Commercial SMSF Loan
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.
- 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 |
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
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 — $3,000,000.00The maximum loan balance is $3,000,000
- Minimum balance — $100,000.00Minimum loan balance is $100,000
Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right · Last updated 10 May 2026 · Product ID 3004 · View on CDR.gov.au · View Source Data (JSON)