MA Money

Please join us in welcoming Paul Liccione, our newest Business Development Manager at MA Money! 🙌 With over 20 years of experience in the mortgage industry, Paul has a wealth of knowledge from working with major lenders, broker groups, aggregators, and non-bank lenders. Known for his focus on speed, certainty, and client-first service, Paul sees himself as an extension of the brokers’ teams he supports. 🤝 We’re excited to have Paul on board and know he’ll bring outstanding value to our broker partners and clients. Please join us in welcoming him to the MA Money family! #DreamTeam #MAMoney #BusinessDevelopment #BrokerSupport #NonBankLending #MortgageIndustry Affie Mansouri Alastair McCosh Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Sarin Yedelian Tim Lemon MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

🚨 Spring Offer extended – even more discounts! Thanks to broker feedback, our Spring Offer is now extended until 30 November with even better rates! 🌸 Here’s the details: • 50% off Loadings: Investor & Interest Only loadings down to 0.15%, loan size >$1.5m-2m down to 0.20% • Risk Fee Discounts: 0% on Prime Alt Doc loans up to 80% LVR 0% on Prime loans $2M–$3M 0.75% for loans > $3M • Rate Discounts: Prime Full Doc and Alt Doc loans up to 80% LVR at 7.14% (comparison rate 7.20%*) Whether it's for self-employed borrowers, expats, or investors, now’s the time to secure the right financing at the right rate. This limited-time offer is available for new loans submitted between 4 and 30 November 2024, settled by 28 February 2025. 🔗 Find out more: https://lnkd.in/gDJxcb5v #MortgageBroker #SpringOffer #NonBankLending #MAMoney Affie Mansouri Alastair McCosh Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Paul Liccione Sarin Yedelian Tim Lemon *Comparison rate is calculated on a $150,000 secured loan, over a 25-year term. WARNING: Comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. T&Cs, fees and lending criteria apply. MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

🔍 MA Money FAQs 🔍 Q: What details are we looking for when assessing an Alt Doc loan? A: To kick off, let’s break down how we calculate Alt Doc income: 📝 Income Declared = Net Profit (Turnover– Business Costs) Example: If a client’s business turnover is $1 million a year, with expenses at $800k, their net profit is $200k. If they’re a 100% shareholder, they can declare that full $200k as income. But we know brokers understand their customers’ businesses in detail. These insights make for a smoother application process and help us get the right picture: • What does the customer do to generate business? • How long have they been trading? • Where is their business based? • Do they have staff? • Do they own their premises or have a website? For example, we recently received a loan application for a taxi driver declaring a substantial income. At first, this raised some questions. After we reached out, the broker provided more context: their client actually owned three taxis outright with six drivers working around the clock in Inner Sydney. With this clarification, the income made sense—and we were able to proceed with the loan. ✅ 📲 Want to discuss Alt Doc loan options for a client? Speak to your MA Money BDM today! https://lnkd.in/gUa4QJeN #AltDocLoans #BrokerSupport #MAMoney #NonBankLending #FlexibleSolutions #FAQs Affie Mansouri Alastair McCosh Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Sarin Yedelian Tim Lemon T&Cs, fees and lending criteria apply. MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

🌸 Final Days to Save with MA Money’s Spring Offer! We’re thrilled to share another success story where our Spring Offer helped an expat client save while growing their property portfolio. A broker’s Australian client living in the Middle East had big plans to invest in property, and with MA Money's Expat Loan, we were able to help make it happen: ✅ Accepted 100% of their tax-free income with no shading 🌟 Spring Offer Savings: 0.15% off investment loading, cutting their costs even more! But hurry—the Spring Offer ends this Friday, 1 November! Here’s what’s available until then: 🔸 50% off loadings 🔸 No risk fee for Prime Alt Doc up to 80% LVR 🔸 0.75% risk fee for loans over $2m 🔸 Rate discounts With only a few days left, this is the last chance to take advantage of our Spring Offer. If you have clients who could benefit, reach out to secure the savings today! 🌸 https://lnkd.in/gUa4QJeN #MortgageBroker #ExpatLoans #SpringOffer #NonBankLending #PropertyInvesting #MAMoney Affie Mansouri Alastair McCosh Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Paul Liccione Sarin Yedelian Tim Lemon T&Cs, fees and lending criteria apply. MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

