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More home loan options
For a better customer fit
More loans for more customers
We support brokers with flexible lending solutions, fast approvals, and dedicated support to help you succeed.
Residential Loans
Purchasing, refinancing, investing or consolidating debt, our residential loans are designed to adapt to your clients’ needs. With flexible policies and competitive rates we make property goals easier to reach. Backed by a fast credit process and expert support, we’re here to help you every step of the way.
- Loan Term: 5 to 40 years*
- Loan Size: $100,000 to $15M
- Cash out to max LVR for any purpose+
- All income types accepted, including overseas income
- No credit score, CCR or DTI requirements
- Short term employment, including probation
- No genuine savings required
- 100% of bonus and commission income accepted
- Rental income shaded at 90%
- Company debts excluded from servicing
- Up to 6 borrowers, up to 4 loan splits, up to 4 offset accounts per loan
Self-employed
- Full Doc - 1 year personal tax return and corresponding Notice of Assessment (NOA). Trust and company tax returns if applicable; OR simplified self-employed (company directors only) with 3 months of salary credits AND last financial year ATO income statement
- Alt Doc - 1 income doc (Accountant Letter, or last 2 BAS, or 6 months business bank statements) and Declaration of Financial Position
Loan types
MA Money
Prime
- Borrow up to 90% LVR, no LMI**
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months.
MA Money
Near Prime
- Borrow up to 85% LVR, no LMI**
- ATO and Private debt consolidation^
- Mortgage arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
MA Money
Near Prime Plus
- Borrow up to 85% LVR, no LMI**
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 2 months within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 6 months, GST > 1 day
MA Money
Specialist
- Borrow up to 80% LVR
- Up to $100k cash out for any purpose
- ATO and Private debt consolidation^
- Mortgage arrears: Unlimited within the last 6 months
- Unlimited credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 6 months, GST > 1 day
View further information in our rate and product guide.
FAQs about Residential Loans
1. What residential lending solutions are available?
MA Money offers Residential Loan solutions for purchasing, refinancing, investing and debt consolidation.
Our residential range includes Prime, Near Prime, Near Prime Plus and Specialist options, with Full Doc and Alt Doc pathways available. These solutions are designed to support a range of borrower needs, including self-employed customers, customers with credit impairments, ATO debt, mortgage or other arrears, discharged bankruptcy and cash out requirements.
Loans are available for owner occupiers and investors, with flexible policy options and a fast credit process to help brokers find a suitable pathway for their clients.
2. Are there postcode restrictions?
Maximum loan amounts and LVRs vary by postcode category and location. Category 1 metro and non-metro locations can be considered up to 90% LVR, with a maximum loan size of $15 million at 65% LVR. Category 2 locations can be considered up to 80% LVR, with a maximum loan size of $2.5 million. Category 3 locations can be considered up to 70% LVR, with a maximum loan size of $1m.
Brokers can use our Postcode Lookup Tool to quickly check the maximum loan amount and LVR for each loan product.
3. What LVRs are available for expat and non-resident borrowers?
For both Expat and Non-Resident Loans, the maximum LVR is 80%, subject to policy requirements. Expats can also apply for a Vacant Land Loan with a maximum LVR of 80%.
4. Can borrowers access cash out?
Yes. Cash out is available up to the product’s maximum LVR, subject to policy requirements.
5. What income can be used for servicing residential loans?
All income types can be accepted for servicing, subject to verification and policy requirements.
For PAYG borrowers, income can be verified using the latest two payslips.
For self-employed Full Doc borrowers, we can use company or trust tax returns, personal tax returns and notices of assessment. For company directors, simplified self-employed verification may also be available using three months of salary credits and the latest ATO income statement.
For self-employed Alt Doc borrowers, income may be verified using a declaration of financial position with one accountant letter, the latest two BAS, or six months of business bank statements.
Vacant Land Loans
Whether your clients are planning their next big project or securing a long-term investment, our Vacant Land Loans can help turn their vision into reality. With flexible financing options for purchases and refinances, we’re here to provide the support they need to succeed.
