Commercial Loan – Prime Large (>$4m to $8m)
MA Money Commercial Loan for Prime-qualified business borrowers seeking larger loan sizes. Loans above $4m to $8m. Maximum LVR 70%. Full Doc and Alt Doc available. Suitable for retail shops, offices, light industrial and warehouses. Risk fee is 0.85% for Full Doc and 1.00% for Alt Doc at available LVRs. Interest Only up to 10 years.
- From (owner occupied)
- 8.49%
- Variable
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Full Doc (>$4m to $8m) – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans. | 8.49% | — | Full Doc (>$4m to $8m) – LVR ≤65% |
| Variable Full Doc (>$4m to $8m) – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans. | 8.79% | — | Full Doc (>$4m to $8m) – LVR ≤70% |
| Variable Alt Doc (>$4m to $8m) – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans. | 9.14% | — | Alt Doc (>$4m to $8m) – LVR ≤65% |
| Variable Alt Doc (>$4m to $8m) – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans. | 9.24% | — | Alt Doc (>$4m to $8m) – LVR ≤70% |
Owner occupied — Interest only
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee Application fee $899. Excludes GST. | Upfront | $899.00 |
| Monthly Fee Charged monthly · Monthly fee of $25. Charged on the loan anniversary date each month. 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. |
Features
- Offset account
- Up to 4 offset accounts per loan (1 per split). No offset account fee.
- Redraw facility
- Redraw facility available.
- Digital banking
- Internet banking, direct debits and direct credits available.
- Up to 4 loan splits per loan.
- Interest Only available up to 10 years. No IO loading on commercial loans — IO rate equals P&I rate.
- No annual review or revaluations required.
- No clawbacks on commercial loans.
- Cash out to maximum LVR available.
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. Same credit and income eligibility as Commercial Loan – Prime (≤$4m). Lease Doc and Light Doc not available above $4m. See MA Money's Commercial Rate and Product Guide at mamoney.com.au for full criteria.
- 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. See MA Money's Commercial Rate and Product Guide for full serviceability criteria.
- Prime: ABN > 24 months; GST registration > 12 months. Near Prime: ABN > 12 months; GST registration > 6 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 is not available under this $4m-$8m product because Commercial vacant land is capped at $2m, 65% LVR and Category 1 only.
- Loan term 5 to 30 years. Interest Only available up to 10 years.
- Category 1 only for this >$4m to $8m product. Category 2 maximum loan is $3m and Category 3 maximum loan is $500k, which are below this product’s $4m minimum; use Commercial Loan - Prime (<= $4m) where relevant.
- 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. See MA Money's Commercial Rate and Product Guide at mamoney.com.au for full details.
Constraints
More Information
Published by MA Money under the Consumer Data Right · Last updated 13 July 2026 · Product ID f199dbfc-8400-4adf-8724-01485bd57b4f · View Source Data (JSON)