---
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: 2026-10-09T00:20:53Z
---

# 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 mortgage for eligible Self Managed Superannuation Funds purchasing or refinancing commercial property.

## At a glance

- **From (owner occupied):** 7.89% (Variable)

## Interest rates

### Owner occupied — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.89% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Available under Full Documentation.) | 7.99% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$4,000,000 |
| Variable (Available under Full Documentation.) | 8.24% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$3,000,000 |
| Variable (Available under Full Documentation.) | 8.69% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Available under Full Documentation.) | 9.19% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |

### Owner occupied — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.89% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Available under Full Documentation.) | 7.99% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$4,000,000 |
| Variable (Available under Full Documentation.) | 8.24% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$3,000,000 |
| Variable (Available under Full Documentation.) | 8.69% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Available under Full Documentation.) | 9.19% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.89% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Available under Full Documentation.) | 7.99% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$4,000,000 |
| Variable (Available under Full Documentation.) | 8.24% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$3,000,000 |
| Variable (Available under Full Documentation.) | 8.69% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Available under Full Documentation.) | 9.19% | — | Loan-to-value ratio 75.01–80%; Loan amount $100,000–$2,500,000 |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Available under Full Documentation.) | 7.89% | — | Loan-to-value ratio ≤65%; Loan amount $100,000–$4,000,000 |
| Variable (Available under Full Documentation.) | 7.99% | — | Loan-to-value ratio 65.01–70%; Loan amount $100,000–$4,000,000 |
| Variable (Available under Full Documentation.) | 8.24% | — | Loan-to-value ratio 70.01–75%; Loan amount $100,000–$3,000,000 |
| Variable (Available under Full Documentation.) | 8.69% | — | Loan-to-value ratio ≤65%; Loan amount $4,000,001–$8,000,000 |
| Variable (Available under Full Documentation.) | 8.79% | — | Loan-to-value ratio 65.01–70%; Loan amount $4,000,001–$7,000,000 |
| Variable (Available under Full Documentation.) | 9.19% | — | Loan-to-value ratio 75.01–80%; 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 $1,250. Excludes GST. | Event | From $1,250.00 |
| 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

- **Interest Only available up to 5 years.**
- **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.**
- **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.**
- **Commercial property zoned commercial or similar, situated in Australia, secured by a first registered mortgage. The security must be in an eligible postcode category 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.**
- **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.**
- **Offset accounts and redraw are not available for this product.**

## Constraints

- **Minimum limit** — $100,000.00
- **Maximum limit** — $2,500,000.00 (SMSF Commercial; applies at LVR greater than 75% and up to and including 80%.)
- **Maximum limit** — $3,000,000.00 (SMSF Commercial; applies at LVR greater than 70% and up to and including 75%.)
- **Maximum limit** — $7,000,000.00 (SMSF Commercial; applies at LVR greater than 65% and up to and including 70%.)
- **Maximum limit** — $8,000,000.00 (SMSF Commercial; applies at LVR up to and including 65%.)
- **Maximum limit** — $3,000,000.00 (Category 2 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum limit** — $500,000.00 (Category 3 product cap. Subject to the applicable product, documentation, LVR and security restrictions.)
- **Maximum LVR** — 80% (Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.)

## 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: 9 October 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.

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