Asset & Equipment Finance
Asset & Equipment Finance
Self-Managed Super Fund (SMSF) Lending
Discover our super smart approach to SMSF.
Don’t miss out on our Super Smart launch offer
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.
Loan amounts up to $3m
Up to 80% LVR
Up to 30 year loan terms
Redraw available
The Pepper Money difference
Developed in partnership with brokers our super smart approach to SMSF lending offers:
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
Faster to yes
- 2 business days SLA
- 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
Got a deal on your desk?
Not accredited for SMSF lending?
To become accredited simply, read our SMSF guide and Commercial Real Estate product guide. Complete the online quiz and after scoring 100% you’ll be able to offer our SMSF solutions.
To be SMSF accredited with us first you need to be accredited to write Pepper Money Commercial Real Estate loans.
Tools to help you
Product Guide
Serviceability Calculator
Documents Library
Product Updates
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 11:59pm 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.
2Establishment 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 11:59pm AEDT 16 May 2024. Applications lodged after the Promotion period will be offered the establishment fee 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.
© 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.
