{
  "source": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/3004",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "BNK Bank (Goldfields Money/BCHL)",
    "description": "The Gold Commercial Self Managed Super Fund (SMSF) Loan is designed to provide loans to authorized Australian Self-Managed Super Funds for the purpose of purchasing or refinancing commercial investment property. Available to PAYG and Self-Employed Applicants.",
    "isTailored": false,
    "lastUpdated": "2026-05-10T20:05:01.021902Z",
    "name": "Commercial SMSF Loan",
    "productCategory": "BUSINESS_LOANS",
    "productId": "3004",
    "additionalInformation": {
      "overviewUri": null,
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": null,
    "brandName": "BNK Bank (Goldfields Money/BCHL)",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalInfo": "The maximum loan balance is $3,000,000",
        "additionalInfoUri": null,
        "additionalValue": "3000000.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": "Minimum loan balance is $100,000",
        "additionalInfoUri": null,
        "additionalValue": "100000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "EMPLOYMENT_STATUS",
        "additionalInfo": "The Borrower must be able to satisfy Better Choice’s credit criteria. Serviceability will be\nundertaken solely from the SMSF itself. The SMSF must be able to service the loan from\nexisting SMSF income and assets, proposed rental income and mandatory members’\ncontributions.",
        "additionalInfoUri": "https://d9a7lp1kie9ya.cloudfront.net/2025/12/TMD-Gold-Commercial-SMSF-Variable-Rate-Loan-FINAL-20251222.pdf",
        "additionalValue": "self-managed superannuation fund (SMSF) corporate trustees who, acting in accordance with the Superannuation Industry (Supervision) Act 1993 (Cth) "
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "SMSF Trustee (Borrower)\nThe SMSF trustee must be a corporate trustee (where all beneficiaries must be directors\nof the trustee company), on behalf of a SMSF.\nProperty Trustee (Mortgagor)\nThe property trustee must be a corporate trustee (and must be a different company to\nthe SMSF company trustee).\nThe property trustee can be another company owned or controlled by a member of the\nSMSF, but not an individual member of the SMSF.\nPersonal Guarantees from all SMSF beneficiaries\nAll directors and shareholders and beneficiaries of the SMSF are required to provide\nunconditional joint and several guarantees. This is in addition to the standard\nrequirements for trust borrowers.",
        "additionalInfoUri": "https://d9a7lp1kie9ya.cloudfront.net/2025/12/TMD-Gold-Commercial-SMSF-Variable-Rate-Loan-FINAL-20251222.pdf",
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Option to split loan ",
        "additionalInfoUri": "https://betterchoice.com.au/commercial-introducer-portal/commercial-fact-sheets/",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "REDRAW",
        "additionalInfo": "This product offers redraw facility ",
        "additionalInfoUri": "https://betterchoice.com.au/commercial-introducer-portal/commercial-fact-sheets/",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Security Location - [80% LVR  – Cat 1],  [75%  LVR – Cat 2], [70% LVR – Cat 3]",
        "additionalInfoUri": "https://betterchoice.com.au/commercial-introducer-portal/commercial-fact-sheets/",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Maximum loan term - 30 years",
        "additionalInfoUri": "https://betterchoice.com.au/commercial-introducer-portal/commercial-fact-sheets/",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Up to  5 year interest only terms ",
        "additionalInfoUri": "https://betterchoice.com.au/commercial-introducer-portal/commercial-fact-sheets/",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking is available for this product - Free internet and telephone transacting",
        "additionalInfoUri": "https://betterchoice.com.au/commercial-introducer-portal/commercial-fact-sheets/",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "If you have a variable loan you can make as many additional repayments as you want, with no penalty at anytime",
        "additionalInfoUri": "https://betterchoice.com.au/commercial-introducer-portal/commercial-fact-sheets/",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Maximum loan amount:\n$3,000,000 - 70% LVR (Cat 1)*, \n$2,500,000 - 75% LVR (Cat 1)*, \n$2,000,000 - 80% LVR (Cat 1)*, \n$2,000,000 - 75% LVR (Cat 2)^, \n$1,500,000 - 70% LVR (Cat 3)^.\n[^ in aggregate,   * in aggregate or one loan]\n \n",
        "additionalInfoUri": "https://betterchoice.com.au/commercial-introducer-portal/commercial-fact-sheets/",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "EXIT",
        "name": "Discharge Fee ",
        "additionalInfo": "Admin fee for discharging the loan",
        "additionalInfoUri": "https://d9a7lp1kie9ya.cloudfront.net/2025/11/BCHL-Commercial-Fees-Charges-101125.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Loan variation ",
        "additionalInfo": "Fees associated with varying the loan agreements ",
        "additionalInfoUri": "https://d9a7lp1kie9ya.cloudfront.net/2025/11/BCHL-Commercial-Fees-Charges-101125.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "PERIODIC",
        "name": "Annual fee ",
        "additionalInfo": "Annual Fee ",
        "additionalInfoUri": "https://d9a7lp1kie9ya.cloudfront.net/2025/11/BCHL-Commercial-Fees-Charges-101125.pdf",
