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SMSF Residential Home Loan – Near Prime
CDR officialNot ranked in rate tables
MA Money SMSF Residential Near Prime variable-rate loan for eligible SMSF trustees refinancing existing residential investment-property SMSF loans, or completing an eligible residential investment purchase under a contract entered into before 10 August 2026.
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–$3,000,000 | Available under Full Documentation. Not compared in rate tables Specialist lendingSMSFStudents | CDR | 3 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65%–70% · $100,000–$3,000,000 | Available under Full Documentation. Not compared in rate tables Specialist lendingSMSFStudents | CDR | 3 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 70%–75% · $100,000–$3,000,000 | Available under Full Documentation. Not compared in rate tables Specialist lendingSMSFStudents | CDR | 3 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 75%–80% · $100,000–$1,750,000 | Available under Full Documentation. Not compared in rate tables Specialist lendingSMSFStudents | CDR | 3 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65% or less · $100,000–$3,000,000 | Available under Full Documentation. Not compared in rate tables Specialist lendingSMSFStudents | CDR | 3 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65%–70% · $100,000–$3,000,000 | Available under Full Documentation. Not compared in rate tables Specialist lendingSMSFStudents | CDR | 3 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70%–75% · $100,000–$3,000,000 | Available under Full Documentation. Not compared in rate tables Specialist lendingSMSFStudents | CDR | 3 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 75%–80% · $100,000–$1,750,000 | Available under Full Documentation. Not compared in rate tables Specialist lendingSMSFStudents | CDR | 3 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
- 3 Nov 2026
- URL
https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/bcfd6183-20c8-4ef7-ba15-54040aff08a9- Content hash
sha256 8a0fe04e3be45b3a211e35b78f17806e6282dbeee270c89e430105a1ff3ecb8c- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_8a0fe04e3be45b3a_fd5ec1b8Show details
- Checked
- 3 Nov 2026
- URL
https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/bcfd6183-20c8-4ef7-ba15-54040aff08a9- Content hash
sha256 8a0fe04e3be45b3a211e35b78f17806e6282dbeee270c89e430105a1ff3ecb8c- 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 3 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 | Upfront | $0.00 |
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 | Near Prime credit eligibility: paid or unpaid defaults up to $3,000 may be considered without an aggregate cap. For defaults above $3,000, paid defaults listed more than 12 months ago and paid or unpaid defaults listed more than 24 months ago may be considered. Up to one month of mortgage arrears in the last six months, or up to three months of other arrears in the last three months, may be considered. Discharged bankruptcy more than one day ago 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 | 3000000.00 | |
| Limit: max limit | 1750000.00 | |
| Limit: max limit | 1500000.00 | |
| Limit: max limit | 500000.00 | |
| Limit: max lvr | 0.8000 | |
| Limit: max lvr | 0.7000 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 75%–80% · $100,000–$1,750,000 | 3 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 70%–75% · $100,000–$3,000,000 | 3 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65%–70% · $100,000–$3,000,000 | 3 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65%–70% · $100,000–$3,000,000 | 3 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65% or less · $100,000–$3,000,000 | 3 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65% or less · $100,000–$3,000,000 | 3 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70%–75% · $100,000–$3,000,000 | 3 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% · $100,000–$1,750,000 | 3 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 |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
purpose:smsf | SMSF | Left out of the standard home loan table |
eligibility:student | Students | Shown in the row; ranking unchanged |
comparison-rate-missing | Reason this product is not ranked | |
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