Propel Commercial SMSF
Mortgage Ezy Propel Commercial SMSF loan for Self Managed Superannuation Funds securing commercial property. Loans from $100,000 to $2m. Maximum LVR 80%. Investment or Owner-Occupied (fund's own business premises). No application fee. Individual or corporate SMSF trustees accepted. No liquidity or net asset testing. 90% rental income assessed. No Credit Score, CCR or DTI. Risk fee 1.00%. IO loading +0.20%. Monthly fee $25.
- From (owner occupied)
- 7.69%
- Variable
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable SMSF Commercial – LVR ≤65% – OO P&I. | 7.69% | — | SMSF Commercial – LVR ≤65% |
| Variable SMSF Commercial – LVR ≤70% – OO P&I. | 7.79% | — | SMSF Commercial – LVR ≤70% |
| Variable SMSF Commercial – LVR ≤75% – OO P&I. | 7.99% | — | SMSF Commercial – LVR ≤75% |
| Variable SMSF Commercial – LVR ≤80% – OO P&I. | 8.89% | — | SMSF Commercial – LVR ≤80% |
Owner occupied — Interest only
| Type | Rate | Comparison |
|---|
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee No application fee. Excludes GST. | Upfront | $0.00 |
| Valuation Fee Valuation fees at cost, minimum $250. Minimum $50 cancellation fee per security. Excludes GST. | Event | From $250.00 |
| Funder's Legal Fee Legal fee from $750 plus disbursements. Disbursements unascertainable — Government charges, Solicitor Trust Review and PEXA fees estimated $500–$700. Excludes GST. | Event | From $750.00 |
| Settlement Fee No settlement fee. Excludes GST. | Event | $0.00 |
| Monthly Fee Charged monthly · Monthly fee $25. Excludes GST. | Ongoing | $25.00 |
| Discharge Fee Discharge fee from $500 plus agent costs. Excludes GST. | Exit | From $500.00 |
| Risk Fee Risk fee 1.00% of loan amount at all LVRs up to 80% for SMSF Commercial loans. Excludes GST. |
Features
- SMSF bare trust (Property Trust) structure. Corporate or individual trustees accepted. No minimum apartment or unit size restrictions.
- Offset accounts and redraw not available under LRBA requirements.
- IO available up to 5 years. IO loading +0.20%.
- No annual reviews or revaluations required.
- No clawbacks on Propel Commercial SMSF loans.
Eligibility
- SMSF Trustee (corporate or individual) required. Property held on Property Trust. Security trustee to provide guarantee limited to security property.
- Commercial property or vacant commercial land zoned commercial, situated in Australia, first registered mortgage. Category 1, 2 and 3 locations where commercial use is highest and best use and commercial valuation is held.
- Serviceability assessed inside the fund. 90% rental income assessed. No liquidity or net asset testing. No Credit Score, CCR or DTI. See Mortgage Ezy SMSF guide at mezy.com.au.
- Maximum loan term 30 years. IO available up to 5 years. IO loading +0.20%.
- Category 1: maximum $2m at ≤80% LVR. Category 2: maximum $2m at ≤70% LVR. Category 3: maximum $500k at ≤65% LVR.
- SMSF Trust Deed and Property Trust Deed required. PAYG: 2 recent payslips. Self-Employed: 1 year personal tax return and NOA. SMSF income evidence: latest SMSF annual return or 12 months CMA statements. See Mortgage Ezy SMSF guide at mezy.com.au.
Constraints
- Minimum limit — $100,000.00Minimum loan $100,000.
- Maximum limit — $2,000,000.00Maximum loan $2m at all LVRs up to 80% across all categories. Category 2: ≤70% LVR. Category 3: maximum $500k at ≤65% LVR.
- Maximum LVR — 80%Maximum LVR 80%, subject to loan amount, documentation type, postcode category, security type and credit assessment criteria.
More Information
Published by Mortgage Ezy under the Consumer Data Right · Last updated 13 July 2026 · Product ID b4ac8d98-3757-4650-8cc6-74f6993d7428