Non-bank lender's loan book has surpassed $8 billion following 127% growth in H1
MA Money has updated its lending policy, lifting borrowing capacity and broadening flexibility across its product range.
The most significant change is an increase to the maximum loan-to-valuation ratio (LVR) for Prime Full Doc and Alt Doc loans up to $5 million, rising from 75% to 80%.
The non-bank lender has also revised its valuations policy to permit Automated Valuation Models (AVMs) for Category 1 properties up to 80% LVR and $2 million. The maximum loan size for Category 3 locations has doubled from $500,000 to $1 million.
The changes follow a period of strong growth. MA Financial's recently published half-year results showed MA Money's loan book reached $7.5 billion at 30 June 2026, up 127% on the first half of 2025, and has since exceeded $8 billion.
"Our growth has given us the scale to continue investing in our products, policy and the support we provide to brokers," said Tim Lemon (pictured top right), national sales manager at MA Money.
"We're seeing more brokers turn to MA Money across an increasingly diverse mix of scenarios, and it's important that our policy continues to evolve with them. These changes are about giving brokers greater scope to find the right solution for their clients, while continuing to deliver the service and credit approach they expect from MA Money."
The broader update covers residential, vacant land, bridging, expat and commercial SMSF lending, along with revisions to income verification, valuations and credit policy.
"We've looked closely at where we can make meaningful changes to policy while maintaining a responsible and considered approach to credit," said Stephen Begnell (pictured top left), head of lending at MA Money. "The result is a broad set of updates that will allow us to consider more scenarios and give brokers more options when a deal doesn't fit neatly within traditional lending parameters."
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