More lending power across more scenarios

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More lending power: more capacity, more flexibility Bigger loan sizes. Broader policy. More flexibility to get deals done. MA Money has expanded its Residential and SMSF lending policies, giving you more ways to solve your clients’ scenarios. The policy updates are across residential, vacant land, bridging, expat and SMSF lending. They increase maximum loan sizes and introduce greater flexibility across property locations, income verification, credit history and application assessment. Together, the updates give brokers greater borrowing capacity and more ways to structure and progress a deal. MA Money national sales manager Tim Lemon said the changes were developed in response to the scenarios brokers are bringing to MA Money every day. “Brokers are dealing with increasingly diverse client circumstances, from larger residential loans and self-employed applicants to expats, bridging borrowers and clients investing through an SMSF,” Lemon said. “These updates give brokers greater confidence to bring a wider range of scenarios to MA Money,” he added. “We have increased borrowing capacity across several key products while introducing more flexibility to help brokers get deals done.”

MA Money is one of Australia’s fastest-growing lenders, partnering with brokers to deliver flexible lending solutions across residential, commercial, bridging, SMSF, vacant land, expat and non-resident loans. With fast, responsive service and streamlined credit processes, we help brokers move quickly and solve complex scenarios with more ways to say ‘yes’.

TIM LEMON, MA MONEY

Greater residential borrowing capacity One of the most significant changes is the increase to maximum residential loan sizes across MA Money’s Prime and Near Prime products. Prime Full Doc and Alt Doc loans are now available up to $5 million at up to 80% LVR, compared with the previous maximum of $2.5 million. Near Prime Full Doc and Alt Doc maximum loan sizes have increased from $1.75 million to $3 million at up to 80% LVR. Loans between $2 million and $3 million can also be considered at up to 80% LVR, compared with the previous maximum of 75% LVR.

“These updates give brokers greater confidence to bring a wider range of scenarios to MA Money. We have increased borrowing capacity across several key products while introducing more flexibility to help brokers get deals done”

MA Money has made significant updates to its Residential and SMSF policies, with bigger loan sizes, broader location limits and more flexibility across income verification, credit history and valuation options

Published 21 Sep 2026

The changes create more opportunities for brokers assisting clients in higher-value property markets or requiring larger loan amounts. Location-based lending limits have also increased. The maximum loan size for Category 2 properties has gone up from $1.5 million to $2.5 million, while the Category 3 maximum has risen from $500,000 to $1 million. “These changes are not simply about writing larger loans,” Lemon said. “They give brokers more ways to solve client scenarios across more locations and property values. A scenario that may previously have fallen outside policy could now have a pathway forward.” More flexibility across key lending products MA Money has also updated its vacant land lending policy. The maximum LVR has increased from 75% to 80%. The base rate maximum loan size has risen from $1.5 million to $2 million, while the Category 2 maximum has also gone up to $2 million. For bridging loans, the Near Prime maximum loan size has increased from $2 million to $5 million, providing more capacity for clients purchasing their next property before completing the sale of an existing property. Expat lending has received similar adjustments. The Near Prime maximum loan size is now $5 million, up from $2 million. Category 2 maximum loan sizes have risen to $2.5 million, while Category 3 maximums have increased to $1 million. More SMSF lending opportunities SMSF lending is another key focus of the policy updates. The Prime maximum loan size has increased from $2 million to $8 million at 65% LVR, creating significantly more borrowing capacity for eligible SMSFs purchasing or refinancing property. Head of lending Stephen Begnell said the changes recognise the variety and complexity of SMSF scenarios presented by brokers. “Property can form an important part of an SMSF investment strategy, but these transactions require a lender with both the capacity and expertise to assess them,” Begnell said. “Increasing our Prime maximum to $8 million gives brokers more ways to solve a broader range of client scenarios and property opportunities.”

Faster, more flexible approvals The policy updates extend beyond loan sizes. MA Money has expanded AVM eligibility for Category 1 properties, helping eligible applications progress more efficiently. AVMs are now available for eligible Category 1 properties at up to 80% LVR and for loans up to $2 million, compared with the previous limit of 75% LVR. An Automated Valuation Model uses property and market data to estimate a property’s value digitally without requiring a physical inspection. Where the application and property meet the requirements, this can reduce valuation delays and help move deals forward faster.

Income verification has also been simplified for eligible self-employed clients. Near Prime Plus and Specialist applicants can now be considered with one day of GST registration, provided the business has held an ABN for at least six months. Under the Simplified Self-Employed Full Doc option, applicants can provide three months of salary credits instead of payslips, supported by the previous financial year’s ATO income statement. “We have looked closely at where unnecessary friction can occur within an application,” Begnell said. “Expanded AVM eligibility and simpler income verification give brokers more ways to package suitable applications and help our credit team reach a decision sooner.” More policy flexibility MA Money has also introduced greater flexibility for clients with circumstances that may sit outside traditional lending criteria. Part IX debt agreement and Part X personal insolvency agreement can now be considered under Near Prime Plus and Specialist where the agreement will be paid out as part of the loan. New Zealand citizens residing in Australia can now apply for a standard residential loan rather than a non-resident loan. Non-resident co-applicants can now be accepted where the majority of assessable income comes from Australian citizens, permanent residents or New Zealand citizens residing in Australia, and the non-resident contributes minor or no income towards servicing. Explore the policy updates For brokers, these policy updates mean greater borrowing capacity, more opportunities and more flexibility across income verification, credit policy and application assessment. For more information about the Residential policy updates, download the latest Residential Rate & Product Guide. To explore the changes to MA Money’s SMSF lending policy, download the latest SMSF Rate & Product Guide. If you have a client scenario you would like to discuss, contact your MA Money BDM.

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“We have looked at where unnecessary friction can occur within an application. Expanded AVM eligibility and simpler income verification give brokers more ways to package suitable applications and help our credit team reach a decision sooner”

Stephen Begnell, MA Money

Information for broker use only. This article does not constitute financial, tax or legal advice and does not take into account personal objectives, financial situation or needs. You should seek independent advice from a licensed professional before making any financial decisions. Applications for credit are subject to eligibility and lending criteria. Fees, charges and T&Cs apply (available on request). MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence 522267.