Home loan rates › MA Money
Residential Home Loan – Prime Large (>$2.5m to $5m)
MA Money
CDR officialNot ranked in rate tables
MA Money Prime residential mortgage for loan amounts above $2.5m to $5m, available for owner-occupied or investment purposes under Full Documentation and Alternative Documentation pathways.
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 · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65% or less · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65%–70% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65%–70% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 70%–75% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 70%–75% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 75%–80% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 75%–80% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65% or less · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65% or less · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65%–70% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65%–70% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70%–75% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70%–75% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 75%–80% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 75%–80% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65% or less · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65% or less · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65%–70% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65%–70% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 70%–75% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 70%–75% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 75%–80% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 75%–80% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65% or less · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65% or less · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65%–70% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65%–70% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 70%–75% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 70%–75% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 75%–80% · $2,500,001–$5,000,000 | Not compared in rate tables | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 75%–80% · $2,500,001–$5,000,000 | Not compared in rate tables | 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/db5d7668-7dd3-460c-a40f-028c0b66ca2d- Content hash
sha256 3fdd6f4648e95cd32b2d4c63626218d175c1ea3dc936b43e7c3cbc157d4caa00- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_3fdd6f4648e95cd3_e05cd5dcShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/db5d7668-7dd3-460c-a40f-028c0b66ca2d- Content hash
sha256 3fdd6f4648e95cd32b2d4c63626218d175c1ea3dc936b43e7c3cbc157d4caa00- 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 – Full Doc | Upfront | $500.00 |
| Application Fee – Alt Doc | Upfront | $599.00 |
| Annual Fee | Periodic | $0.00 |
| Offset Account Fee | Periodic | $10.00 |
| 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 – Prime Large >$3m to $5m | Upfront | 1.00% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Offset | Up to four offset accounts are available. | |
| Redraw | 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. | |
| Other | Interest Only repayments are generally available for up to 5 years. Residential Prime investment loans at LVR ≤80% may be considered for up to 10 years on a price-on-application basis. Interest-only loans revert to principal and interest at the end of the IO period. | |
| Digital banking | Internet banking, direct debits and direct credits. | |
| Other | 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 | For multiple applicants, the majority of assessable income must be from applicants meeting these residency requirements; any non-resident co-applicant may contribute only minor or no income to servicing. |
| Eligibility: other | Prime credit quality required. Aggregate paid defaults up to $500 may be considered. No mortgage arrears, other arrears, or bankruptcy are permitted for Prime. | |
| Eligibility: other | Owner Occupied or Investment. Purchase, refinance, cash out, or debt consolidation. ATO debt and private loan debt cannot be consolidated for Prime loans. Cash out from private lenders is capped at $200,000. | |
| Eligibility: other | Loan term 5 to 30 years for loans above $2.5m. The 31–40 year extended term is not available for loans over $2.5m. | |
| Eligibility: other | Completed residential or rural residential property only. Maximum 25 acres. Apartments: minimum 50m² including balcony and car space, or 40m² living area with no balcony/car space. High-density apartments are subject to a separate LVR constraint. Maximum 6 residential properties on one title. Mixed-use zoning acceptable where residence is on a separate title. | |
| Eligibility: other | Prime credit tier only. Same credit and income eligibility as Residential Home Loan – Prime. | |
| Eligibility: other | Full Documentation: PAYG applicants provide the last two payslips dated within 45 days or three months of bank statements showing salary credits; self-employed applicants provide one year Company/Trust and Personal Tax Returns with corresponding Notice of Assessment, none older than 21 months. Simplified self-employed verification for eligible company directors uses three months of salary credits and the last financial-year ATO income statement. Alternative Documentation uses a Declaration of Financial Position and one of an Accountant Letter, the last two BAS, or six months of business bank statements. Prime generally requires ABN over 24 months and GST registration over 12 months. | |
| Eligibility: other | Eligible borrower structures include individuals, eligible trusts and Australian-domiciled companies, subject to applicable ownership and director requirements. | |
| Eligibility: other | Up to six borrowers may be accepted per application. | |
| Limit: min limit | 2500001.00 | |
| Limit: max limit | 5000000.00 | |
| Limit: max lvr | 0.8000 | |
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 75%–80% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 75%–80% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 65% or less · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 70%–75% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70%–75% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 75%–80% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70%–75% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 75%–80% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65% or less · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65% or less · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65% or less · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65%–70% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 70%–75% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 70%–75% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65% or less · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65% or less · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65% or less · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 70%–75% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65%–70% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65%–70% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 75%–80% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 75%–80% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65%–70% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 65%–70% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 65% or less · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65%–70% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 70%–75% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 65%–70% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 70%–75% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% · $2,500,001–$5,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65%–70% · $2,500,001–$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.
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| Tag | Meaning | Effect |
|---|---|---|
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