Asset & Equipment Finance
Asset & Equipment Finance
Self-Managed Super Fund (SMSF) Lending
Discover our super smart approach to SMSF.
If your SMSF clients are looking to invest or refinance their existing SMSF loan, we’ve got lending solutions that could make all the difference.
Loan amounts up to $3m
Max loan amounts differ across product options and security type and LVR
Up to 80% LVR
Max LVR differs across product options
Up to 30 year loan terms
With I/O available for up to 5 years
Redraw available
Twice a year per the anniversary of the loan, up to $50k at a time for repairs/maintenance of security property
The Pepper Money difference
Developed in partnership with brokers our super smart approach to SMSF lending offers:
Our credit policy
- Only $150k net assets are required
- No liquidity requirements
- Director with credit impairment accepted
- Additional contributions that can be satisfactorily evidenced from reoccurring income streams
- Prime to Near Prime options
- O/O purpose (associated trading business tenancy agreement) available for commercial security
Faster to yes
- Direct access to our Credit team
- No commission clawback for early payout of SMSF loans
- Pre-approvals available
- Write the loan your way: Digital and manual application submission
Securities we accept
We’ll consider the following as a security on single title for SMSF lending.
- Multiple units on one title
- House
- Mixed residential and commercial security
- Office
- Industrial
- Retail
- Boarding or Rooming houses
A smart approach to SMSF
Our approach to SMSF lending could be the smart solution your clients are looking for.
Got a deal on your desk?
Give it the non-bank test.
Apply Online
With our efficient online application, you can lodge a deal right away. The ApplyOnline functionality will be very familiar to you in terms of the way you are already working with us on home loan applications. To lodge your SMSF loan click the Commercial tab.
Tools to help you
Product Guide
Detailed comparison of our SMSF lending options.
Serviceability Calculator
Check your client’s serviceability estimate before submitting an application.
Documents Library
All the forms you need to apply for and manage your clients' SMSF loan.
Product Updates
Information on our latest product pricing and policy offers.