We've had some fantastic outcomes since launching our Spring Offer! Here's a real-life scenario where it made all the difference a broker's client. 👇 A broker came to us with a client struggling to find a lender who could help. Their paperwork was all over the place, and after multiple rejections, we stepped in to structure a deal—a refinance of vacant land with cash out for an off-market home purchase. Thanks to our Spring Offer, we were able to: ✅ Save 0.15% on their Interest Only Vacant Land loan ✅ Waive the risk fee on their Prime Alt Doc home loan, saving 0.50%! What’s more, their previous lender couldn’t meet the 5pm Friday pre-approval deadline. We received the application that morning and had conditional approval by 4pm that afternoon. 🙌 With our Spring Offer still running until 1 Nov 2024, now’s the time to help your clients save: 🌟 50% off loadings 🌟 No risk fee for Prime Alt Doc up to 80% LVR 🌟 0.75% risk fee for loans over $2m 🌟 Rate discounts starting from 7.14% Got clients in mind? Let's chat! 💬 https://lnkd.in/gUa4QJeN The Spring Offer applies to loans submitted between 20 Sep 2024 and 1 Nov 2024 and settled by 31 Jan 2025. #SpringOffer #RealScenario #VacantLand #Equity #RiskFeeDiscount #BrokerSuccess #AltDoc #NonBankLending #MAMoney #MortgageBrokers Affie Mansouri Alastair McCosh Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Sarin Yedelian Tim Lemon T&Cs, fees and lending criteria apply. MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

We're excited to have Tim Lemon, Alastair McCosh, and Sarin Yedelian representing MA Money at the Finsure National Summit today! If you're attending, make sure to drop by the MA Money stand and say hello 👋. We’ve got great conversations waiting and a chance to win a wireless speaker lamp in our prize draw! 🎁 Come chat with our team about how we can support your business with flexible lending solutions and exceptional broker support! #FinsureNationalSummit2024 #MAMoney #BrokerSupport #DreamTeam #NonBankLending #MortgageBrokers Affie Mansouri Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

A huge congratulations to Sarin Yedelian and Alastair McCosh who have both been named finalists for the Finsure Non-Bank BDM of the Year, to be announced at the 2024 Finsure National Summit! 🌟 This recognition highlights their dedication, expertise, and commitment to supporting brokers with tailored solutions and top-tier service. Good luck Sarin and Alastair! We’re incredibly proud of you both and wish you all the best at the awards! 🏆 #FinsureNationalSummit2024 #NonBankBDM #BrokerSupport #MAMoney #MortgageBrokers #NonBankLending Affie Mansouri Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Tim Lemon MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

What a fantastic night at the Australian Mortgage Awards on Friday! 🤩 As always, it was an amazing industry event, bringing together so many talented professionals who continue to push the boundaries of excellence in the mortgage space. 👏 A huge congratulations to all the winners! Your hard work and dedication continue to inspire the entire industry. We were proud to be part of the night as the official Photobooth sponsor, adding some extra fun to the celebrations! 📸✨ #AustralianMortgageAwards #MortgageBrokers #MAMoney #NonBankLending #DreamTeam Affie Mansouri Alastair McCosh Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Sarin Yedelian Tim Lemon Katie Bell MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

We’re proud to announce that MA Money has made our very first appearance in Mortgage Professional Australia's Brokers on Non-Banks survey! 🎉 🏅 We’re proud to have been recognised with: - Silver for Commission Structure - Bronze for BDM Support - Bronze for Turnaround Times A big thank you to the brokers who voted for us and to our incredible team for their ongoing commitment to providing top-tier service and innovative solutions. This recognition motivates us to keep delivering the best for our broker partners and their clients! 💪 #BrokerSupport #MAMoney #NonBankLending #MortgageBrokers #MPA #BrokersonNonBanks Affie Mansouri Alastair McCosh Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Sarin Yedelian Tim Lemon MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267

🌏 MA Money’s Expat Loan just got even better! 🌏 We’ve enhanced our Expat Loan to give your clients more flexibility and greater borrowing power. Here’s a look at the key features: Key features include: 🔹 Assessed like a residential loan, with the same documentation requirements. 🔹 Use 100% of net income for servicing, once converted to AUD. 🔹 Cash out available up to max LVR. 🔹 We support Australians living onshore but receiving income from overseas. 🔹 Available to Australian citizens or Permanent Resident visa holders. 🔹 Accept PAYG and self-employed income. 🔹 Accept up to 1 month mortgage arrears. 🔹 Clients with up to $3,000 in impairments over the last 12 months are eligible—paid or unpaid. Defaults over $3,000 accepted if listed for 12 months and paid. Whether your clients are working abroad or receiving income from overseas, we’ve got the right solutions to meet their needs. 📲 Speak to your BDM today for more details! https://lnkd.in/gUa4QJeN #ExpatLoan #MortgageSolutions #NonBankLending #BrokerSupport #FlexibleLending #MAMoney Affie Mansouri Alastair McCosh Andrew O. Chitresh Luthra (Avi) Catherine Fury Dean Cherry Gabrielle Aoun Harry Stewart Jamie Hall Kelly Lam Kristina Barac Maya Peranovic Melanie de Jager MyAnh Nguyen Sarin Yedelian Tim Lemon T&Cs, fees and lending criteria apply. MA Money Financial Services Pty Ltd ACN 639 174 315 Australian Credit Licence Number 522267