Home loan rates › MA Money
Residential Home Loan – Specialist (≤$2m)
MA Money
CDR officialNot ranked in rate tables
MA Money Specialist residential mortgage for owner-occupied or investment purposes, available 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 · $100,000–$2,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65% or less · $100,000–$1,750,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65%–70% · $100,000–$2,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 65%–70% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 70%–75% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 70%–75% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 75%–80% · $100,000–$1,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · interest only · LVR 75%–80% · $100,000–$1,000,000 | Not compared in rate tables Specialist lending | 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–$2,000,000 | Not compared in rate tables Specialist lending | 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–$1,750,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65%–70% · $100,000–$2,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 65%–70% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70%–75% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70%–75% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 75%–80% · $100,000–$1,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 75%–80% · $100,000–$1,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65% or less · $100,000–$2,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65% or less · $100,000–$1,750,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65%–70% · $100,000–$2,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 65%–70% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 70%–75% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 70%–75% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 75%–80% · $100,000–$1,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · interest only · LVR 75%–80% · $100,000–$1,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65% or less · $100,000–$2,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65% or less · $100,000–$1,750,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65%–70% · $100,000–$2,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 65%–70% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 70%–75% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 70%–75% · $100,000–$1,500,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 75%–80% · $100,000–$1,000,000 | Not compared in rate tables Specialist lending | CDR | 1 Nov 2026 | |
| Comparison rate not published. See the lender for this rate. | Variable · owner occupied · principal and interest · LVR 75%–80% · $100,000–$1,000,000 | Not compared in rate tables Specialist lending | 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/06b13ead-da6b-461e-9bcd-51d2f88ed581- Content hash
sha256 67d4fe443f7a02c13800f2e751198c57c2638bce4c427b20fe4ceefdc6c68cd5- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_67d4fe443f7a02c1_7bbec103Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/06b13ead-da6b-461e-9bcd-51d2f88ed581- Content hash
sha256 67d4fe443f7a02c13800f2e751198c57c2638bce4c427b20fe4ceefdc6c68cd5- 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 | $899.00 |
| Application Fee – Alt Doc | Upfront | $899.00 |
| 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 – Specialist Full Doc LVR ≤65% | Upfront | 0.75% |
| Risk Fee – Specialist Alt Doc LVR ≤65% | Upfront | 1.50% |
| Risk Fee – Specialist Full & Alt Doc LVR >65% to 80% | Upfront | 1.50% |
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 available for up to 5 years. 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 | Accommodates borrowers with significant credit impairment. Paid or unpaid defaults may be considered; a single credit event listed within the last 12 months may be considered, and unlimited adverse listings may be considered when listed for more than 12 months. Mortgage and other arrears within the last 6 months may be considered, and discharged bankruptcy is accepted subject to policy. | |
| Eligibility: other | Owner Occupied or Investment. Purchase, refinance, or debt consolidation. Cash out is limited to $100,000. | |
| 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 | Full Documentation and Alternative Documentation pathways are available. PAYG applicants provide the last two payslips dated within 45 days or three months of bank statements showing salary credits. Self-employed Full Doc generally uses one year tax returns and corresponding Notice of Assessment. Alt Doc uses a Declaration of Financial Position and one of an Accountant Letter, the last two BAS, or six months of business bank statements. Near Prime Plus and Specialist generally require ABN over 6 months and GST registration over 1 day; where GST registration is less than 6 months, MA Money may request additional documentation if trading activity is unclear or inconsistent. | |
| Eligibility: other | Loan term 5 to 40 years. A 31–40 year term is only available for eligible purchase applications where all applicants are aged 40 or under and is not available for loans over $2.5m. | |
| 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 | 100000.00 | |
| Limit: max limit | 1000000.00 | |
| Limit: max limit | 1500000.00 | |
| Limit: max limit | 1500000.00 | |
| Limit: max limit | 1750000.00 | |
| Limit: max limit | 2000000.00 | |
| Limit: max limit | 2000000.00 | |
| Limit: max limit | 1000000.00 | |
| Limit: max lvr | 0.8000 | |
| Limit: max lvr | 0.8000 | |
| Limit: max lvr | 0.7000 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · owner occupied · interest only · LVR 65% or less · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70%–75% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 75%–80% · $100,000–$1,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 75%–80% · $100,000–$1,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 75%–80% · $100,000–$1,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 70%–75% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 75%–80% · $100,000–$1,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 75%–80% · $100,000–$1,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% · $100,000–$1,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65%–70% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 70%–75% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65% or less · $100,000–$1,750,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 70%–75% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65% or less · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 70%–75% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65%–70% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65%–70% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 65% or less · $100,000–$1,750,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65% or less · $100,000–$1,750,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 65%–70% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65%–70% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 70%–75% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65% or less · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% · $100,000–$1,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65% or less · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 70%–75% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70%–75% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 65%–70% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 65%–70% · $100,000–$1,500,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 65% or less · $100,000–$1,750,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 75%–80% · $100,000–$1,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 65%–70% · $100,000–$2,000,000 | 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 |
|---|---|---|
risk:specialist | Specialist lending | Left out of the standard home loan table; separate switch |
rate-selected-by-free-text | Reason this product is not ranked | |
comparison-rate-missing | Reason this product is not ranked | |
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