--- title: "Commercial SMSF Loan — BNK Bank (Goldfields Money/BCHL)" description: "Business Loans from BNK Bank (Goldfields Money/BCHL). Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl/products/3004 source: "CDR Compare" language: en-AU last_updated: 2026-05-10T20:05:01.021902Z --- # Commercial SMSF Loan — BNK Bank (Goldfields Money/BCHL) > Business Loans from BNK Bank (Goldfields Money/BCHL). Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Business Loans** 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. ## At a glance - **From (investment):** 7.54% (Variable) ## Interest rates ### Investment — Principal & interest | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Commercial SMSF Loan - Up to 60% LVR P&I · Rate applied to new Commercial SMSF loans ) | 7.54% | — | LVR equal to or less than 60%; Loan Amount $100,000–$5,000,000 | | Variable (Commercial SMSF Loan Up to 70% LVR P&I · Rate applied to new Commercial SMSF loans ) | 7.8% | — | LVR above 60% and equal to or less than 70%; Loan Amount $100,000–$5,000,000 | | Variable (Commercial SMSF Loan 75% LVR P&I · Rate applied to new Commercial SMSF loans ) | 7.99% | — | LVR above 70% and equal to or less than 75%; Loan Amount $100,000–$3,500,000 | | Variable (Commercial SMSF Loan 80% LVR P&I · Rate applied to new Commercial SMSF loans ) | 8.19% | — | LVR above 75% and equal to or less than 80%; Loan Amount $100,000–$2,750,000 | ### Investment — Interest only | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Commercial SMSF Loan Up to 60% LVR IO · Rate applied to new Commercial SMSF loans ) | 7.74% | — | LVR equal to or less than 60%; Loan Amount $100,000–$5,000,000 | | Variable (Commercial SMSF Loan Up to 70% LVR IO · Rate applied to new Commercial SMSF loans ) | 7.9% | — | LVR above 60% and equal to or less than 70%; Loan Amount $100,000–$5,000,000 | | Variable (Commercial SMSF Loan 75% LVR IO · Rate applied to new Commercial SMSF loans ) | 8.1% | — | LVR above 70% and equal to or less than 75%; Loan Amount $100,000–$3,500,000 | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Discharge Fee — Admin fee for discharging the loan | Exit | $350.00 | | Loan variation — Fees associated with varying the loan agreements | Event | $250.00 | | Annual fee — Charged every 12 months · Annual Fee | Ongoing | $395.00 | | Early repayment fee — 1.50% if discharged within 3 years (based on original loan amount) | Exit | From $1.00 | ## Features - **Option to split loan ** - **Redraw facility** (This product offers redraw facility ) - **Security Location - [80% LVR – Cat 1], [75% LVR – Cat 2], [70% LVR – Cat 3]** - **Maximum loan term - 30 years** - **Up to 5 year interest only terms ** - **Digital banking** (Internet Banking is available for this product - Free internet and telephone transacting) - **Extra repayments** (If you have a variable loan you can make as many additional repayments as you want, with no penalty at anytime) - **Maximum loan amount: $3,000,000 - 70% LVR (Cat 1)*, $2,500,000 - 75% LVR (Cat 1)*, $2,000,000 - 80% LVR (Cat 1)*, $2,000,000 - 75% LVR (Cat 2)^, $1,500,000 - 70% LVR (Cat 3)^. [^ in aggregate, * in aggregate or one loan] ** ## Eligibility - **Employment status** — self-managed superannuation fund (SMSF) corporate trustees who, acting in accordance with the Superannuation Industry (Supervision) Act 1993 (Cth) (The Borrower must be able to satisfy Better Choice’s credit criteria. Serviceability will be undertaken solely from the SMSF itself. The SMSF must be able to service the loan from existing SMSF income and assets, proposed rental income and mandatory members’ contributions.) - **SMSF Trustee (Borrower) The SMSF trustee must be a corporate trustee (where all beneficiaries must be directors of the trustee company), on behalf of a SMSF. Property Trustee (Mortgagor) The property trustee must be a corporate trustee (and must be a different company to the SMSF company trustee). The property trustee can be another company owned or controlled by a member of the SMSF, but not an individual member of the SMSF. Personal Guarantees from all SMSF beneficiaries All directors and shareholders and beneficiaries of the SMSF are required to provide unconditional joint and several guarantees. This is in addition to the standard requirements for trust borrowers.** ## Constraints - **Maximum balance** — $3,000,000.00 (The maximum loan balance is $3,000,000) - **Minimum balance** — $100,000.00 (Minimum loan balance is $100,000) ## Data provenance - Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right - Product ID: `3004` - Last updated by the provider: 10 May 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/bnk-bank-goldfields-money-bchl/3004 - Provider page: https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000451 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/bnk-bank-goldfields-money-bchl/products/3004) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. 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