        "additionalValue": "P12M",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EXIT",
        "name": "Early repayment fee ",
        "additionalInfo": "1.50% if discharged within 3 years \n(based on original loan amount)",
        "additionalInfoUri": "https://d9a7lp1kie9ya.cloudfront.net/2025/11/BCHL-Commercial-Fees-Charges-101125.pdf",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "variable",
        "fixedAmount": null,
        "rateBased": null,
        "variable": {
          "feeMinimum": "1.00",
          "feeMaximum": null
        },
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0819",
        "additionalInfo": "Commercial SMSF Loan 80% LVR P&I ",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.7501",
            "name": "LVR above 75% and equal to or less than 80%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.80",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "Additional 0.50% rate loading applicable for loans >$2M",
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "2750000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Commercial SMSF loans ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0754",
        "additionalInfo": "Commercial SMSF Loan - Up to 60% LVR P&I",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "LVR equal to or less than 60%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.60",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "Additional 0.50% rate loading applicable for loans >$2M",
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "5000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Commercial SMSF loans ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0774",
        "additionalInfo": "Commercial SMSF Loan Up to 60% LVR IO",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "minimumValue": "0.00",
            "name": "LVR equal to or less than 60%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.60",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "Additional 0.50% rate loading applicable for loans >$2M",
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "5000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Commercial SMSF loans ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.078",
        "additionalInfo": "Commercial SMSF Loan Up to 70% LVR P&I ",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.6001",
            "name": "LVR above 60% and equal to or less than 70%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.70",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "Additional 0.50% rate loading applicable for loans >$2M",
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "5000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Commercial SMSF loans ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.079",
        "additionalInfo": "Commercial SMSF Loan Up to 70% LVR IO ",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "minimumValue": "0.6001",
            "name": "LVR above 60% and equal to or less than 70%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.70",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "Additional 0.50% rate loading applicable for loans >$2M",
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "5000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Commercial SMSF loans ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0799",
        "additionalInfo": "Commercial SMSF Loan 75% LVR P&I ",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "tiers": [
          {
            "minimumValue": "0.7001",
            "name": "LVR above 70% and equal to or less than 75%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.75",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "Additional 0.50% rate loading applicable for loans >$2M",
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "3500000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Commercial SMSF loans ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.081",
        "additionalInfo": "Commercial SMSF Loan 75% LVR IO",
        "additionalInfoUri": "https://betterchoice.com.au/latest-rates/",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": "INVESTMENT",
        "repaymentType": "INTEREST_ONLY",
        "tiers": [
          {
            "minimumValue": "0.7001",
            "name": "LVR above 70% and equal to or less than 75%",
            "unitOfMeasure": "PERCENT",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "0.75",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "minimumValue": "100000.00",
            "name": "Loan Amount",
            "unitOfMeasure": "DOLLAR",
            "additionalInfo": "Additional 0.50% rate loading applicable for loans >$2M",
            "additionalInfoUri": null,
            "applicabilityConditions": [
              {
                "additionalInfo": null,
                "additionalInfoUri": null,
                "rateApplicabilityType": "NEW_ACCOUNTS",
                "additionalValue": null
              }
            ],
            "maximumValue": "3500000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "additionalInfo": "Rate applied to new Commercial SMSF loans ",
            "additionalInfoUri": null,
            "rateApplicabilityType": "NEW_ACCOUNTS",
            "additionalValue": null
          }
        ],
        "applicationType": "PERIODIC"
      }
    ],
    "instalments": null
  }
}