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
Alt Doc
Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Effective Date | Clawback | Occupancy | Repayments | Max Term | Max Loan | Notes | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||
| Purple (La Trobe) | Clear SMSF Comm Altdoc A - Variable | 8.04% $3,000,000 | 8.14% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 5 Dec 2023 | - | OO, INV | PI | 30 yrs | $3,000,000 | ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only. | ||||||||
| Investor | ||||||||||||||||||||
| Purple (La Trobe) | Clear SMSF Comm Altdoc A - Variable | 8.04% $3,000,000 | 8.14% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 5 Dec 2023 | - | OO, INV | PI | 30 yrs | $3,000,000 | ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only. | ||||||||
| Purple (La Trobe) | SMSF Altdoc Resi A - Variable | 7.49% $2,000,000 | 7.79% $2,000,000 | 7.89% $2,000,000 | 5 Dec 2023 | - | INV | PI | 30 yrs | $2,000,000 | ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only. | |||||||||
Full Doc
Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Effective Date | Clawback | Occupancy | Repayments | Max Term | Max Loan | Notes | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||
| Cabernet (ORIGIN) | FlexCom SMSF Comm - Variable | 7.79% $2,000,000 | 7.79% $2,000,000 | 8.09% $2,000,000 | 8.09% $2,000,000 | 20 Nov 2023 | 24 mths | OO, INV | PI | 29.92 yrs | $2,000,000 | 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 | ||||||||
| Cabernet (ORIGIN) | FlexCom SMSF Comm Max - Variable | 8.29% $2,500,000 | 8.59% $2,500,000 | 8.59% $2,500,000 | 20 Nov 2023 | 24 mths | OO, INV | PI | 29.92 yrs | $2,500,000 | 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 | |||||||||
| Ocean (ORDE) | Diamond SMSF Comm - A | 8.14% $2,000,000 | 8.34% $2,000,000 | 8.64% $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 30 yrs | $2,000,000 | 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 - Variable | 8.04% $3,000,000 | 8.14% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 5 Dec 2023 | - | OO, INV | PI | 30 yrs | $3,000,000 | No LT or min. SMSF balance requirement. Available as Altdoc for S|E clients. Add 0.40% for Interest Only. | ||||||||
| Investor | ||||||||||||||||||||
| Cabernet (ORIGIN) | Easy SMSF Refi | 7.29% $2,000,000 | 7.29% $2,000,000 | 7.59% $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | 29.92 yrs | $2,000,000 | When 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) | Flex SMSF Resi - Variable | 7.29% $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 2023 | 24 mths | INV | PI | 29.92 yrs | $2,000,000 | 100% 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 - Variable | 7.79% $2,000,000 | 7.79% $2,000,000 | 8.09% $2,000,000 | 8.09% $2,000,000 | 20 Nov 2023 | 24 mths | OO, INV | PI | 29.92 yrs | $2,000,000 | 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 | ||||||||
| Cabernet (ORIGIN) | FlexCom SMSF Comm Max - Variable | 8.29% $2,500,000 | 8.59% $2,500,000 | 8.59% $2,500,000 | 20 Nov 2023 | 24 mths | OO, INV | PI | 29.92 yrs | $2,500,000 | 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 | |||||||||
| Cabernet (ORIGIN) | ResiFlex SMSF NDIS - Variable | 7.29% $2,000,000 | 7.29% $2,000,000 | 7.59% $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | 25 yrs | $2,000,000 | Free 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. | |||||||||
| Ocean (ORDE) | Diamond Max Resi SMSF - A | 7.49% $1,250,000 | 7.69% $1,250,000 | 7.69% $1,250,000 | 5 Dec 2023 | - | INV | PI | 30 yrs | $1,250,000 | 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. | 0.50% App Fee. | |||||||||
| Ocean (ORDE) | Diamond Resi SMSF - A | 7.49% $750,000 | 7.69% $750,000 | 7.69% $750,000 | 5 Dec 2023 | - | INV | PI | 30 yrs | $750,000 | 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. | $ NIL App Fee. | |||||||||
| Ocean (ORDE) | Diamond SMSF Comm - A | 8.14% $2,000,000 | 8.34% $2,000,000 | 8.64% $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 30 yrs | $2,000,000 | 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 - Variable | 8.04% $3,000,000 | 8.14% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 5 Dec 2023 | - | OO, INV | PI | 30 yrs | $3,000,000 | No LT or min. SMSF balance requirement. Available as Altdoc for S|E clients. Add 0.40% for Interest Only. | ||||||||
Near Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Effective Date | Clawback | Occupancy | Repayments | Max Term | Max Loan | Notes | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||
| Ocean (ORDE) | Emerald SMSF Comm - B | 8.54% $2,000,000 | 8.74% $2,000,000 | 9.04% $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 30 yrs | $2,000,000 | 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 | ||||||||||||||||||||
| Ocean (ORDE) | Emerald Resi SMSF - B | 7.99% $750,000 | 8.19% $750,000 | 8.19% $750,000 | 5 Dec 2023 | - | INV | PI | 30 yrs | $750,000 | 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. | |||||||||
| Ocean (ORDE) | Emerald SMSF Comm - B | 8.54% $2,000,000 | 8.74% $2,000,000 | 9.04% $2,000,000 | 5 Dec 2023 | - | OO, INV | PI | 30 yrs | $2,000,000 | 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 Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Effective Date | Clawback | Occupancy | Repayments | Max Term | Max Loan | Notes | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | ||||||||||||||||||||
| Cabernet (ORIGIN) | 3 Yr Fixed SMSF Special | 7.69% $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | 29.92 yrs | $2,000,000 | FREE 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 - Commercial | 7.99% $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | 29.92 yrs | $2,000,000 | FREE 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 Special | 7.69% $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | 29.92 yrs | $2,000,000 | FREE 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 - Commercial | 7.99% $2,000,000 | 20 Nov 2023 | 24 mths | INV | PI | 29.92 yrs | $2,000,000 | FREE 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 Fixed | 7.89% $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 2023 | 24 mths | INV | PI | 29.92 yrs | $2,000,000 | FREE 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). | |||||||