---
title: "SMSF Commercial Loan – Prime — MA Money"
description: "Business Loans from MA Money. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ma-money/products/bbbb08ad-76a0-410a-8c81-2b97cce403df
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-26T05:54:09Z
---

# SMSF Commercial Loan – Prime — MA Money

> Business Loans from MA Money. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans · MA Money Financial Services Pty Ltd**

MA Money SMSF Commercial Loan for Self Managed Superannuation Funds. Loans from $100,000 up to $8m, with maximum 80% LVR and LVR-specific loan caps. Available for investment or owner-occupied commercial property purchase or refinance of an existing SMSF loan. Risk fee 1.00% at all LVRs. No interest-only loading. A +0.80% large-loan loading applies to loan amounts above $4m. No offset or redraw.

## At a glance

- **From (owner occupied):** 7.59% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (SMSF Commercial – LVR ≤65% – OO P&I. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $4m at LVR up to 65%.) | 7.59% | — | SMSF Commercial – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (SMSF Commercial – LVR ≤70% – OO P&I. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $4m at LVR up to 70%.) | 7.69% | — | SMSF Commercial – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (SMSF Commercial – LVR ≤75% – OO P&I. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $3m at LVR up to 75%.) | 7.89% | — | SMSF Commercial – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (SMSF Commercial Large Loan – LVR ≤65% – Owner Occupied P&I. Includes the +0.80% loading for loan amounts above $4m to $8m. No interest-only loading applies. · Applies to loan amounts above $4m and up to $8m at LVR up to 65%. The +0.80% large-loan loading is included.) | 8.39% | — | SMSF Commercial Large Loan (>$4m to $8m) – LVR ≤65% – OO P&I; Loan amount $4,000,001–$8,000,000 |
| Variable (SMSF Commercial Large Loan – LVR ≤70% – Owner Occupied P&I. Includes the +0.80% loading for loan amounts above $4m to $7m. No interest-only loading applies. · Applies to loan amounts above $4m and up to $7m at LVR up to 70%. The +0.80% large-loan loading is included.) | 8.49% | — | SMSF Commercial Large Loan (>$4m to $7m) – LVR ≤70% – OO P&I; Loan amount $4,000,001–$7,000,000 |
| Variable (SMSF Commercial – LVR ≤80% – OO P&I. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $2.5m at LVR up to 80%.) | 8.79% | — | SMSF Commercial – LVR ≤80%; Loan amount $100,000–$2,500,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (SMSF Commercial – LVR ≤65% – OO IO. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $4m at LVR up to 65%.) | 7.59% | — | SMSF Commercial – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (SMSF Commercial – LVR ≤70% – OO IO. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $4m at LVR up to 70%.) | 7.69% | — | SMSF Commercial – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (SMSF Commercial – LVR ≤75% – OO IO. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $3m at LVR up to 75%.) | 7.89% | — | SMSF Commercial – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (SMSF Commercial Large Loan – LVR ≤65% – Owner Occupied IO. Includes the +0.80% loading for loan amounts above $4m to $8m. No interest-only loading applies. · Applies to loan amounts above $4m and up to $8m at LVR up to 65%. The +0.80% large-loan loading is included.) | 8.39% | — | SMSF Commercial Large Loan (>$4m to $8m) – LVR ≤65% – OO IO; Loan amount $4,000,001–$8,000,000 |
| Variable (SMSF Commercial Large Loan – LVR ≤70% – Owner Occupied IO. Includes the +0.80% loading for loan amounts above $4m to $7m. No interest-only loading applies. · Applies to loan amounts above $4m and up to $7m at LVR up to 70%. The +0.80% large-loan loading is included.) | 8.49% | — | SMSF Commercial Large Loan (>$4m to $7m) – LVR ≤70% – OO IO; Loan amount $4,000,001–$7,000,000 |
