What MA Money does

MA Money is an Australian non-bank lender established in 2004 and operating as a subsidiary of MA Financial Group, one of Australia's alternative asset managers. The company specializes in residential and commercial loan products for borrowers who fall outside mainstream lending criteria — including self-employed individuals with non-standard income documentation, property investors, expatriates and overseas earners, non-residents purchasing Australian property with FIRB approval, SMSF investors, and borrowers with credit impairments such as defaults, arrears, or ATO debt. Its product portfolio spans four residential credit tiers (Prime, Near Prime, Near Prime Plus, Specialist), plus bridging, vacant land, expat, non-resident, SMSF residential, commercial, and SMSF commercial loans, with loan sizes ranging from $100,000 to $8 million and terms up to 30 years.

The company distributes exclusively through a network of 1,000+ accredited mortgage brokers across Australia, supported by 25+ named Business Development Managers in every state who provide scenario workshops, direct credit analyst access, and 48-hour conditional approval on full-packaged applications. Broker-facing technology includes the ApplyOnline submission platform, PropertyHub document management portal, Loan Finder 60-second eligibility tool, and six specialized serviceability calculators (Bridging, Arrears, BAS, Serviceability, Non-Resident Serviceability, plus postcode lookup). Customers cannot apply directly — the broker channel is the sole origination route.

MA Money's revenue model is built primarily on interest income from its loan portfolio (funded through MA Financial Group and securitization) supplemented by transaction-based fees including application, offset account, valuation, legal, discharge, and risk fees, with no annual or monthly account fees. As of December 2025, the loan book surpassed $5 billion cumulative, and February 2026 saw a record $1.25 billion in loan issuance. The company holds Australian Credit Licence No 522267 and operates from headquarters in Sydney (Level 27 Brookfield Place, 10 Carrington Street) and a Melbourne office (Level 20, 80 Collins Street), with 51–100 employees. In June 2026, MA Money was voted Australia's #1 Small Non-Bank Lender by mortgage brokers in the Broker Pulse Third-Party Lending Report, with an 80% score across 16 measured attributes.

Name

MA Money

Legal name

MA Money Financial Services Pty Ltd

Website

https://mamoney.com.au

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

51–100 employees

Short description

MA Money is an Australian non-bank lender offering residential and commercial loan products to self-employed, credit-impaired, expat, non-resident, and SMSF borrowers who fall outside mainstream lending criteria, distributed exclusively through a national network of 1,000+ accredited mortgage brokers.

Ownership category

akta.pro rank

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: MA Money earns interest income on its loan portfolio. As a non-bank lender, it funds lending through its parent MA Financial Group and securitization. Interest rates vary by product type (Prime, Near Prime, Near Prime Plus, Specialist) and borrower profile.
2. Loan Fees: Various loan-related fees including application fees, offset account fees, valuation fees, legal fees, discharge fees, and risk fees for certain products. No annual or monthly fees on any loan.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

MA Money is an Australian non-bank lender providing flexible residential and commercial mortgage products to borrowers who fall outside mainstream lending criteria. Its portfolio spans tiered residential products (Prime, Near Prime, Near Prime Plus, Specialist) plus specialist loans for vacant land, bridging, expatriates, non-residents, SMSF borrowers, and commercial property. All loans are distributed exclusively through accredited mortgage brokers supported by ApplyOnline, PropertyHub, and the Loan Finder eligibility tool.

Product overview

MA Money is a non-bank lender offering a comprehensive portfolio of loan products designed for borrowers who fall outside mainstream lending criteria. The product suite includes residential loans across four tiers (Prime, Near Prime, Near Prime Plus, and Specialist) catering to different credit profiles, along with specialist products for vacant land, bridging finance, expats, non-residents, and SMSF borrowers. Commercial lending solutions cover standard commercial loans and SMSF commercial property loans. All products are distributed exclusively through accredited mortgage brokers, with the company providing broker-facing tools including Loan Finder, serviceability calculators, and ApplyOnline lodgement. The company is backed by MA Financial Group and has been operating since 2004.

