Self Managed Super Fund Loans

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Our Self Managed Super Fund (SMSF) Loans{yellow-border}

Whether you are purchasing an arm’s length commercial investment property^# or refinancing an existing residential investment property^{^} or commercial property^# SMSF loan, BOQ has competitive loans that could meet your requirements.

Property

Residential

Commercial

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Refinance of existing loan only^{^}

Purchase or Refinance of existing loan

Product types

Business Term Loan

Repayment terms^*

Principal & Interest

Interest Only (max 5 years)

Principal & Interest

Interest Only (max 5 years, only when occupied by a related party)

Loan terms

Up to 30 years

Loan to value ratios^**

Up to 80% where the SMSF trustee is a company

Minimum loan size

$10,000

Interest rates

Standard Variable or Fixed Business Term Loan rates are available on our Today's rates page.

Application fee

0.75% of the loan amount

Ongoing fee

$25.00 per month

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Eligibility{yellow-border}

BOQ may lend to SMSFs that are borrowing for the following purposes:

Refinancing an existing residential investment property loan^{^} (non-trading corporate entity as trustee only).
Purchasing or refinancing a non-specialised commercial property^# for either investment or owner-occupier.

Refinance of a SMSF loan from another financial institution (must be an Australian Credit License (ACL) holder) provided that the original property remains in place as security (where the original loan to be refinanced was used to purchase residential property the trustee must be a corporate entity and where the original loan to be refinanced was used to purchase commercial property the trustee/s can be either a corporate entity or individual/s).

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Ready to apply?{yellow-border}

Whether you’re ready to apply or you’d like to know more, one of our business specialists will be happy to help and provide more information.{sub-heading}

What you'll need^***

To apply for a SMSF loan, you will need to provide the following specific documentation:

Certified copy of the SMSF Trust Deed
Certified copy of Custodian Trust Deed
Financial information to ensure serviceability (e.g. 2 years SMSF audited financial statements, 12 months SMSF bank statements, rental estimates)
Full copy of contract of sale (commercial property only)