| Variable (SMSF Commercial – LVR ≤80% – OO IO. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $2.5m at LVR up to 80%.) | 8.79% | — | SMSF Commercial – LVR ≤80%; Loan amount $100,000–$2,500,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (SMSF Commercial – LVR ≤65% – Inv P&I. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $4m at LVR up to 65%.) | 7.59% | — | SMSF Commercial – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (SMSF Commercial – LVR ≤70% – Inv P&I. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $4m at LVR up to 70%.) | 7.69% | — | SMSF Commercial – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (SMSF Commercial – LVR ≤75% – Inv P&I. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $3m at LVR up to 75%.) | 7.89% | — | SMSF Commercial – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (SMSF Commercial Large Loan – LVR ≤65% – Investment P&I. Includes the +0.80% loading for loan amounts above $4m to $8m. No interest-only loading applies. · Applies to loan amounts above $4m and up to $8m at LVR up to 65%. The +0.80% large-loan loading is included.) | 8.39% | — | SMSF Commercial Large Loan (>$4m to $8m) – LVR ≤65% – Inv P&I; Loan amount $4,000,001–$8,000,000 |
| Variable (SMSF Commercial Large Loan – LVR ≤70% – Investment P&I. Includes the +0.80% loading for loan amounts above $4m to $7m. No interest-only loading applies. · Applies to loan amounts above $4m and up to $7m at LVR up to 70%. The +0.80% large-loan loading is included.) | 8.49% | — | SMSF Commercial Large Loan (>$4m to $7m) – LVR ≤70% – Inv P&I; Loan amount $4,000,001–$7,000,000 |
| Variable (SMSF Commercial – LVR ≤80% – Inv P&I. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $2.5m at LVR up to 80%.) | 8.79% | — | SMSF Commercial – LVR ≤80%; Loan amount $100,000–$2,500,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (SMSF Commercial – LVR ≤65% – Inv IO. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $4m at LVR up to 65%.) | 7.59% | — | SMSF Commercial – LVR ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (SMSF Commercial – LVR ≤70% – Inv IO. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $4m at LVR up to 70%.) | 7.69% | — | SMSF Commercial – LVR ≤70%; Loan amount $100,000–$4,000,000 |
| Variable (SMSF Commercial – LVR ≤75% – Inv IO. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $3m at LVR up to 75%.) | 7.89% | — | SMSF Commercial – LVR ≤75%; Loan amount $100,000–$3,000,000 |
| Variable (SMSF Commercial Large Loan – LVR ≤65% – Investment IO. Includes the +0.80% loading for loan amounts above $4m to $8m. No interest-only loading applies. · Applies to loan amounts above $4m and up to $8m at LVR up to 65%. The +0.80% large-loan loading is included.) | 8.39% | — | SMSF Commercial Large Loan (>$4m to $8m) – LVR ≤65% – Inv IO; Loan amount $4,000,001–$8,000,000 |
| Variable (SMSF Commercial Large Loan – LVR ≤70% – Investment IO. Includes the +0.80% loading for loan amounts above $4m to $7m. No interest-only loading applies. · Applies to loan amounts above $4m and up to $7m at LVR up to 70%. The +0.80% large-loan loading is included.) | 8.49% | — | SMSF Commercial Large Loan (>$4m to $7m) – LVR ≤70% – Inv IO; Loan amount $4,000,001–$7,000,000 |
| Variable (SMSF Commercial – LVR ≤80% – Inv IO. No interest only loading applies for commercial loans. · Base SMSF Commercial rate applies to loan amounts up to and including $2.5m at LVR up to 80%.) | 8.79% | — | SMSF Commercial – LVR ≤80%; Loan amount $100,000–$2,500,000 |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee — No application fee. Excludes GST. | Upfront | $0.00 |
| Monthly Fee — Charged monthly · Monthly fee of $25. Charged monthly on the loan anniversary date. Excludes GST. | Ongoing | $25.00 |
| Valuation Fee — Valuation fees at cost, paid prior to ordering via Property Hub. Full valuations only for SMSF Commercial. Excludes GST. | Event | From $0.00 |
| Legal Fee — Legal fee from $750. Excludes GST. | Event | From $750.00 |
| Discharge Fee — Discharge fee from $550. Excludes GST. | Exit | From $550.00 |
| Risk Fee — Risk fee 1.00% of loan amount at all LVRs up to 80% for SMSF Commercial loans. Excludes GST. | Upfront | 1% of balance |
| Early Repayment Fee — 2% of the original loan amount if the loan is fully repaid within the first 3 years. No early repayment fee after 3 years. Excludes GST. | Exit | 2% of balance |

