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SMSF Rate Watch

All SMSF products require a Corporate Trustee. Rates and fees are subject to change at any time without notice.

"Comm" designates Commercial Security; NAT = Net Asset Test; LT = Liquidity Test

Doc Type

Category

Rate Type

Funder

Occupancy Type

Max Loan Values

Alt Doc

Prime
Loan Type Loan Name60%65%70%75%80%85%90%Effective Date Clawback Occupancy Repayments Max Term Max Loan Notes
Owner Occupier
Purple (La Trobe)Clear SMSF Comm A - Variable8.14%
$3,000,000
8.24%
$3,000,000
8.44%
$3,000,000
8.64%
$3,000,000
4 Jun 2024-OO, INVPI30 yrs$3,000,000No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee |
Purple (La Trobe)Clear SMSF Comm Altdoc A - Variable8.14%
$3,000,000
8.24%
$3,000,000
8.44%
$3,000,000
8.64%
$3,000,000
4 Jun 2024-OO, INVPI30 yrs$3,000,000ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee| 😊😊😊
Red (RedZed)Super Comm SMSF Altdoc8.40%
$3,000,000
8.55%
$3,000,000
8.75%
$3,000,000
8.95%
$2,500,000
1 May 2024-OO, INVPI30 yrs$3,000,000Add 0.25% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 |
Investor
Purple (La Trobe)Clear SMSF Comm A - Variable8.14%
$3,000,000
8.24%
$3,000,000
8.44%
$3,000,000
8.64%
$3,000,000
4 Jun 2024-OO, INVPI30 yrs$3,000,000No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee |
Purple (La Trobe)Clear SMSF Comm Altdoc A - Variable8.14%
$3,000,000
8.24%
$3,000,000
8.44%
$3,000,000
8.64%
$3,000,000
4 Jun 2024-OO, INVPI30 yrs$3,000,000ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee| 😊😊😊
Purple (La Trobe)SMSF Altdoc Resi A - Variable7.59%
$2,500,000
7.89%
$2,500,000
7.99%
$2,000,000
4 Jun 2024-INVPI30 yrs$2,500,000ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 😊😊😊
Red (RedZed)Super Comm SMSF Altdoc8.40%
$3,000,000
8.55%
$3,000,000
8.75%
$3,000,000
8.95%
$2,500,000
1 May 2024-OO, INVPI30 yrs$3,000,000Add 0.25% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 |
Red (RedZed)Super Resi SMSF Altdoc7.59%
$2,000,000
7.59%
$2,000,000
7.59%
$2,000,000
7.94%
$1,750,000
7.99%
$1,500,000
15 Feb 2024-INVPI30 yrs$2,000,000Add 0.25% for Int Only | No ERF | No Clawback | App Fee $250 | Sett Fee $500; Legal Fee $1500; Gtor Fee $250 |
Near Prime
Loan Type Loan Name60%65%70%75%80%85%90%Effective Date Clawback Occupancy Repayments Max Term Max Loan Notes
Investor
Ocean (ORDE)Emerald Resi SMSF Altdoc - B7.99%
$750,000
8.19%
$750,000
8.19%
$750,000
5 Dec 2023-INVPI30 yrs$750,000NAT of $150,000 prior to new loan. LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles.

