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
Pepper Money offers SMSF loans

Don’t miss out on our Super Smart launch offer 

Right up until 14 March 2024, we’ve got a smart start launch offer across interest rates1 and establishment fee2 for residential security SMSF clients.

If your SMSF 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 $3m

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

Up to 80% 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

The Pepper Money difference 

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

credit policy

Our credit policy 

  • Only $200k 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
  • O/O purpose (associated trading business tenancy agreement) available for commercial security
credit policy

Faster to yes

  • 2 business days SLA
  • 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

    

Securities we accept

We’ll consider the following as a security on single title for SMSF lending.

 

  • Multiple units on one title
  • House
  • Mixed residential and commercial security
  • Office
  • Industrial
  • Retail
  • Boarding or Rooming houses

 

submit a scenario

Got a deal on your desk? 

Give it the non-bank test.
submit a scenario

Not accredited for SMSF lending?

To become accredited simply, read our SMSF guide and Commercial Real Estate product guide. Complete the online quiz and after scoring 100% you’ll be able to offer our SMSF solutions.

To be SMSF accredited with us first you need to be accredited to write Pepper Money Commercial Real Estate loans.

    

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

Product Updates

Information on our latest product pricing and policy offers.
 

    

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. It is recommended that Independent legal, financial and tax advice is obtained.

1Interest rate promotion (Promotion) applies to new SMSF residential security loan applications. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00 am AEDT 16 October 2023 and 11:59pm AEDT 14 March 2024. Applications lodged after the Promotion period will be offered the current interest rates then applicable. This Promotion is subject to change and may be varied or withdrawn at any time. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.

2Establishment fee promotion (Promotion) applies to new SMSF residential security loan applications. Refer to the rate card for our full range of interest rates and fees. Applications must be submitted between 12:00 am AEDT 16 October 2023 and 11:59pm AEDT 14 March 2024. Applications lodged after the Promotion period will be offered the establishment fee then applicable. This Promotion is subject to change and may be varied or withdrawn at any time. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.

© 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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