Self-Managed Super Fund

We’re excited to announce the launch of our self-managed super fund (SMSF) loan product, available for residential and commercial property, delivering you more loan options for your SMSF clients.

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

More options for more of your clients

Prime to Near Prime across residential and commercial securities

A simple way to make sure clients know their options

Pre-approval available

Smart ways to help clients keep options open

1 business day SLA and direct access to our Credit team

Got a deal on your desk?
Get accredited and give it the non-bank test!

Become accredited

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

Smart rates to help you get started, until 16 May 2024

Residential
SMSF securities

Getting off to a good start has never been easier with our launch offer¹:

Interest rates starting from

7.24% _p.a.²

Smart start establishment fees: For a limited time get 50% off the establishment fee^3.

Commercial
SMSF securities

Unlock options for your SMSF clients with reduced our interest rates. Offer only available for a limited time⁴.

7.99% _p.a.⁵

This information is for Pepper Money accredited brokers and is not to be shared with clients. SMSF product is for corporate trustee SMSF borrowers only.

Smart policies for clients’ real life situations

Only $200k net assets are required and no liquidity requirements
LVRs up to 80% for residential and 75% for commercial securities
O/O purpose (associated trading business tenancy agreement) available for commercial security
30 year loans terms with up to 5 years I/O
Redraw twice a year per the anniversary of the loan, up to $50k at a time for maintenance/repairs of the secured property
No clawback for early payout of SMSF loans
Director with credit impairment considered
Write the loan your way: Digital and manual application submission

Talk to us about workshopping any client’s situation, anytime

SMSF Interest Rates

View our smart residential and commercial rates and fees

Download

Servicing Calculator

Calculate your client's serviceability estimate before applying

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Scenarios

Submit your SMSF scenarios and get a quick review from us

Submit a scenario

For more information on our SMSF product, check out our SMSF guide or frequently asked questions.

Information is correct as of 11 March 2024. 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 11:59 pm AEDT 16 May 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.

²Until 11:59 pm AEDT 16 May 2024, Prime SMSF residential security loan option interest rates range from 7.24- 7.74% p.a., and Near Prime SMSF residential security loan option interest rates range from 7.94 - 8.24% p.a. Promotion SMSF residential security loan interest rates are correct as at 11 March 2024, are subject to change and may be varied or withdrawn at any time. The actual interest rate applicable will depend on the individual borrower's circumstances.

³Establishment 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 11:59 pm AEDT 16 May 2024. Applications lodged after the Promotion period will be offered the current establishment fee then applicable. This Promotion is subject to change and may be varied or withdrawn at any time.

⁴Interest rate promotion (Promotion) applies to new SMSF commercial 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 15 February 2024 and 11:59 pm AEDT 16 May 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.

⁵Until 11:59 pm AEDT 16 May 2024, Prime SMSF commercial security loan option interest rates range from 7.99 - 8.27% p.a., and Near Prime SMSF commercial security loan option interest rates range from 8.94 - 9.39% p.a. Interest rates are correct as of 11 March 2024, are subject to change and may be varied or withdrawn at any time. The actual interest rate applicable will depend on the individual borrower's circumstances.

A smart start with our SMSF solution