Differentiator

Problem solved

Functional benefit

Brands

• MA Money Prime: Premium residential loan product with borrow up to 90% LVR, no LMI, considering paid defaults up to $500.
• MA Money Near Prime
• MA Money Near Prime Plus
• MA Money Specialist
• MA Money More

Products and services

• MA Money Prime (Residential) Premium residential loan offering borrow up to 90% LVR with no LMI, accepting paid defaults up to $500. Targeted at borrowers with strong credit profiles seeking low-deposit, high-LVR financing without lender's mortgage insurance.
• MA Money Near Prime (Residential) Residential loan for borrowers with slightly impaired credit, offering up to 85% LVR with ATO and private debt consolidation, and accepting mortgage arrears up to 1 month within the last 6 months.
• MA Money Near Prime Plus (Residential) Residential loan with higher credit tolerance, accepting mortgage arrears up to 2 months within the last 6 months for borrowers with more recent credit difficulties.
• MA Money Specialist (Residential) Specialist residential loan offering up to 80% LVR with unlimited mortgage arrears and credit impairments accepted, plus up to $100k cash out for borrowers with the most complex credit histories.
• Vacant Land Loans Loans for purchasing or refinancing vacant land, with loan sizes from $100,000 to $5M and borrow up to 75% LVR for land-banking or future development borrowers.
• Bridging Loans Short-term loans for clients buying before selling, with loan amounts from $200K to $5M, 6-12 month terms, and capitalised interest options to bridge property transaction timing gaps.
• Expat Loans Loans for Australians living and working abroad, allowing use of 100% of net foreign income converted to AUD, borrow up to $5 million with up to 80% LVR for expat property financing.
• Non-Resident Loans Loans for non-residents purchasing Australian property with FIRB approval, loan size from $100,000 to $2M with up to 80% LVR for foreign buyers.
• SMSF Loans Self-managed super fund loans for residential and commercial property, with no liquidity or net asset testing, interest-only repayments, and loan terms up to 30 years for SMSF trustees.
• Commercial Loans Commercial property loans from $100K to $8M with terms up to 30 years and interest-only up to 10 years, supporting retail shops, offices, light industrial properties, and warehouses. Rates from 7.79%.
• SMSF Commercial Loans SMSF loans for commercial property from $100K to $2M, for retail, office, or light industrial use, with interest-only up to 5 years for SMSF commercial property investors.
• MA Money More Enhanced loan product line launched in November 2025 expanding MA Money's lending solutions portfolio for brokers and customers.

Quantifiable outcome

• 48-hour conditional approval SLA for full-packaged applications
• +4 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered minor.

• LMG CommercialminorChannel Partner/ Reseller/ Distributor · 15 June 2026MA Money joined the LMG Commercial lender panel in June 2026, expanding distribution reach for commercial loan products through LMG's broker network.
• Money Quest GroupminorChannel Partner/ Reseller/ Distributor · 27 January 2026MA Money joined the Money Quest Group lender panel in January 2026, providing access to Money Quest's network of mortgage brokers for residential and commercial loan distribution.

Scale indicators8 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• La Trobe Financial: Large Australian non-bank lender and asset manager offering residential, commercial, and SMSF loans via brokers, with a focus on credit-impaired and self-employed borrowers comparable to MA Money's specialist positioning.
• Firstmac: Australian non-bank lender offering residential, investment, and car loans through brokers and direct channels; competes with MA Money in the broker-distributed non-bank segment with a sizable loan book.
• Resimac: Australian non-bank lender providing prime, near-prime, and specialist residential and commercial loans through the broker channel — directly overlaps with MA Money's product tiers and target customer profiles.
• Bluestone Mortgages: Specialist Australian non-bank lender focused on self-employed and near-prime residential borrowers distributed through mortgage brokers — a close niche competitor to MA Money in alt-doc and non-conforming lending.
• Pepper Money: One of Australia's largest non-bank specialist lenders offering residential, commercial, and asset finance for self-employed, credit-impaired, and non-conforming borrowers — directly comparable to MA Money in product mix, target segments, and broker-led distribution.
• RedZed (formerly Mortgage Ezy): Specialist Australian non-bank residential lender focused on self-employed, credit-impaired, and SMSF borrowers distributed through brokers — a direct niche competitor to MA Money in the specialist lending category.
• Liberty Financial: Major Australian non-bank lender with similar specialist focus on non-conforming residential and SMSF lending, distributed through mortgage brokers; competes head-to-head with MA Money in the same broker panel rankings.

Broad incumbents

• Aussie Home Loans: Large Australian mortgage broker and lender with broad prime and select non-conforming products; broader product portfolio and larger scale than MA Money, but competes for the same broker-distributed residential borrower demand.
• Macquarie Bank (Mortgage Division): Major Australian bank with a significant mortgage business and growing specialist / non-conforming exposure; competes for the upper end of the non-bank segment and could compress MA Money's specialist economics with deeper balance sheet capacity.

Emerging players

• Wisr Limited: Australian fintech non-bank lender offering personal and secured consumer credit with a digital-first model; an emerging player in the non-bank space with partial overlap to MA Money's near-prime and alt-doc target borrower segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mamoney

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MA Money