- Loan Size: $100,000 to $5M
- Borrow up to 80% LVR
- No clawbacks
- Land can be used as sole security
- All income types accepted, including overseas income
- No credit score, CCR or DTI requirements
- Short term employment, including probation
- No genuine savings required
- Rental income shaded at 90%
- Company debts excluded from servicing
- Up to 6 borrowers, up to 4 loan splits, up to 4 offset accounts per loan
Self-employed
- Full Doc - 1 year personal tax return and corresponding Notice of Assessment (NOA). Trust and company tax returns if applicable; OR simplified self-employed (company directors only) with 3 months of salary credits AND last financial year ATO income statement
- Alt Doc - 1 income doc (Accountant Letter, or last 2 BAS, or 6 months business bank statements) and Declaration of Financial Position
Loan types
MA Money
Prime
- Cash out to max LVR for any purpose+
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months
MA Money
Near Prime
- Cash out to max LVR for any purpose
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
MA Money
Near Prime Plus
- Cash out to max LVR for any purpose
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 2 months within the last 6 months
- Credit impairments and other arrears accepted (see Product guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 6 months, GST > 1 day
MA Money
Specialist
- Up to $100k cash out for any purpose
- ATO and Private debt consolidation^
- Mortgage Arrears: Unlimited within the last 6 months
- Unlimited credit impairments and other arrears accepted (see Product guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 6 months, GST > 1 day
View further information in our Rate & Product guide.
Bridging Loans
Our Bridging Loans are ideal for clients who need to buy before they sell, offering the speed and flexibility to secure their next property and the breathing room to complete their sale.
- Loans from $200K to $5M (peak debt)
- 6 to 12 months loan terms
- Cash out to max LVR
- No clawbacks
- Full Doc and Alt Doc options
- End debt flexibility
- Capitalised interest available
Loan types
MA Money
Prime
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months
MA Money
Near Prime
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
View further information in our Rate & Product guide.
Expat Loans
Designed for expats living and working abroad or Australians earning income overseas, our Expat Loans make it easier to stay connected to Australia through property ownership
- Loan Size: $100,000 to $5M
- Borrow up to 80% LVR
- 100% of net income once converted to AUD
- Cash out to max LVR for any purpose+
- All income types accepted, including overseas income
- No credit score, CCR or DTI requirements
- Short term employment, including probation
- No genuine savings required
- Rental income shaded at 90%
- Up to 6 borrowers, up to 4 loan splits, up to 4 offset accounts per loan
- Self-employed Full Doc - 1 year personal tax return and corresponding Notice of Assessment (NOA). Company tax returns if applicable
Self-employed
- Full Doc - 1 year personal tax return and corresponding Notice of Assessment (NOA). Trust and company tax returns if applicable
- Alt Doc - 1 income doc (Accountant Letter, or last 2 BAS, or 6 months business bank statements) and Declaration of Financial Position
- Simplified self-employed (company directors only) - 3 months of salary credits AND last financial year ATO income statement
Loan types
MA Money
Prime
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months
MA Money
Near Prime
- ATO and Private debt consolidation^
- Mortgage Arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
View further information in our Rate & Product guide.
Non-Resident Loans
Tailored for non-residents, our loans support property purchases with Foreign Investment Review Board (FIRB) approval or the refinancing of existing mortgages.
- Loan Size: $100,000 to $2M
- Borrow up to 80% LVR
- 100% of net income once converted to AUD
- Cash out to max LVR for any purpose+
- Paid defaults up to $500 (on aggregate) considered
- All income types accepted, including overseas income
- Short term employment, including probation
- Rental income shaded at 80%
- Up to 6 borrowers, up to 4 loan splits
- Redraw and offset accounts not available
Self-employed
- Full Doc - 1 year personal tax return and corresponding Notice of Assessment (NOA). Company tax returns if applicable
- ABN > 24 months, GST > 12 months
View further information in our Rate & Product guide.
SMSF loans - Commercial and Residential
Our SMSF Commercial and Residential Loans are crafted for borrowers aiming to grow their self-managed super fund portfolio.
For our SMSF Commercial Loans, new purchases and refinances are accepted. For our SMSF Residential Loans, refinance of existing loans and purchases with the contract dated prior to 10 August 2026 are accepted.
- Loan Size: $100,000 to $8M
- Borrow up to 80% LVR
- Corporate or individual trustees accepted
- Up to 6 members, PAYG or self-employed
- No Liquidity or Net Asset testing
- Interest Only repayments acceptable
- Rental income shaded at 90%
- Redraw, offset accounts and cash out not available
Self-employed
- Full Doc - 1 year personal tax return and corresponding Notice of Assessment (NOA). Company tax returns if applicable
- ABN > 24 months, GST > 12 months
View further information in our Rate & Product guide.
