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.
What’s your situation?
Buying a home
Whether it’s your first home or your next, we look beyond traditional credit scoring, can accommodate short-term employment, and accept all income types to help you get into your home sooner.
Investing in 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.
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.
Self-employed
Being your own boss shouldn’t limit your lending options. We make lending simpler for self-employed borrowers with streamlined paperwork and the flexibility you deserve.
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.
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.
Non-resident
Tailored solutions for non-resident borrowers seeking to purchase Australian residential property with FIRB approval or refinance an existing mortgage.
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.
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.
Put me in touch
with a broker
Our trusted brokers across the country are ready to help you secure an MA Money loan with expert advice and personalised support.
#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.
FIND YOUR LOAN
Find your loan
in just 60 seconds
With the MA Money loan finder, it’s quick and easy to check your eligibility. Share a few details about your circumstances and the property location and see your loan options instantly.
Why MA Money
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 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.
