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SMSF Residential Home Loan – Prime
MA Money
CDR officialNot ranked in rate tables
MA Money SMSF residential mortgage for eligible Self Managed Superannuation Funds purchasing or refinancing residential investment property.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65% or less · $100,000–$5,000,000 | Not compared in rate tables SMSFStudents | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65%–70% · $100,000–$5,000,000 | Not compared in rate tables SMSFStudents | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 70%–75% · $100,000–$5,000,000 | Not compared in rate tables SMSFStudents | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 75%–80% · $100,000–$2,500,000 | Not compared in rate tables SMSFStudents | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65% or less · $100,000–$5,000,000 | Not compared in rate tables SMSFStudents | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65%–70% · $100,000–$5,000,000 | Not compared in rate tables SMSFStudents | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70%–75% · $100,000–$5,000,000 | Not compared in rate tables SMSFStudents | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 75%–80% · $100,000–$2,500,000 | Not compared in rate tables SMSFStudents | CDR | 1 Nov 2026 | |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/91bdf4c5-fb95-460f-8480-b23b3f06e50e- Content hash
sha256 7e3cc105f8aaa144fd25983c3563f6124ba2d814e053584aabeff20a01700f0d- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_7e3cc105f8aaa144_e623ef8aShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/91bdf4c5-fb95-460f-8480-b23b3f06e50e- Content hash
sha256 7e3cc105f8aaa144fd25983c3563f6124ba2d814e053584aabeff20a01700f0d- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Annual Fee | Periodic | $399.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Legal Fee | Event | Set in your letter of offer |
| Discharge Fee | Exit | Set in your letter of offer |
| Risk Fee – SMSF Residential $3m to $5m | Upfront | 1.25% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | Interest Only repayments available for up to 5 years. | |
| Eligibility: other | Borrower must be an SMSF Trustee (corporate or individual trustees accepted). Property must be held on a Property Trust by a Property Trustee. The security trustee must provide a guarantee limited to the security property. | |
| Eligibility: other | Maximum 6 SMSF members — PAYG or Self-Employed. Personal guarantee from all members limited to the loan amount is required. | |
| Eligibility: other | Independent legal advice is mandatory for all SMSF Trustee borrowers and guarantors. Proof of legal advice is required prior to settlement. For refinances, prior legal advice may be accepted. | |
| Eligibility: other | Available for refinance of an existing SMSF residential loan. Purchase of an investment property is only eligible where the contract was entered into before 10 August 2026. Equity release and cash out are not available. | |
| Eligibility: other | Prime credit quality required for SMSF members. Aggregate paid defaults up to $500 may be considered. | |
| Eligibility: other | Serviceability assessed entirely within the SMSF — no external servicing. Debt Service Coverage Ratio (DSCR) must exceed 1.0x. No liquidity or net asset testing. 90% of rental income assessed. 100% of concessional and non-concessional contributions considered. 100% of deemed income from other investments (4% deemed return less tax). | |
| Eligibility: other | Residential property zoned residential, situated in Australia, secured by first registered mortgage. The security must be in an eligible postcode category where residential dwelling is the highest and best use and a residential valuation is held. High-density apartments are subject to a separate LVR constraint. Vacant land, rural property, student accommodation, NRAS and NDIS/SDA properties are not acceptable. | |
| Eligibility: other | Loan term 5 to 30 years. | |
| Eligibility: other | Full Documentation required. PAYG members: two most recent payslips (dated within 45 days of application). Self-Employed members: one year personal tax return (no older than 21 months) and corresponding Notice of Assessment. SMSF income evidence: latest SMSF annual return (no older than 21 months) or most recent 12 months SMSF Cash Management Account statements. Executed SMSF Trust Deed and Security Trust Deed required. | |
| Eligibility: other | Offset accounts and redraw are not available for this product. | |
| Limit: min limit | 100000.00 | |
| Limit: max limit | 2500000.00 | |
| Limit: max limit | 5000000.00 | |
| Limit: max limit | 1500000.00 | |
| Limit: max limit | 500000.00 | |
| Limit: max lvr | 0.8000 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · interest only · LVR 70%–75% · $100,000–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 75%–80% · $100,000–$2,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65% or less · $100,000–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65%–70% · $100,000–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% · $100,000–$2,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65% or less · $100,000–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70%–75% · $100,000–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65%–70% · $100,000–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:smsf | SMSF | Left out of the standard home loan table |
eligibility:student | Students | Filter; shown in the row |
comparison-rate-missing | Reason this product is not ranked | |
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