SMSF lending
1. What SMSF lending solutions are available and who can apply?
MA Money offers SMSF lending for residential and commercial investment properties. For our SMSF Commercial Loans, new purchases and refinances are accepted. For our SMSF Residential Loans, refinance of existing loans and purchases with the contract dated prior to 10 August 2026 are accepted.
SMSF Loans can include up to six fund members, who can be PAYG or self-employed. Corporate or individual trustees can be accepted, subject to policy requirements.
2. Can SMSF commercial properties be occupied by a related business?
Yes. SMSF Commercial Loans may be available where a related business occupies the property, subject to superannuation and lending requirements.
3. How is an SMSF loan structured?
SMSF lending is arranged under a Limited Recourse Borrowing Arrangement. The SMSF is the borrower, all individual trustees and SMSF members must act as guarantors, and the property title is held by a bare trust or security trust on behalf of the SMSF. Under this structure, the lender’s recourse is generally limited to the property being purchased.
4. What is the maximum loan amount and LVR?
SMSF Loans are available up to $8 million and 80% LVR, subject to policy requirements.
5. What income can be used for SMSF serviceability?
Serviceability can include SMSF income, rental income and member income. Rental income is shaded at 90%. Refer to the SMSF Product Guide for more details.
6. What rental evidence is required?
For existing residential rental income, brokers can provide a rental statement, executed tenancy agreement, bank statements showing rental income or a valuation. For new residential rental income, provide a rental appraisal from a local real estate agent or a valuation. For commercial rental income, provide the lease agreement where tenanted and a valuation.
7. Can additional contributions be used for servicing?
Yes. Additional future contributions may be considered where the member has capacity to contribute more to the fund. These must be supported by an accountant or financial planner letter confirming the member’s ability to make the additional contributions. The total concessional contribution amount cannot exceed the applicable cap.
8. Do you require liquidity or net asset testing?
No. SMSF applications do not require liquidity or net asset testing. This helps keep the assessment focused on the SMSF structure, servicing position, income evidence and the property being offered as security.
9. Are interest only repayments, redraw, offset or cash out available?
Principal and interest or interest only repayments can be considered, subject to policy requirements. Redraw, offset accounts and cash out are not available for SMSF loans.
Commercial Loans
Smart, flexible lending options for self-employed clients and commercial property investors – whether buying, refinancing, consolidating or getting cash out.
- Loans from $100K to $8M
- Terms up to 30 years
- Cash out to max LVR for any purpose+
- Interest only up to 10 years
- No clawbacks
- Full Doc, Alt Doc, Lease Doc, Light Doc
- No credit score, CCR or DTI requirements
- Retail shops, offices, light industrial and warehouses
- No annual review or revaluations
- Up to 6 borrowers, up to 4 loan splits, up to 4 offset accounts per loan
Self-employed
- Full Doc - 1 year personal tax return and corresponding Notice of Assessment (NOA). Trust and company tax returns if applicable; OR Simplified Self-Employed - (company directors only) - 3 months of salary credits AND last financial year ATO income statement
- Alt Doc - 1 income doc (Accountant Letter, or last 2 BAS, or 6 months business bank statements) and Declaration of Financial Position
- Light Doc - Declaration of Financial Position
Loan types
MA Money
Prime
- Borrow up to 80% LVR
- Paid defaults up to $500 (on aggregate) considered
- Self-employed - ABN > 24 months, GST > 12 months
MA Money
Near Prime
- Borrow up to 80% LVR
- ATO and Private debt consolidation^
- Mortgage arrears: Up to 1 month within the last 6 months
- Credit impairments and other arrears accepted (see Product Guide)
- Discharged from bankruptcy > 1 day
- Self-employed: ABN > 12 months, GST > 6 months
View further information in our Rate & Product guide.
#Arrears is defined as any late payment or arrears on a credit account (credit card, personal loan, mortgage) where the minimum repayment has not been made within 14 days since the credit contract due date.
*31–40 year loan term available for purchase applications where all applicants are aged 40 years or under. Not available for loans over $2.5m and not applicable to Non-Resident, Expat or SMSF Loans.
^ATO debt and Private Loan debt cannot be consolidated for Prime Loans.
+Cash out from private lenders where interest is capitalised is capped at $200k.
**Risk fees may apply
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Dedicated BDM support
Our responsive and experienced Business Development Managers are here to support you every step of the way. Backed by a Credit Development Manager, they’re ready to provide quick decisions and expert guidance on every scenario.