## Features

- **Designed for Self Managed Superannuation Funds using a bare trust (Property Trust) structure. Corporate or individual SMSF trustees accepted. No liquidity or net asset testing required.**
- **Interest Only available up to 5 years. No IO loading applies.**
- **Offset accounts and redraw facilities are not available for SMSF loans under LRBA requirements.**
- **No annual review or revaluations required.**
- **No clawbacks on SMSF Commercial Loans.**

## Eligibility

- **SMSF Trustee (corporate or individual) required. Property held on Property Trust by a Property Trustee. Security trustee must provide guarantee limited to security property. Maximum 6 SMSF members. Personal guarantee from all members limited to loan amount.**
- **Independent legal advice mandatory for all SMSF Trustee borrowers and guarantors. Prior legal advice accepted for refinances.**
- **Available for purchase of investment or owner-occupied commercial property, or refinance of an existing SMSF commercial loan. Equity release and cash out are not available.**
- **Prime credit quality required for all SMSF members. Aggregate paid defaults up to $1,000 may be considered. See MA Money’s SMSF Rate and Product Guide for full criteria.**
- **Serviceability assessed entirely within the SMSF. DSCR > 1.0x. No ICR requirement for SMSF Commercial. No liquidity or net asset testing. 90% rental income assessed. See MA Money's SMSF Rate and Product Guide for details.**
- **Commercial property zoned commercial or similar, situated in Australia, secured by a first registered mortgage. Category 1, 2 and 3 locations accepted where commercial property is the highest and best use and a commercial valuation is held. The security must meet the definition of a single acquirable asset under the Superannuation Industry (Supervision) Act 1993.**
- **Loan term 5 to 30 years. Maximum Interest Only term 5 years. No IO loading.**
- **Category 1: maximum loan $8m. Category 2: maximum loan $3m. Category 3: maximum loan $500k. LVR-specific maximum loan amounts apply: $8m at 65%, $7m at 70%, $3m at 75%, and $2.5m at 80%.**
- **PAYG members: two most recent payslips (dated within 45 days). Self-Employed: 1 year personal (and if applicable company/trust) tax return, no older than 21 months. Executed SMSF Trust Deed and Security Trust Deed required. See MA Money's SMSF Rate and Product Guide for full documentation requirements.**

## Constraints

- **Minimum limit** — $100,000.00 (Minimum loan $100,000.)
- **Maximum limit** — $8,000,000.00 (SMSF Commercial: maximum loan amount $8m for LVR up to and including 65.00%.)
- **Maximum limit** — $7,000,000.00 (SMSF Commercial: maximum loan amount $7m for LVR greater than 65.00% and up to and including 70.00%.)
- **Maximum limit** — $3,000,000.00 (SMSF Commercial: maximum loan amount $3m for LVR greater than 70.00% and up to and including 75.00%.)
- **Maximum limit** — $2,500,000.00 (SMSF Commercial: maximum loan amount $2.5m for LVR greater than 75.00% and up to and including 80.00%.)
- **Maximum limit** — $8,000,000.00 (Category 1 maximum loan amount $8m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum limit** — $3,000,000.00 (Category 2 maximum loan amount $3m, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum limit** — $500,000.00 (Category 3 maximum loan amount $500k, subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR 80%, subject to the applicable loan amount, documentation type, postcode category and security conditions.)

## More information from MA Money

- [Overview](https://www.mamoney.com.au/brokers/resources/rate-product-information/smsf-guide/)
- [Terms & conditions](https://www.mamoney.com.au/terms-conditions/)
- [Eligibility](https://www.mamoney.com.au/brokers/resources/rate-product-information/smsf-guide/)
- [Fees & pricing](https://www.mamoney.com.au/brokers/resources/rate-product-information/smsf-guide/)

## Data provenance

- Published by MA Money under the Consumer Data Right
- Product ID: `bbbb08ad-76a0-410a-8c81-2b97cce403df`
- Last updated by the provider: 26 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ma-money/bbbb08ad-76a0-410a-8c81-2b97cce403df
- Provider page: https://www.cdrcompare.au/brands/ma-money

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ma-money/products/bbbb08ad-76a0-410a-8c81-2b97cce403df) — 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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)