Brokers

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 $5M.
  • 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). 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.

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 > 6 months.

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 > 6 months.

View further information in our Rate & Product Guide.

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 $1.5M.
  • Borrow up to 75% 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). 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.

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 > 6 months.

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 > 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 $2M.
  • 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%.
  • 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). Company Tax Returns if applicable.

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.
  • No credit score, CCR or DTI requirements.
  • Short term employment, including probation.
  • No genuine savings required.
  • Rental income shaded at 80%.
  • Company debts excluded from servicing.
  • 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

Our SMSF Loans are crafted for borrowers aiming to grow their self-managed super fund portfolio by purchasing residential property or refinancing an existing SMSF residential mortgage.

  • Loan Size: $100,000 to $2M.
  • 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.
  • New purchase or refinance.
  • Rental income shaded at 90%.
  • Redraw, offset accounts and cash out not available.

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 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 customer’s loan finder

Find the right home loan and interest rate for your customer with our simple and quick Loan Finder tool

Here’s what some of our brokers are saying

"You’ll be my first point of contact for clients that don’t fit mainstream."

Eddie

VIC

Here’s what some of our brokers are saying

"Having access to this calibre of staff is truly amazing as a brokers, and it speaks volumes about MA Money."

Andrew

QLD

Here’s what some of our brokers are saying

"This has been another ‘stress free’ experience to secure this approval."

Rob

WA

Here’s what some of our brokers are saying

"I’ve been telling my colleagues about MA Money. Hope you guys continue to do great things!"

Tedjo

VIC

Here’s what some of our brokers are saying

"They take a common-sense approach to each loan applications, uncovering potential solutions that other lenders might miss."

Catalyst Advisers

NSW

Here’s what some of our brokers are saying

"We submit many loans with you due to your niche credit policies, borrowing capacity and quick turnaround times."

Chris

NSW

Here’s what some of our brokers are saying

"I have to tell you my experience with MA Money has been phenomenal. I have had both applications go straight through to formal."

Jennifer

SA

Here’s what some of our brokers are saying

"MA Money is for sure at the top of my list on non-bank lenders now."

Peter

QLD

Here’s what some of our brokers are saying

"Your correspondence has been second to none and the MA money settlements team has been fantastic."

Jenny

NSW

Here’s what some of our brokers are saying

"Great experience. Clear plan and execution. Great support team."

Adam

NSW

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.