Our flexible approach to SMSF loans could help
Whether you’re an SMSF corporate trustee looking to invest or refinance, a Pepper Money SMSF loan could help you take the next step. You may be able to use an SMSF loan to:
- Buy a residential investment property
- Buy a commercial property
- Refinance an existing SMSF loan
Why choose a Pepper Money SMSF loan?
Can do: SMSF loan application response within 1-2 business days*
Flexible: We review every application to understand your situation. If we can help, we will
Helpful: We’re here to talk through your options
Ready to take the next step?
- Purchases: Maximum LVR of 90% for Residential and 80% for Commercial security.
- Refinances: Maximum LVR of 80% for Residential and Commercial security
- Maximum loan size of $3M for Residential and $5M for Commercial
- Up to 30 year loan terms (with Interest Only available for up to 5 years) – no interest loading for Interest Only
- Available to SMSFs with corporate trustees only
- The SMSF is required to have minimum net assets of $150k at the time of application
- Rental income from investment property is accepted as income
- Ability to refinance existing SMSF loans with corporate trustees
- A liquidity test is not required
- Written non-arm’s length lease agreements acceptable for Commercial security applications only
- Non‑concessional contributions may be considered, subject to an affordability assessment supported by the SMSF’s recurring income streams
- Redraw available – twice a year per the anniversary of the loan, up to $50k at a time for repairs and maintenance of security property only
Refinancing an existing SMSF loan?
If you think you’re paying too much interest or coming off interest only repayments, our Super Easy SMSF Refinance^ could help make switching easier. You could reduce your repayments today, while keeping options open for the future – with competitive variable interest rates from 6.84% p.a.# For SMSFs with corporate trustees only.
How can it help
A super easy, fast approach where we’ll assess your ability to pay off the loan, based on your last 6 months of repayments, if:
Plus, for a limited time:
We’re waiving the application fee for Prime Super Easy SMSF Refinance with residential securities until 1 June 2026+.
Buying property through your SMSF
Thinking of buying a property through your SMSF? We also offer SMSF loans with corporate trustees for residential and commercial property purchases.
Properties we can help finance
Residential investment
(single title)
Commercial (single title):
Office, Industrial, Retail
Boarding houses or rooming house
(single title)
What is the eligibility criteria?
- Available to SMSFs with corporate trustees only
- The SMSF must have a current ‘compliant’ status with the ATO
- Property must be a ‘single acquirable’ asset
- Minimum net assets of the SMSF is $150k
- Established SMSFs compliant with the SIS Act only acceptable
What others are asking about SMSF loans
An SMSF loan is a financial arrangement which allows a SMSF to borrow money to purchase an investment property.
These SMSF loans allow the SMSF to invest in the property market and potentially create additional income and capital growth within their superannuation fund to meet retirement goals. SMSF loans can be a useful tool for Aussies seeking to grow their SMSF retirement savings through property investments.
We could help SMSF borrowers who are looking to:
- Purchase a commercial property for their business through their SMSF fund (written lease agreement must be provided)
- Refinance their existing SMSF loan
- Invest in property to generate wealth for retirement
It’s important to note that we only lend to SMSFs with corporate trustees.
Loans for SMSF borrowers are highly regulated due to requirements under Australian superannuation and taxation law.
Before you can apply for a SMSF loan, you need to have a self-managed superannuation fund in place, which can either be newly established or an existing SMSF. This also includes setting up a separate trust to hold the property.
To navigate the details of SMSF lending, it’s strongly recommended that you obtain independent financial and tax advice.
If you’re a corporate trustee looking for an SMSF loan, enquire now and talk to a Pepper Money Lending Specialist.
Ready to talk?
If you’re looking for a SMSF loan, we’d love to help - leave a message for our team below.
Just exploring?
People ask a lot of questions about how to use their self-managed super fund when it comes to property. If property investment through an SMSF is something you are interested in but don’t know much about, we recommend you talk to an independent financial and/or tax adviser.
A financial adviser who specialises in SMSFs can help you understand what you can and can’t do and how to set yourself up for success complying with superannuation and taxation law requirements.
The important legal bits
Information is correct as of 15 April 2026 and subject to change at any time.
*SMSF loan application response timeframes are updated every Monday and may change at any time. For the latest information, please call 137 377.
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute financial or tax advice. It is recommended that independent financial, legal and tax advice is obtained. All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
^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.
+Application Fee promotion applies to eligible new Prime Super Easy Refinance applications, with residential security. Applications must be submitted and conditionally approved between 12:00am AEST 15 April 2025 and 11:59pm AEST 1 June 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 any time.
#SMSF loan variable interest rates range from 6.84% p.a. – 9.74% p.a. 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 (“Pepper”) is the servicer of loans provided by Pepper Finance Corporation ABN 51 094 317 647.
