A flexible approach to SMSF lending

  • Provide more solutions: SMSF Prime to Near Prime
  • Identify options: Pre-approvals available and direct access to the Credit team.
  • Unlock options: 1 business day SLA and no clawback for early repayment on SMSF.

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Rates and fees

Policy features:

  • No liquidity requirements.
  • Redraw twice a year per the anniversary of the loan, up to $50k at a time for repairs/maintenance of the secured property.
  • No loadings for loans above $1.5m or I/O loans (max 5 years).
  • Borrow up to $3m (subject to lending, securities and LVR limits).
  • Legal fee from $650 (excl. GST) + disbursements
  • Digital or manual application submission.
Our SMSF loan options are only available for corporate trustees.

To learn more about our SMSF offering, contact your Connective Home Loans BDM.

Important information
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 20 November 2024 and 5:00 pm AEDT 12 January 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 This Promotion is subject to change and may be varied or withdrawn at any time.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 5:00 pm AEDT 12 January 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residential security loan interest rates are correct as at 20 November 2023, are subject to change and may be varied or withdrawn at any time.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 20 November 2024 and 5:00 pm AEDT 12 January 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

4Prime SMSF commercial security loan option interest rates range from 8.14 - 8.54% p.a., and Near Prime SMSF commercial security loan option interest rates range from 8.94 - 9.39% p.a. SMSF commercial security loan interest rates are correct as at 20 November 2023, 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.

© 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.