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Loan Solutions

View our range of loans to suit any circumstance.

For moments that matter.

No matter your situation, we’ll work closely with your mortgage broker to find an MA Money loan designed to fit your needs. We’ll make the process simple, from application to approval, so you can stay focussed on achieving your goals.

Buying a home

Whether you’re buying your first home or upgrading to your next, MA Money has flexible loan options to match your unique needs. We look beyond traditional credit scoring, can accommodate short-term employment, and accept all income types to get you into your own home sooner.

Borrow up to 90% of the property value
No Lenders Mortgage Insurance required
Loan terms up to 40 years*
Alternative income verification options for self-employed borrowers
No genuine savings needed
Access to offset accounts to help you pay off your loan faster

Investing in Property

Looking to build wealth through property? Whether it’s stepping onto the property ladder, expanding your portfolio, or tapping into commercial opportunities, MA Money has flexible loan solutions designed to help you succeed.

Interest-only loans available
Invest in vacant land, residential, or commercial property
Borrow up to 90% of the property value
No Lenders Mortgage Insurance required
Loans available for individuals, trusts, and companies
No genuine savings needed
Alternative income verification options
All income types accepted

Refinancing and Consolidating Debt

Simplify your finances with MA Money. We make it easy to refinance your mortgage, access cash using equity, or consolidate multiple debts into one manageable loan.

Consolidate unlimited debts, including ATO and business debts
Cash out available up to the maximum Loan to Value Ratio (LVR)
No genuine savings required
Applications accepted with arrears or defaults
Flexible for short-term employment and probationary applicants
Borrow up to 90% of the property value
No Lenders Mortgage Insurance required
Alternative income verification for self-employed borrowers

Self-Employed

Being your own boss shouldn’t limit your lending options. We specialise in loans for self-employed customers, simplifying the paperwork and offering the flexibility you deserve.

Verify income with just one document, including an accountant’s letter
Accepting ABNs and GST registrations with as little as 6 months’ history
Borrow up to 90% of the property value
No Lenders Mortgage Insurance required
Consolidate unlimited debts, including ATO and business debts
Access cash out up to the maximum Loan to Value Ratio (LVR)
No genuine savings required

Credit Issues

Life happens, and we understand that credit problems don’t define your future. MA Money looks at your unique circumstances, not your credit score, and will have a solution for most situations.

No credit scoring
Discharged bankrupts, arrears and defaults accepted
Unlimited debt consolidation, including ATO debt
No genuine savings required
Flexible for short-term employment and probationary applicants
Access to offset accounts to help you pay off your loan faster

Living Overseas

Stay connected to Australia with our tailored Expat Loans, designed for borrowers living and working abroad or earning income overseas while in Australia.

Use 100% of your net income once converted to AUD
Borrow up to $5 million, with up to 80% of the property value
Access cash out up to the maximum Loan to Value Ratio (LVR)
Suitable for PAYG and self-employed incomes
Enjoy offset accounts to help you pay off your loan faster

Non-Resident

Tailored solutions for non-resident borrowers seeking to purchase Australian residential property with FIRB approval or refinance an existing mortgage.

Use 100% of your net income once converted to AUD
Borrow up to $2 million, with up to 80% of the property value
Access cash out up to the maximum Loan to Value Ratio (LVR)
Suitable for both PAYG and self-employed incomes

Investing in an SMSF

Want to grow your super through property? With MA Money’s SMSF lending solutions, you can take control of your retirement strategy – with options for both residential and commercial property.

Borrow up to $2 million, with up to 80% of the property value
Available for residential and commercial property
New purchases and refinances supported
Interest-only repayment options available
Up to 6 members, PAYG or self-employed
Corporate or individual trustees accepted
Loan terms of up to 30 years

Bridging Loans - Buy Before You Sell

Found your next home but haven’t sold your current one yet? MA Money’s bridging loans are designed to give you the breathing room to move ahead with confidence. You can buy first, sell later, and manage the transition without the stress of juggling finances.

Borrow up to $5 million, with up to 80% of the combined property value (peak debt)
Choose from 6- or 12-month terms
Flexible options for your remaining (“end debt”) loan once your property is sold
Interest can be capitalised, so no repayments during the bridging period
Alternative income verification available for self-employed borrowers

#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 only available for first-time home purchases. All applicants must be 40 years of age or under. Not available for loans over $2m.
^ATO debt and Private Loan debt cannot be consolidated for Prime Loans.
+Cash out from private lenders capped at $200k.

Your Loan Finder

The flexibility you need in a property loan

Borrow up to 90% of the property’s value
Options for both owner-occupiers and investors
Loan amounts up to $5 million
Terms up to 40 years
Interest-only options available
Up to 6 borrowers and 4 loan splits
Available for individuals, companies, or trusts

Features to suit your unique needs

Alternative income verification for self-employed borrowers
No genuine savings required
We accept all income types, including probationary income
Consolidate unlimited debts, including ATO and business debt
Access unlimited cash out for any stated purpose
Loans available for non-residents and expats

Support once your loan has settled

Online banking for easy management
Up to 4 offset accounts to save on interest
Friendly customer service team ready to assist
Redraw facilities and options for loan increases
No annual or monthly fee on any loan

Frequently asked questions about MA Money’s Home Loans

1. Am I eligible for a loan with MA Money?
We take a flexible approach to lending, considering more than just your credit score. Use our Loan Finder tool to see if there’s a loan that suits your circumstances. Your mortgage broker can discuss your unique situation and whether an MA Money loan is right for you. We can also help you find a mortgage broker in your state if you don’t have one already.
2. How much can I borrow?
Your borrowing capacity depends on factors like income, expenses, and the type of property you’re purchasing. Use our Loan Finder tool for a quick estimate or speak with your broker for personalised advice.
3. What types of loans do you offer?
We provide loans for a wide range of situations, including buying a home, investing in property, refinancing, and loans for self-employed or non-resident borrowers. Check out our Loan Solutions page for more details.
4. How do I apply for a loan?
Applications are submitted through your mortgage broker, who will work with us to tailor a loan solution that suits your needs. If you don’t have one, we can get help you get in touch with a mortgage broker.
5. What documents do I need to provide?
The required documents vary based on your situation. For most customers, this includes proof of income, payslips, bank statements, identification, and details about your financial commitments. Self-employed customers may need alternative forms of income verification, such as Notice of Assessment, an accountant’s letter, Business Activity Statements or business bank statements.
6. What fees are involved?
MA Money has no annual fees on our loans, but there are other fees such as application fees, offset account fees, valuation fees, legal fees and discharge fees. Your broker can provide a detailed breakdown based on your loan.
7. What are the interest rates for MA Money loans?
Our interest rates vary depending on the loan type and your individual circumstances, such as whether the loan is for an owner-occupied or investment property, if you’re opting for interest-only repayments, or if you’ve had issues with missed payments. Your mortgage broker can provide you with detailed information tailored to your situation and help you explore the best options.