SMSF Documents Library

   

Product updates

Check out the latest product offers and credit policy changes from us. 

Product Information

Product Guide

Compare and understand the different options available for our SMSF Loans.

SMSF Rates & Fees

View our interest rates and fees.

SMSF Guide

A handy overview of our commercial product options and niches.

Pepper Money Quick Guide

A quick overview of Pepper Money SMSF loans and how it can help your clients.

   

Application Documents

SMSF Online Application Form

Use this when lodging applications with us online.

SMSF Manual Applications

For lodging manual applications with us, use this document. Please note SLA vary from digital lodgement.                                                                                                                  

SMSF - Member Non Concessional Contributions

Use this when looking to use additional contributions as part of servicing.

Auditor/Accountant Declaration

Use this form for redraw requests on SMSF loans.

Postcode tool 

Determine the maximum loan amount we’ll lend in your client’s postcode.

SMSF – Bare Trust setup

Understand the client engagement process, information required and fees associated for Zettle to assist in setting up the Bare Trust for your SMSF purchase.

 

Alt Doc Applications

Alt Doc Forms made easy 

Digitally complete the Declaration of Financial Position and Accountant’s Letter with AltDoc Xpress.
It gives you greater control and helps improve turnaround times.

For those who prefer the manual process, our paper forms are still available. 

Manual: Declaration of Financial Position

Required for all self-employed clients applying for an ‘alt doc’ loan.

Manual: Pepper Accountant's Letter Template

Where self-employed income is verified by a clients’ Accountant.

 

Guides and Calculators

Serviceability Calculator

Estimate what your client could afford to borrow in different scenarios.

SMSF FAQ 

Get answers to our most frequently asked questions. 

   

Information is correct as at 5 June 2025 and subject to change at any time.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

Applications lodged after the Promotion period will be offered the application interest rate, fees, and credit policy then applicable. Promotions are subject to change and may be varied or wothdrawn any time.

1Loan Protection Fee promotion applies to new Prime Full Doc residential purchase applications up to 90% LVR. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00am AEDT 1 April 2025 and 11:59pm AEST 24 July 2025.

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