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Our SMSF Loans

SMSF Loan Interest Rate Monthly Repayment Product Features Details

SMSF Commercial 70

7.99 %   p.a. $3,665
  • Purchase and refinance commercial property
  • No settlement fee
  • 30% deposit minimum
Enquire now

SMSF Commercial 80

8.69 %   p.a. $3,912
  • Purchase and refinance commercial property
  • No settlement fee
  • 20% deposit minimum
Enquire now

SMSF Commercial 80 (Fixed 2 Years)

8.14 %   p.a. $3,718
  • Purchase and refinance commercial property
  • 90 day rate lock option available
  • 20% deposit minimum
Enquire now

SMSF Commercial 80 (Fixed 3 Years)

8.09 %   p.a. $3,700
  • Purchase and refinance commercial property
  • 90 day rate lock option available
  • 20% deposit minimum
Enquire now

SMSF Commercial 80 (Fixed 5 Years)

8.29 %   p.a. $3,770
  • Purchase and refinance commercial property
  • 90 day rate lock option available
  • 20% deposit minimum
Enquire now
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

Why get our SMSF Commercial Loan?

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No monthly or ongoing fees

We don’t charge any monthly, annual or ongoing fees, so you can save thousands and focus on what is important to you.

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Online access
 

Access your SMSF loan via our easy-to-use online app Smart Money.

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Unlimited extra repayments**

Pay off your SMSF loan sooner with unlimited extra repayments

$0

Application fee

As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.

$0

Monthly or annual fees

In addition to our great low rates, we don’t charge you any ongoing fees.

$0

Settlement fee

There won’t even be any fees at settlement time!

Get started

Ready to start saving on your current SMSF Commercial Loan? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can settle sooner.

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Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your SMSF Commercial application for you.

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Ready to apply?

Call 13 10 90 or select “Apply Now” to begin your online SMSF Commercial application.

SMSF Commercial Home Loan Rates

SMSF Commercial Loan Rates

Product Name

Max LVR

Principal & Interest Rate p.a.

Interest Only Rate p.a.

SMSF Commercial Loan

70%

7.99%

NA

 

80%

8.69%

NA

SMSF Commercial 80 (Fixed 2 years)

80%

8.14%.

NA

SMSF Commercial 80 (Fixed 3 years)

80%

8.09%.

NA

SMSF Commercial 80 (Fixed 5 years)

80%

8.29%.

NA

SMSF Commercial Loan
Principal & Interest

70% MAX LVR
7.99%

Variable rate p.a.

80% MAX LVR
8.69%

Variable rate p.a.

SMSF Commercial 80 (Fixed 2 years)
Principal & Interest

80% MAX LVR
8.14%

Fixed rate p.a.

SMSF Commercial 80 (Fixed 3 years)
Principal & Interest

80% MAX LVR
8.09%

Fixed rate p.a.

SMSF Commercial 80 (Fixed 5 years)
Principal & Interest

80% MAX LVR
8.29%

Fixed rate p.a.

Want to see more home loan options? Compare our home loans

Want to see more home loan options? Compare our home loans

What is a SMSF Commercial Loan?

With a SMSF Commercial Loan you can borrow up to 80% LVR to buy a commercial property through your self-managed super fund (SMSF). This could potentially help your SMSF enjoy higher rental yields, secure longer leasing tenants with more stable cashflows and diversify your portfolio.

In fact, if you run a business and currently rent an office, garage, shop, childcare facility, factory, warehouse, industrial property or any other similar premise then you could benefit even more. Eligible commercial property owned in your SMSF is exempt from related party acquisition rules, so your business could rent the property from your SMSF and help service the SMSF Commercial loan.

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Frequently asked questions

Yes. Your SMSF can buy any eligible commercial property that satisfies the sole purpose test, meets the definition of a business real property and satisfies the business use test.

Yes. You can lease the property to anyone, including your business, as long as the lease is done at market rates and the premise is used wholly and exclusively for business activities. 

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

Yes. When your super benefits are inadequate to buy a commercial property, your SMSF can borrow money to buy property via a bare trust and a Limited Recourse Borrowing Arrangement (LBRA).

Yes. Any property used wholly and solely for business can be transferred to your SMSF. Doing so must satisfy the sole purpose test of contributing to the retirement savings of SMSF members.

An LRBA lets an SMSF trustee borrow from a third-party lender like loans.com.au to buy a property held in a separate bare trust. If the loan defaults, the lender’s rights are limited to the property.

You cannot borrow money to fund major renovations, but they are allowed if funded using cash from your SMSF and the renovations satisfy the sole purpose test.

Yes. It is possible to sublet part of a commercial property owned by an SMSF if doing so satisfies the Sole Purpose Test and the SMSF trust deed allows the sublease under a separate lease agreement.

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

The sole purpose test sets the acceptable reasons for which a SMSF can operate, these being to provide member benefits only after retirement, on reaching retirement age or on their death.

Calculate your SMSF Borrowing Capacity

If you’re thinking about leveraging your SMSF to invest in property, you should check out our SMSF borrowing calculator. Fill out your information, and we can estimate your maximum SMSF borrowing capacity on an investment property.

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Your estimated results

Based on the data you have supplied, we estimate you can borrow:

$311,847

Looking for a low rate SMSF commercial loan? loans.com.au SMSF commercial loans has a competitive rate loan in the market.

7.99%
variable rate p.a.^
Purchase and refinance commercial property
No settlement fee
No monthly or ongoing fees
FIND OUT MORE

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Our home loan application process

1
Apply online

Apply online

Simply fill out your application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2
Goodbye paperwork

Goodbye paperwork

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

3
Settle & save

Settle & save

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

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25 Feb 2024

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31 Jan 2024

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Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

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17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

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16 Dec 2023

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12 Dec 2023

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Our experienced lending specialists can answer any questions you have and how we can help you to start saving on your SMSF loan.

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