Self Managed Super Fund Loans

Our Self Managed Super Fund Loans

Whether you are purchasing an arm’s length residential investment property or commercial investment property, BOQ has competitive loans to meet your requirements.

Property	Residential	Commercial
Product types	Business Term Loan	Business Term Loan
Repayment terms*	Principal & Interest Interest Only (max 5 years)	Principal & Interest Interest Only (max 5 years, only where occupied by a related party)
Loan terms	Up to 30 years	Up to 30 years
Loan to value ratios**	Up to 80% where the SMSF trustee is a company	Up to 75% where the SMSF trustee is a company
Minimum loan size	$10,000	$10,000
Interest rates	Standard Variable or Fixed Business Term Loan rates are available on our Today's rates page	Standard Variable or Fixed Business Term Loan rates are available on our Today's rates page
Application fee	0.75% of the loan amount	0.75% of the loan amount
Ongoing fee	$25.00 per month	$25.00 per month

Eligibility

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

Purchasing residential property for investment (non-trading corporate entity as trustee only)
Purchasing non-specialised commercial property for investment

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).

Ready to apply?

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.

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