Home loan rates › MA Money
Residential Home Loan – Near Prime (≤$2m)
MA Money
CDR officialNot ranked in rate tables
MA Money Near Prime 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–$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–$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–$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 70%–75% · $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 70%–75% · $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 75%–80% · $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 75%–80% · $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 80%–85% · $100,000–$1,250,000 | 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 80%–85% · $100,000–$1,250,000 | 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–$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–$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–$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 70%–75% · $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 70%–75% · $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 75%–80% · $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 75%–80% · $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 80%–85% · $100,000–$1,250,000 | 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 80%–85% · $100,000–$1,250,000 | 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–$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–$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–$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 70%–75% · $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 70%–75% · $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 75%–80% · $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 75%–80% · $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 80%–85% · $100,000–$1,250,000 | 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 80%–85% · $100,000–$1,250,000 | 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–$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–$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–$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 70%–75% · $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 70%–75% · $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 75%–80% · $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 75%–80% · $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 80%–85% · $100,000–$1,250,000 | 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 80%–85% · $100,000–$1,250,000 | 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/3ae0cded-fd4d-49ba-86a1-79be80e82b93- Content hash
sha256 9974949edc376d9d2f6b03de021acfd236d0c1e4f42789114de7e1a96da4925c- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_9974949edc376d9d_27cf7f29Show details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/3ae0cded-fd4d-49ba-86a1-79be80e82b93- Content hash
sha256 9974949edc376d9d2f6b03de021acfd236d0c1e4f42789114de7e1a96da4925c- 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 – Near Prime LVR ≤70% | Upfront | 0.00% |
| Risk Fee – Near Prime LVR >70% to 80% | Upfront | 0.50% |
| Risk Fee – Near Prime LVR >80% to 85% | 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. | |
| Other | Risk Fee Reducer is available only where a Residential risk fee up to 1.00% applies, for loans up to 80% LVR, and excludes loans over $2.5m. 0.50% risk fee -> +0.25% ongoing rate loading; 1.00% risk fee -> +0.50% ongoing rate loading. Choosing this option reduces or waives the upfront risk fee in exchange for a higher ongoing interest rate. | |
| 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 some credit history impairment. Defaults up to $3,000 accepted; larger defaults considered if listed over 12 months (paid) or 24 months (paid or unpaid). Limited mortgage arrears accepted. | |
| Eligibility: other | Owner Occupied or Investment. Purchase, refinance, cash out, or debt consolidation. Cash out from private lenders is capped at $200,000. | |
| 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: 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. 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. Near Prime generally requires ABN over 12 months and GST registration over 6 months. | |
| 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 | 1250000.00 | |
| Limit: max limit | 2000000.00 | |
| Limit: max limit | 2000000.00 | |
| Limit: max limit | 1000000.00 | |
| Limit: max lvr | 0.8500 | |
| 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 · investment · interest only · LVR 65%–70% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 80%–85% · $100,000–$1,250,000 | 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 · 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–$2,000,000 | 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 · owner occupied · principal and interest · LVR 70%–75% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 70%–75% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 75%–80% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 80%–85% · $100,000–$1,250,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70%–75% · $100,000–$2,000,000 | 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 · investment · principal and interest · LVR 65%–70% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% · $100,000–$2,000,000 | 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 | |
| Variable · investment · principal and interest · LVR 65% or less · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 70%–75% · $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%–70% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 75%–80% · $100,000–$2,000,000 | 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 · investment · principal and interest · LVR 75%–80% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 80%–85% · $100,000–$1,250,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 80%–85% · $100,000–$1,250,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 70%–75% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 80%–85% · $100,000–$1,250,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 70%–75% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| 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 80%–85% · $100,000–$1,250,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 80%–85% · $100,000–$1,250,000 | 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–$2,000,000 | 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 · investment · principal and interest · LVR 70%–75% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 75%–80% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · interest only · LVR 80%–85% · $100,000–$1,250,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · interest only · LVR 75%–80% · $100,000–$2,000,000 | 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 · principal and interest · LVR 75%–80% · $100,000–$2,000,000 | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · owner occupied · principal and interest · LVR 75%–80% · $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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