SMSF lending that gives you clarity, at pace
With the proposed changes to SMSF lending secured by residential properties, here’s some information to help you understand the changes. We’ve got you covered.
What you need to know
It’s important that your clients speak to their accountant or financial adviser to understand their options and ensure that any proposed SMSF lending is compliant with the legislation reforms and other SMSF obligations.
How we can help
Super Smart SMSF loans made easier
- Across Prime, Near Prime, full doc and alt doc options
- Up to 90% LVR with no LMI for residential purchases
- Minimum $150k assets needed
- No liquidity requirements
- Residential property up to $3m with terms up to 30 years
- Business property up to $5m with terms up to 30 years
- Additional contributions accepted
- Dedicated bare trust set up support from Zettle
- E-sign of loan documentation available
- No commission clawback for early payout
Still in the picture
SMSF residential property refinances of existing LRBAs and eligible business property SMSF lending can remain an option. We continue to support:
- Super easy like-for-like refinances1, with no app fee until 27 July2 for Prime residential purchases
- Business property purchases and refinances up to 80% LVR, including owner-occupied scenarios where there's an associated trading business tenancy agreement in place (subject to the property being an eligible business property under the reforms).
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Important information
Information is correct as of 2 July 2026 and is subject to change.
Information provided is factual information only and is not intended to imply any recommendation about any financial product(s) and tax advice. It is recommended that clients obtain independent legal, financial and tax advice.
SMSF lending is available for corporate trustees only where the SMSF is ATO compliant. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
© 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.
1 Super 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.
2 Application Fee promotion applies to eligible new Prime Seriously Simple SMSF Refi applications, with a residential security. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2025 and 11:59pm AEST 27 July 2026. 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.
