SMSF Property Lending
Strategic, non-regulated financing solutions designed for the purchase or refinance of residential and commercial property within your Self-Managed Super Fund.
Loan Product Specifications
| Specifications | Prime SMSF Loan | Near Prime SMSF Loan |
|---|---|---|
| Loan Purpose | Purchase or refinance of residential or commercial properties. | |
| Maximum Loan Size | Residential: $3M | Commercial: $5M | Residential: $3M | Commercial: $4M |
| Maximum LVR | Up to 90% Full Doc / 80% Alt Doc (Residential). Up to 80% (Commercial). | |
| Minimum SMSF Assets | $150,000 within the fund. No liquidity test required. | |
| Credit History | One paid consumer default up to $500 or commercial up to $2,500 considered. Defaults >$3,000 accepted if listed >24 months. | Unlimited defaults, judgements, and writs up to $3,000 accepted (paid or unpaid). Up to 3 months non-mortgage arrears considered. |
| Bankruptcy | Discharged from bankruptcy (> 1 day) accepted. | |
LVR Tiered Loan Limits
| LVR Tier | Prime Max Loan | Near Prime Max Loan |
|---|---|---|
| Up to 50% | $5.0M | $4.0M |
| > 50% – 60% | $4.5M | $3.5M |
| > 60% – 65% | $4.5M | $3.5M |
| > 65% – 70% | $3.5M | $2.5M |
| > 70% – 75% | $2.5M | $2.0M |
| > 75% – 80% | $2.0M | $1.5M |
| > 80% – 90% | $1.0M | $1.0M |
SMSF Easy Refi (Like-for-Like)
- Simplified Path: Serviceability calculator and 2 years financials not required.
- Savings Benefit: Interest rate or repayments must be lower than current loan.
- Repayment History: 6 months of statements showing perfect history required.
- Loan Limits: Max 80% LVR and $3M residential loan size.
Core Product Features
- Loan Terms: 10 to 30 years.
- Repayment Options: P&I or Interest Only (max 5 years).
- Redraw Facility: 2 manual redraws per year (Min $50k, SIS Act compliant).
- Extra Payments: Unlimited free additional payments on variable rates.
- Strict Exclusions: Cash out, debt consolidation, and additional advances not accepted.
Income Documentation
Documentation is required only if additional PAYG or Self-Employed contributions are needed to support the loan serviceability.
PAYG Evidence
- Two recent payslips (within 30 days).
- One of: Income Statement, Tax Return/NOA, Letter of Employment, or 3 months bank statements.
Self-Employed (Full Doc)
- Most recent 2 years of Tax Returns and NOAs.
- Most recent 2 years of Financial Statements.
Self-Employed (Alt Doc)
- ABN registered 24 months / GST 12 months.
- Declaration of Financial Position.
- Plus: 6 months Bank Statements, 6 months BAS, or Accountant's Letter.
Security Guidelines & Max LVR
| Security Type | Maximum LVR | Special Conditions |
|---|---|---|
| Residential (Single Title) | 90% | Categories 1–4 nationwide. |
| Commercial (Office, Industrial, Retail) | 80% | Categories 1 & 2 nationwide. |
| Serviced Apartments | 80% | Zoned for permanent occupation; removable from letting pool. |
| Studio & Dual Key | 80% | Must be on single title. |
| Lifestyle Properties | 80% | Non-rural/primary production; non-income producing. |
| Boarding Houses (≥10 rooms) | 65% | Commercial security. |
Location Caps: Commercial securities in Category 3 locations (NSW, ACT, VIC, QLD, TAS) are capped at 60% LVR and $750,000 maximum loan size.
New SMSF Funds: If the fund is newly established, 2 years of Retail or Industry superannuation fund statements are required.
Regulatory Status: These products are non-regulated; NCCP does not apply.
New SMSF Funds: If the fund is newly established, 2 years of Retail or Industry superannuation fund statements are required.
Regulatory Status: These products are non-regulated; NCCP does not apply.
Elevate Your Fund's Property Portfolio
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