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About SMSF

  • Accept Commercial& Residential security

  • Purchase and Refinance

  • Max loan amount unto $500K

  • Max LVR up to 80%

Loan Purpose and Rate

Residential

Residential 5.34% PI (LVR<=55%)

Interest Rate From 5.34% P.A.

Comparison Rate From 5.59%P.A.

Commercial

Commercial 5.34% PI (LVR<=55%)

Interest Rate From 5.34% P.A.

Comparison Rate From 5.59%P.A.

Product Summary

Security type Residential & Commercial
Loan Amount $100,000 to $1,000,000
Maximum LVR 80% (LMI applied over LVR 70%)
Loan Term Up to 30 years
Borrower Type MSF Trustee/s
Loan Purpose New purchase or Refinance
Repayment Method Direct debit from nominated bank account
Redraw N/A
Interest Structure Principal & Interest and Interest Only
Residential (LVR<=75%) 6.24% P.A.
Commercial (LVR<=70%) 6.29% P.A.
Application fee N/A
Interest Only Loading N/A

Document Checklist

Income Document (PAYG)

Serviceability:

80% of rental income from investment properties held by the SMSF. 

Mandatory superannuation contributions (currently 9.50% of annual salary) to be included and verified over a 2 year period

Regular additional contributions made to superannuation or other personal investments or savings verified over a 2 year period

Loan Calculator


Genworth Calculator

Recommend serviceability pass rate NDI 1.1:1

We take 80% of existing rental income into servicing for investment property.