SMSF Commercial Loan – Prime

MA Money SMSF commercial mortgage for eligible Self Managed Superannuation Funds purchasing or refinancing commercial property.
Category: Business Loans  Last Updated October 1, 2026  Effective October 4, 2026

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information
Interest Rate
7.59% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  Loan-to-value ratio
Minimum: 0.0000 PERCENT Maximum: 0.6500 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 4000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.59%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.0000 PERCENT Maximum: 0.6500 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 4000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.59%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.0000 PERCENT Maximum: 0.6500 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 4000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.59%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.6501 PERCENT Maximum: 0.7000 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 4000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.69%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.6501 PERCENT Maximum: 0.7000 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 4000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.69%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.6501 PERCENT Maximum: 0.7000 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 4000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.69%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.6501 PERCENT Maximum: 0.7000 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 4000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.69%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.7001 PERCENT Maximum: 0.7500 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 3000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.89%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.7001 PERCENT Maximum: 0.7500 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 3000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.89%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.7001 PERCENT Maximum: 0.7500 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 3000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.89%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.7001 PERCENT Maximum: 0.7500 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 3000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 7.89%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.7501 PERCENT Maximum: 0.8000 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 2500000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.79%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.7501 PERCENT Maximum: 0.8000 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 2500000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.79%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.7501 PERCENT Maximum: 0.8000 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 2500000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.79%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.7501 PERCENT Maximum: 0.8000 PERCENT
  Loan amount
Minimum: 100000.00 Maximum: 2500000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.79%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.0000 PERCENT Maximum: 0.6500 PERCENT
  Loan amount
Minimum: 4000001.00 Maximum: 8000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.39%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.0000 PERCENT Maximum: 0.6500 PERCENT
  Loan amount
Minimum: 4000001.00 Maximum: 8000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.39%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.0000 PERCENT Maximum: 0.6500 PERCENT
  Loan amount
Minimum: 4000001.00 Maximum: 8000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.39%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.0000 PERCENT Maximum: 0.6500 PERCENT
  Loan amount
Minimum: 4000001.00 Maximum: 8000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.39%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.6501 PERCENT Maximum: 0.7000 PERCENT
  Loan amount
Minimum: 4000001.00 Maximum: 7000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.49%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.6501 PERCENT Maximum: 0.7000 PERCENT
  Loan amount
Minimum: 4000001.00 Maximum: 7000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.49%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Owner Occupied
  Loan-to-value ratio
Minimum: 0.6501 PERCENT Maximum: 0.7000 PERCENT
  Loan amount
Minimum: 4000001.00 Maximum: 7000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.49%, Comparison Rate 0.00%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  Loan-to-value ratio
Minimum: 0.6501 PERCENT Maximum: 0.7000 PERCENT
  Loan amount
Minimum: 4000001.00 Maximum: 7000000.00
  • Lending Rate Type: Variable
  • Interest Rate: 8.49%, Comparison Rate 0.00%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment

 Product Features

  • Other Additional Information: Interest Only available up to 5 years.
  • Other Additional Information: No annual review or revaluations required.
  • Other Additional Information: No clawbacks on SMSF Commercial Loans.

 Product Eligibility

  • Other Additional Information: 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.
  • Other Additional Information: Independent legal advice mandatory for all SMSF Trustee borrowers and guarantors. Prior legal advice accepted for refinances.
  • Other Additional Information: 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.
  • Other Additional Information: Prime credit quality required for all SMSF members. Aggregate paid defaults up to $1,000 may be considered.
  • Other Additional Information: 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.
  • Other Additional Information: 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.
  • Other Additional Information: Loan term 5 to 30 years.
  • Other Additional Information: 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.
  • Other Additional Information: Offset accounts and redraw are not available for this product.

 Bank Fees and Charges

  • Application Fee (Upfront), Amount: Not Listed.. Additional Information: No application fee. Excludes GST.
  • Monthly Fee (Periodic), Amount: Not Listed.. Additional Information: Monthly fee of $25. Charged monthly on the loan anniversary date. Excludes GST.
  • Valuation Fee (Event), Amount: Not Listed.. Additional Information: Valuation fees at cost, paid prior to ordering via Property Hub. Full valuations only for SMSF Commercial. Excludes GST.
  • Legal Fee (Event), Amount: Not Listed.. Additional Information: Legal fee from $1,250. Excludes GST.
  • Discharge Fee (Exit), Amount: Not Listed.. Additional Information: Discharge fee from $550. Excludes GST.
  • Risk Fee (Upfront), Amount: Not Listed.. Additional Information: Risk fee 1.00% of loan amount at all LVRs up to 80% for SMSF Commercial loans. Excludes GST.
  • Early Repayment Fee (Exit), Amount: Not Listed.. Additional Information: 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.

 Limitations & Restrictions (Constraints)

  • Min Limit of 100000.00
  • Max Limit of 2500000.00 Additional Information: SMSF Commercial; applies at LVR greater than 75% and up to and including 80%.
  • Max Limit of 3000000.00 Additional Information: SMSF Commercial; applies at LVR greater than 70% and up to and including 75%.
  • Max Limit of 7000000.00 Additional Information: SMSF Commercial; applies at LVR greater than 65% and up to and including 70%.
  • Max Limit of 8000000.00 Additional Information: SMSF Commercial; applies at LVR up to and including 65%.
  • Max Limit of 3000000.00 Additional Information: Category 2 product cap. Subject to the applicable product, documentation, LVR and security restrictions.
  • Max Limit of 500000.00 Additional Information: Category 3 product cap. Subject to the applicable product, documentation, LVR and security restrictions.
  • Max Lvr of 0.8000 Additional Information: Absolute product maximum LVR; subject to loan amount, documentation, postcode and security restrictions.