Borrower enquires about SMSF loan
Borrower enquires about SMSF loan

SMSF Lending

Discover our super smart approach to SMSF.

Asset & Equipment Finance

Brokers help clients looking to finance a car or equipment

Asset & Equipment Finance

Brokers help clients looking to finance a car or equipment

Self-Managed Super Fund (SMSF) Lending

Discover our super smart approach to SMSF.

Brokers tell clients about CRE solutions

If your corporate trustee clients are looking to invest or refinance their existing SMSF loan, we’ve got lending solutions that could make all the difference. 

Max loan amount for commercial real estate

Loan amounts up to $5m

Max loan amounts differ across product options and security type and LVR
Max LVR for commercial real estate

Up to 90% LVR

Max LVR differs across product options
commercial real estate loan terms

Up to 30 year loan terms

With I/O available for up to 5 years
Redraw available

Redraw available

Twice a year per the anniversary of the loan, up to $50k at a time for repairs/maintenance of security property

New: Super Easy SMSF Refi option with no app fee

Serviceability assessment based on last 6 month’s repayment history*.

Plus no application fee for Prime Super Easy SMSF Refi loans with residential securities
until 1 June 2026^.

Important eligibility criteria, T&Cs, fees and charges apply.

The Pepper Money difference 

Developed in partnership with brokers our super smart approach to SMSF lending offers:

credit policy

Our credit policy 

  • Only $150k net assets are required
  • No liquidity requirements
  • Director with credit impairment accepted
  • Additional contributions that can be satisfactorily evidenced from reoccurring income streams
  • Prime to Near Prime options –
    Full & Alt Doc
  • O/O purpose (associated trading business tenancy agreement) available for commercial security
credit policy

Faster to yes

  • Direct access to our Credit team
  • No commission clawback for early payout of SMSF loans
  • Pre-approvals available
  • Write the loan your way: Digital and manual application submission

    

    

submit a scenario

Got a deal on your desk? 

Give it the non-bank test.
submit a scenario

Apply Online

With our efficient online application, you can lodge a deal right away. The ApplyOnline functionality will be very familiar to you in terms of the way you are already working with us on home loan applications. To lodge your SMSF loan click the Commercial tab.

    

Tools to help you

commercial product guide

Product Guide

Detailed comparison of our SMSF lending options.
 Serviceability Calculator

Serviceability Calculator

Check your client’s serviceability estimate before submitting an application.
Documents Library

Documents Library

All the forms you need to apply for and manage your clients' SMSF loan.
Product Updates

Really helpful webinars

Grow your non-bank expertise with these short, sharp webinars.  

    

Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. It is recommended that Independent legal, financial and tax advice is obtained.

Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. 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 withdrawn at any time. Refer to the rate card for our full range of interest rates and fees

*Seriously Easy SMSF refinance applications require the following: corporate trustee applicants; the same loan amount (plus loan set-up fees); a proposed repayment that is lower than the current SMSF loan repayments; demonstrated satisfactory repayment conduct (shown through 6 months of SMSF loan bank statements); and confirmation that the SMSF is currently compliant with the ATO. 

^Application Fee promotion applies to eligible new Prime Seriously Easy SMSF Refi applications, with residential security. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2025 and 11:59pm AEST 1 June 2026.  

© Pepper Money Limited ABN 55 094 317 665; AFSL and Australian credit licence 286655 is the servicer of home loans provided by Pepper Finance Corporation Limited ABN 51 094 317 647.

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Helping you assist all kinds of clients. Talk to us today.