Asset & Equipment Finance
Asset & Equipment Finance
Self-Managed Super Fund (SMSF) Lending
Discover our super smart approach to SMSF.
The SMSF lending landscape
Whether you're a SMSF corporate trustee refinancing an existing SMSF loan, exploring a business real property opportunity, or entered into a contract before 10 August 2026, we're here to help you know what options exist.
With new SMSF rules now passed, your client’s financial adviser can provide clarity on what opportunities remain, what residential property can still be refinanced, and where SMSF borrowing can continue to play a role in your clients’ plans.
How we can help
Residential
Refinancing existing compliant SMSF loan for a residential property.
For when:
Already has an SMSF loan for a residential property
Or looking to improve cash flow
Commercial
Supporting eligible business real property purchases and refinances
For when
Looking to purchase a premises to operate their business from
Purchasing business real property through an SMSF for wealth creation
Looking to improve cash flow by refinancing an existing SMSF loan to a lower interest rate
Understanding SMSF lending
SMSF lending is a specialist area that provides options to clients who are looking at investing in property to build wealth for retirement. While you can’t provide financial or tax advice as a mortgage broker, understanding the basics can help identify opportunities, support your conversations with clients and help package applications.
Before setting up an SMSF and investment strategies, it’s recommended clients seek independent financial and tax advice.
Why Pepper Money for your clients SMSF loan?
Faster to a decision
Direct access to our Credit team
Alt Doc Xpress: Fast track alt doc applications
Pre-approvals available
Write the loan your way: Digital and manual application submission
Built around SMSF lending realities
We understand SMSF lending can be seen as complex. That's why our SMSF lending offering focuses on helping you and your clients navigate SMSF structures, policy considerations and lending requirements with confidence.
Support you can trust
Most importantly of all, we can help you and your client through each and every step you need to take to complete an SMSF application. No experience necessary.
Key options that can help
Loan sizes from $100k - $5 million
Up to 30-year terms
No liquidity requirements
Min net assets $150k
Directors with credit impairment can be considered
Redraw available for compliant SIS Act purposes*
No commission clawback for early payout
Get smart about our SMSF credit policy
Find out about acceptable structures, security types, documentation requirements and key policy considerations. Helpful when:
Want to know more?
Tools to help you
Product Guide
Serviceability Calculator
Documents Library
Policy quick view
Important Information
Information is correct as at 17 September2026 and subject to change at any time.
This content is for accredited Pepper Money brokers, introducers and intermediaries, including those applying for accreditation. It shouldn't be distributed to or relied upon by consumers.
It is recommended that your clients obtain independent financial and tax advice.
* Redraw available – twice a year per the anniversary of the loan, up to $50k at a time for repairs and maintenance of security property only
