops, offices, light industrial and warehouses. Maximum 25 acres. Mixed use acceptable where predominantly commercial use and commercial valuation is held. Vacant land security is not available under this product.**
- **Loan term 5 to 30 years. Interest Only available up to 10 years.**
- **Residency status** — Australian-based borrowers (Expat Commercial lending is capped at $2m and is not available under this product.)
- **Full Documentation (Full Doc): 1 year company/trust and personal tax returns. Alternative Documentation (Alt Doc): Declaration of Financial Position plus accountant letter, last 2 BAS, or 6 months business bank statements. Lease Doc and Light Doc are not available above $4m. PAYG Full Doc: last 2 payslips.**
- **Cash out to maximum LVR available.**
- **Business debt consolidation is available to the maximum LVR. ATO debt and private-loan debt cannot be consolidated under Prime Commercial.**

## Constraints

- **Minimum limit** — $4,000,001.00 (Loans ≤$4m see Commercial Loan – Prime (≤$4m).)
- **Maximum limit** — $6,000,000.00 (Alt Doc; applies at LVR up to and including 70%.)
- **Maximum limit** — $7,000,000.00 (Full Doc; applies at LVR greater than 65% and up to and including 70%.)
- **Maximum limit** — $8,000,000.00 (Full Doc; applies at LVR up to and including 65%.)
- **Maximum LVR** — 70% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)
- **Available in Category 1 postcodes only.**
- **Vacant land security is not available under this product.**

## More information from MA Money

- [Overview](https://www.mamoney.com.au/brokers/resources/rate-product-information/commercial-rate-product-guide/)
- [Terms & conditions](https://www.mamoney.com.au/terms-conditions/)
- [Eligibility](https://www.mamoney.com.au/brokers/resources/rate-product-information/commercial-rate-product-guide/)
- [Fees & pricing](https://www.mamoney.com.au/brokers/resources/rate-product-information/commercial-rate-product-guide/)

## Data provenance

- Published by MA Money under the Consumer Data Right
- Product ID: `f199dbfc-8400-4adf-8724-01485bd57b4f`
- Last updated by the provider: 9 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/f199dbfc-8400-4adf-8724-01485bd57b4f
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/f199dbfc-8400-4adf-8724-01485bd57b4f) — 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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