Home loan rates › MA Money
Vacant Land Loan – Specialist (≤$2m)
MA Money
CDR officialNot ranked in rate tables
MA Money Specialist vacant-land mortgage for 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 · 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 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/c6e693c6-22c3-4003-b2da-118096a574b9- Content hash
sha256 f3361393a0e618829910cc04d901f1ccedd4781101e833a6cd04d450222a681b- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_f3361393a0e61882_6a7019aeShow details
- Checked
- 1 Nov 2026
- URL
https://public.cdr.mamoney.com.au/cds-au/v1/banking/products/c6e693c6-22c3-4003-b2da-118096a574b9- Content hash
sha256 f3361393a0e618829910cc04d901f1ccedd4781101e833a6cd04d450222a681b- 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 | Upfront | 1.25% |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| 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, then reverting to principal and interest. | |
| Digital banking | Internet banking, direct debits and direct credits. | |
| Offset | One offset account is available per loan split. | |
| 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 | Eligible Expat borrowers may also apply subject to the applicable MA Money policy. |
| Eligibility: other | Vacant residential or rural residential land only, maximum 25 acres. Investment-purpose lending only. Not available for construction, development purposes, completing construction, land with ongoing construction, or development sites with DA approval. | |
| Eligibility: other | Investment only. Residential Vacant Land loans are investor loans for CDR rate disclosure. Purchase, refinance, debt consolidation (excluding tax debt) and equity release/cash out may be available subject to policy, secured by vacant land only. Negative gearing is not accepted for Vacant Land loans. | |
| Eligibility: other | Accommodates borrowers with significant credit events including recent adverse listings, unlimited arrears and discharged bankruptcy. | |
| Eligibility: other | Full Documentation (Full Doc): income verified through recent payslips and/or tax returns. Alternative Documentation (Alt Doc): income verified through accountant letter, business bank statements, or business activity statements. | |
| 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 | 2000000.00 | |
| Limit: max limit | 2000000.00 | |
| Limit: max lvr | 0.8000 | |
| Limit: max lvr | 0.7000 | |
| Limit: other |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| 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 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 · investment · principal and interest · LVR 75%–80% · $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 · principal and interest · LVR 70%–75% · $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 · investment · interest only · LVR 70%–75% · $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 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 · 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 · principal and interest · LVR 75%–80% · $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 | |
*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:land | purpose:land | |
rate-selected-by-free-text | Reason this product is not ranked | |
comparison-rate-missing | Reason this product is not ranked | |
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