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 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

  • 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

 

    

A smart approach to SMSF

Our approach to SMSF lending could be the smart solution your clients are looking for.  

    

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

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.

© 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.