Commercial SMSF Loan
The Gold Commercial Self Managed Super Fund (SMSF) Loan is designed to provide loans to authorized Australian Self-Managed Super Funds for the purpose of purchasing or refinancing commercial investment property. Available to PAYG and Self-Employed Applicants.
Category: Business Loans Last Updated May 10, 2026 Effective August 19, 2026
General Lending Rates
Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information Commercial SMSF Loan - Up to 60% LVR P&I
Interest Rate
7.54% PA
7.54% PA
Comparison Rate
0.00%PA*
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..
LVR equal to or less than 60%
Minimum: 0.00 PERCENT Maximum: 0.60 PERCENT
Loan Amount
Minimum: $100000.00 Maximum: $5000000.00
- Lending Rate Type: Variable
- Interest Rate: 7.54%, Comparison Rate 0.00%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR equal to or less than 60%
Minimum: 0.00 PERCENT Maximum: 0.60 PERCENT
Loan Amount
Minimum: $100000.00 Maximum: $5000000.00
- Lending Rate Type: Variable
- Interest Rate: 7.74%, Comparison Rate 0.00%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR above 60% and equal to or less than 70%
Minimum: 0.6001 PERCENT Maximum: 0.70 PERCENT
Loan Amount
Minimum: $100000.00 Maximum: $5000000.00
- Lending Rate Type: Variable
- Interest Rate: 7.80%, Comparison Rate 0.00%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR above 60% and equal to or less than 70%
Minimum: 0.6001 PERCENT Maximum: 0.70 PERCENT
Loan Amount
Minimum: $100000.00 Maximum: $5000000.00
- Lending Rate Type: Variable
- Interest Rate: 7.90%, Comparison Rate 0.00%
- Repayment Type: Interest Only
- Loan Purpose: Investment
LVR above 70% and equal to or less than 75%
Minimum: 0.7001 PERCENT Maximum: 0.75 PERCENT
Loan Amount
Minimum: $100000.00 Maximum: $3500000.00
- Lending Rate Type: Variable
- Interest Rate: 7.99%, Comparison Rate 0.00%
- Repayment Type: Principal And Interest
- Loan Purpose: Investment
LVR above 70% and equal to or less than 75%
Minimum: 0.7001 PERCENT Maximum: 0.75 PERCENT
Loan Amount
Minimum: $100000.00 Maximum: $3500000.00
- Lending Rate Type: Variable
- Interest Rate: 8.10%, Comparison Rate 0.00%
- Repayment Type: Interest Only
- Loan Purpose: Investment
Product Features
- Other Additional Information: Option to split loan
- Redraw Additional Information: This product offers redraw facility
- Other Additional Information: Security Location - [80% LVR – Cat 1], [75% LVR – Cat 2], [70% LVR – Cat 3]
- Other Additional Information: Maximum loan term - 30 years
- Other Additional Information: Up to 5 year interest only terms
- Digital Banking Additional Information: Internet Banking is available for this product - Free internet and telephone transacting
- Extra Repayments Additional Information: If you have a variable loan you can make as many additional repayments as you want, with no penalty at anytime
- Other Additional Information: Maximum loan amount: $3,000,000 - 70% LVR (Cat 1)*, $2,500,000 - 75% LVR (Cat 1)*, $2,000,000 - 80% LVR (Cat 1)*, $2,000,000 - 75% LVR (Cat 2)^, $1,500,000 - 70% LVR (Cat 3)^. [^ in aggregate, * in aggregate or one loan]
Product Eligibility
- Employment Status - Self-managed Superannuation Fund (smsf) Corporate Trustees Who, Acting In Accordance With The Superannuation Industry (supervision) Act 1993 (cth) . Additional Information: The Borrower must be able to satisfy Better Choice’s credit criteria. Serviceability will be undertaken solely from the SMSF itself. The SMSF must be able to service the loan from existing SMSF income and assets, proposed rental income and mandatory members’ contributions.
- Other Additional Information: SMSF Trustee (Borrower) The SMSF trustee must be a corporate trustee (where all beneficiaries must be directors of the trustee company), on behalf of a SMSF. Property Trustee (Mortgagor) The property trustee must be a corporate trustee (and must be a different company to the SMSF company trustee). The property trustee can be another company owned or controlled by a member of the SMSF, but not an individual member of the SMSF. Personal Guarantees from all SMSF beneficiaries All directors and shareholders and beneficiaries of the SMSF are required to provide unconditional joint and several guarantees. This is in addition to the standard requirements for trust borrowers.
Bank Fees and Charges
- Discharge Fee (Exit), Amount: Not Listed.. Additional Information: Admin fee for discharging the loan
- Loan Variation (Event), Amount: Not Listed.. Additional Information: Fees associated with varying the loan agreements
- Annual Fee (Periodic), Amount: Not Listed.. Additional Information: Annual Fee
- Early Repayment Fee (Exit), Amount: Not Listed.. Additional Information: 1.50% if discharged within 3 years (based on original loan amount)
Limitations & Restrictions (Constraints)
- Max Balance of 3000000.00 Additional Information: The maximum loan balance is $3,000,000
- Min Balance of 100000.00 Additional Information: Minimum loan balance is $100,000
Document Downloads
bchl-commercial-fees-charges-101125.pdf (273.5 KB)
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