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 Commercial

Product types

Business Term Loan

Business Term Loan

Commercial Rate Loan

Repayment terms*

Principal & Interest

Interest Only (max 5 years)

Principal & Interest

Interest Only (max 5 years)

Interest Only (max 5 years)

Interest plus principal reductions

Loan terms

25 years

15 years

5 years#

Loan to value ratios

up to 65% where the SMSF trustee is a company  up to 55% where the SMSF trustee is an individual or a company up to 55% where the SMSF trustee is an individual or a company

Minimum loan size

$10,000 

$10,000 

$500,000 

Maximum loan size

$4,000,000

$4,000,000

$4,000,000

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

Interest rates available on application

Application fee

0.75% of the loan amount (min $750.00)

0.75% of the loan amount (min $750.00)

0.75% of the loan amount (min $750.00)

Ongoing fee

$20.00 per month

$20.00 per month

$50.00 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. 3 years SMSF audited financial statements, 12 months SMSF bank statements, rental estimates)
  • Full copy of contract of sale    

Important information

For important information on our Self Managed Super Fund Loans, view our terms and conditions.

You might also be interested in:

Our low fee business bank account

Everyday Business Account

Our Everyday Business Account is a low fee business transaction account that provides a flexible way to manage business finance and expenses.

  • Make business purchases worldwide wherever Visa is accepted with Business Visa Debit
  • Full account access via ATM/EFTPOS, Internet and Mobile Banking
  • Receive payments faster with a Merchant Facility through First Data

Make the most of your Self Managed Superannuation Fund

Superannuation Savings Account

Our Superannuation Savings Account is an online savings account designed specifically for the cash component of a Self Managed Superannuation Fund.

  • Earn interest on funds over $10,000
  • Access your money in branch, direct debit or online banking
  • No monthly account keeping fee