Full Doc

Prime
Loan Type Loan Name60%65%70%75%80%85%90%Effective Date Clawback Occupancy Repayments Max Term Max Loan Notes
Owner Occupier
Cabernet (ORIGIN)Easy SMSF Refi - Comm7.79%
$2,000,000
7.79%
$2,000,000
8.09%
$2,000,000
20 Nov 202324 mthsOO, INVPI29.92 yrs$2,000,000When the actual rent received covers 100% of actual repayments |Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | Commercial  Security - OO or Inv  | 😊😊😊
Cabernet (ORIGIN)FlexCom SMSF Comm - Variable7.79%
$2,000,000
7.79%
$2,000,000
8.09%
$2,000,000
8.09%
$2,000,000
20 Nov 202324 mthsOO, INVPI29.92 yrs$2,000,000Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | COMMERCIAL SECURITY
Cabernet (ORIGIN)FlexCom SMSF Comm Max - Variable8.29%
$2,500,000
8.59%
$2,500,000
8.59%
$2,500,000
20 Nov 202324 mthsOO, INVPI29.92 yrs$2,500,000Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | COMMERCIAL SECURITY
Navy (BC Invest)Navy Commercial SMSF7.70%
$2,000,000
7.90%
$2,000,000
7.90%
$2,000,000
8.10%
$1,500,000
7 May 2024-OO, INVPI30 yrs$2,000,000Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | No Clawback |  App Fee $550 | 😊😊😊
Ocean (ORDE)Diamond SMSF Comm - A8.14%
$2,000,000
8.34%
$2,000,000
8.64%
$2,000,000
5 Dec 2023-OO, INVPI30 yrs$2,000,0001.0% App Fee | NAT of $150,000 prior to new loan. | LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles. | COMMERCIAL SECURITY |
Purple (La Trobe)Clear SMSF Comm A - Variable8.14%
$3,000,000
8.24%
$3,000,000
8.44%
$3,000,000
8.64%
$3,000,000
4 Jun 2024-OO, INVPI30 yrs$3,000,000No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee |
Red (RedZed)Super Comm SMSF FD8.05%
$3,000,000
8.20%
$3,000,000
8.40%
$3,000,000
8.60%
$2,500,000
1 May 2024-OO, INVPI30 yrs$3,000,000Add 0.25% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 |
Investor
Cabernet (ORIGIN)Easy SMSF Refi7.29%
$2,000,000
7.29%
$2,000,000
7.59%
$2,000,000
20 Nov 202324 mthsINVPI29.92 yrs$2,000,000When the actual rent received covers 100% of actual repayments |Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | RESIDENTIAL  SECURITY  😊😊😊
Cabernet (ORIGIN)Easy SMSF Refi - Comm7.79%
$2,000,000
7.79%
$2,000,000
8.09%
$2,000,000
20 Nov 202324 mthsOO, INVPI29.92 yrs$2,000,000When the actual rent received covers 100% of actual repayments |Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | Commercial  Security - OO or Inv  | 😊😊😊
Cabernet (ORIGIN)Flex SMSF Resi - Variable7.29%
$2,000,000
7.29%
$2,000,000
7.59%
$2,000,000
7.99%
$2,000,000
8.29%
$2,000,000
20 Nov 202324 mthsINVPI29.92 yrs$2,000,000100% Offset is fee free | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only  | LPF applies >80% LVR | RESIDENTIAL  SECURITY
Cabernet (ORIGIN)FlexCom SMSF Comm - Variable7.79%
$2,000,000
7.79%
$2,000,000
8.09%
$2,000,000
8.09%
$2,000,000
20 Nov 202324 mthsOO, INVPI29.92 yrs$2,000,000Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | COMMERCIAL SECURITY
Cabernet (ORIGIN)FlexCom SMSF Comm Max - Variable8.29%
$2,500,000
8.59%
$2,500,000
8.59%
$2,500,000
20 Nov 202324 mthsOO, INVPI29.92 yrs$2,500,000Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | COMMERCIAL SECURITY
Navy (BC Invest)Navy Commercial SMSF7.70%
$2,000,000
7.90%
$2,000,000
7.90%
$2,000,000
8.10%
$1,500,000
7 May 2024-OO, INVPI30 yrs$2,000,000Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | No Clawback |  App Fee $550 | 😊😊😊
Navy (BC Invest)Navy Express Refi SMSF7.15%
$1,500,000
7.15%
$1,500,000
15 May 2024-INVPI30 yrs$1,500,0002 Yrs Repayment History; Rates Notice &  1 Yr Rental Statements | Optional Offset account - 0.10% rate loading | No Clawback | Add 0.30% for Int Only | Corporate Trustees Only | No Risk Fee to 80% | Legal advice WAIVED (excl Private loans) | 😊😊😊
Navy (BC Invest)Navy Regional SMSF7.49%
$1,250,000
13 Mar 2024-INVPI30 yrs$1,250,000Optional Offset account - 0.10% rate loading | No Clawback | Fixed Rates available on request | Add 0.30% for Int Only | Corporate Trustees Only |
Navy (BC Invest)Navy Retire SMSF7.15%
$1,500,000
7.45%
$1,500,000
7.45%
$1,250,000
7.85%
$1,250,000
8.15%
$1,250,000
7 May 2024-INVPI30 yrs$1,500,000Optional Offset account - 0.10% rate loading | No Clawback | Fixed Rates available on request | Add 0.30% for Int Only | Corporate Trustees Only | No Risk Fee to 80% - METRO only | 😊😊😊
Ocean (ORDE)Diamond Max Resi SMSF - A7.49%
$1,250,000
7.69%
$1,250,000
7.69%
$1,250,000
5 Dec 2023-INVPI30 yrs$1,250,000NAT of $150,000 prior to new loan. | LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles. | 0.50% App Fee.
Ocean (ORDE)Diamond Resi SMSF - A7.49%
$750,000
7.69%
$750,000
7.69%
$750,000
5 Dec 2023-INVPI30 yrs$750,000NAT of $150,000 prior to new loan. | LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles. | $ NIL App Fee.
Ocean (ORDE)Diamond SMSF Comm - A8.14%
$2,000,000
8.34%
$2,000,000
8.64%
$2,000,000
5 Dec 2023-OO, INVPI30 yrs$2,000,0001.0% App Fee | NAT of $150,000 prior to new loan. | LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles. | COMMERCIAL SECURITY |
Purple (La Trobe)Clear SMSF Comm A - Variable8.14%
$3,000,000
8.24%
$3,000,000
8.44%
$3,000,000
8.64%
$3,000,000
4 Jun 2024-OO, INVPI30 yrs$3,000,000No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee |
Purple (La Trobe)SMSF Clear FD Resi A - Variable7.49%
$2,500,000
7.89%
$2,500,000
7.99%
$2,000,000
4 Jun 2024-INVPI30 yrs$2,500,000No LT or min. SMSF balance requirement | Add 0.40% for Interest Only.
Red (RedZed)Super Comm SMSF FD8.05%
$3,000,000
8.20%
$3,000,000
8.40%
$3,000,000
8.60%
$2,500,000
1 May 2024-OO, INVPI30 yrs$3,000,000Add 0.25% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 |
Red (RedZed)Super Resi SMSF FD7.24%
$2,000,000
7.24%
$2,000,000
7.24%
$2,000,000
7.59%
$1,750,000
7.64%
$1,500,000
15 Feb 2024-INVPI30 yrs$2,000,000Add 0.25% for Int Only | No ERF | No Clawback | App Fee $250 | Sett Fee $500; Legal Fee $1500; Gtor Fee $250 |
NDIS
Cabernet (ORIGIN)ResiFlex SMSF NDIS - Variable7.29%
$2,000,000
7.29%
$2,000,000
7.59%
$2,000,000
20 Nov 202324 mthsNDISPI25 yrs$2,000,000Free 100% Offset - limited to transfers between nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | No Interest Only | | RESIDENTIAL  SECURITY | NDIS only | 0.50% rate loading for commercial security.
Near Prime
Loan Type Loan Name60%65%70%75%80%85%90%Effective Date Clawback Occupancy Repayments Max Term Max Loan Notes
Owner Occupier
Ocean (ORDE)Emerald SMSF Comm - B8.54%
$2,000,000
8.74%
$2,000,000
9.04%
$2,000,000
5 Dec 2023-OO, INVPI30 yrs$2,000,0001.25% App Fee | NAT of $150,000 prior to new loan. | LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles. | COMMERCIAL SECURITY
Investor
Navy (BC Invest)Navy Relax SMSF NP7.74%
$1,500,000
7.84%
$1,500,000
7.84%
$1,500,000
8.04%
$1,250,000
6 Jun 2024-INVPI30 yrs$1,500,000Optional Offset account - 0.10% rate loading | No Clawback | Fixed Rates available on request | Add 0.30% for Int Only | Corporate Trustees Only | No Risk Fee to 70% - METRO only |
Ocean (ORDE)Emerald Resi SMSF - B7.99%
$750,000
8.19%
$750,000
8.19%
$750,000
5 Dec 2023-INVPI30 yrs$750,000NAT of $150,000 prior to new loan. LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles.
Ocean (ORDE)Emerald SMSF Comm - B8.54%
$2,000,000
8.74%
$2,000,000
9.04%
$2,000,000
5 Dec 2023-OO, INVPI30 yrs$2,000,0001.25% App Fee | NAT of $150,000 prior to new loan. | LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles. | COMMERCIAL SECURITY
Fixed Rate
Loan Type Loan Name60%65%70%75%80%85%90%Effective Date Clawback Occupancy Repayments Max Term Max Loan Notes
Investor
Cabernet (ORIGIN)3 Yr Fixed SMSF Special7.69%
$2,000,000
20 Nov 202324 mthsINVPI29.92 yrs$2,000,000FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | RESIDENTIAL SECURITY.
Cabernet (ORIGIN)3 Yr Fixed SMSF Special - Commercial7.99%
$2,000,000
20 Nov 202324 mthsINVPI29.92 yrs$2,000,000FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | COMMERCIAL SECURITY.
Cabernet (ORIGIN)5 Yr Fixed SMSF Special7.69%
$2,000,000
20 Nov 202324 mthsINVPI29.92 yrs$2,000,000FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | RESIDENTIAL SECURITY. 😊
Cabernet (ORIGIN)5 Yr Fixed SMSF Special - Commercial7.99%
$2,000,000
20 Nov 202324 mthsINVPI29.92 yrs$2,000,000FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | COMMERCIAL SECURITY.
Cabernet (ORIGIN)Flex SMSF Resi - 1 Yr Fixed7.89%
$2,000,000
7.89%
$2,000,000
8.19%
$2,000,000
8.59%
$2,000,000
8.89%
$2,000,000
20 Nov 202324 mthsINVPI29.92 yrs$2,000,000FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | RESIDENTIAL SECURITY | 80% LVR = 0% LPF (85% LVR = 2.50% LPF; 90% LVR = 3.5% LPF).