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 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 | Add 0.40% for Interest Only | 1.50% App Fee | | ||||||||
| 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 | 1.50% App Fee| 😊😊😊 | ||||||||
| Red (RedZed) | Super Comm SMSF Altdoc | 8.35% $3,000,000 | 8.50% $3,000,000 | 8.70% $3,000,000 | 8.90% $2,500,000 | 15 Feb 2024 | - | OO, INV | PI | 30 yrs | $3,000,000 | Add 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 - 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 | Add 0.40% for Interest Only | 1.50% App Fee | | ||||||||
| 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 | 1.50% App Fee| 😊😊😊 | ||||||||
| 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 | 😊😊😊 | |||||||||
| Red (RedZed) | Super Comm SMSF Altdoc | 8.35% $3,000,000 | 8.50% $3,000,000 | 8.70% $3,000,000 | 8.90% $2,500,000 | 15 Feb 2024 | - | OO, INV | PI | 30 yrs | $3,000,000 | Add 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 Altdoc | 7.59% $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 | - | INV | PI | 30 yrs | $2,000,000 | Add 0.25% for Int Only | No ERF | No Clawback | App Fee $250 |Â Sett Fee $500; Legal Fee $1500; Gtor Fee $250 | | |||||||
Near Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Effective Date | Clawback | Occupancy | Repayments | Max Term | Max Loan | Notes | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | ||||||||||||||||||||
| Ocean (ORDE) | Emerald Resi SMSF Altdoc - 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. | |||||||||
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) | Easy SMSF Refi - Comm | 7.79% $2,000,000 | 7.79% $2,000,000 | 8.09% $2,000,000 | 20 Nov 2023 | 24 mths | OO, 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 | Commercial Security - OO or Inv | 😊😊😊 | |||||||||
| 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 |Â 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 |Â COMMERCIAL SECURITY | |||||||||
| Navy (BC Invest) | Navy Commercial SMSF | 7.74% $2,000,000 | 7.94% $2,000,000 | 7.94% $2,000,000 | 8.09% $1,500,000 | 13 Mar 2024 | - | OO, INV | PI | 30 yrs | $2,000,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | No Clawback | App Fee $550 | 😊😊😊 | ||||||||
| 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 | 1.0% 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 - 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 | Add 0.40% for Interest Only | 1.50% App Fee | | ||||||||
| Red (RedZed) | Super Comm SMSF FD | 8.00% $3,000,000 | 8.15% $3,000,000 | 8.35% $3,000,000 | 8.55% $2,500,000 | 15 Feb 2024 | - | OO, INV | PI | 30 yrs | $3,000,000 | Add 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 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) | Easy SMSF Refi - Comm | 7.79% $2,000,000 | 7.79% $2,000,000 | 8.09% $2,000,000 | 20 Nov 2023 | 24 mths | OO, 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 | Commercial Security - OO or Inv | 😊😊😊 | |||||||||
| 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 |Â 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 |Â COMMERCIAL SECURITY | |||||||||
| Navy (BC Invest) | Navy Commercial SMSF | 7.74% $2,000,000 | 7.94% $2,000,000 | 7.94% $2,000,000 | 8.09% $1,500,000 | 13 Mar 2024 | - | OO, INV | PI | 30 yrs | $2,000,000 | Optional 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 SMSF | 7.19% $1,500,000 | 7.19% $1,500,000 | 7.49% $1,500,000 | 7.49% $1,250,000 | 13 Mar 2024 | - | INV | PI | 30 yrs | $1,500,000 | 2 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% | 😊😊😊 | ||||||||
| Navy (BC Invest) | Navy Regional SMSF | 7.49% $1,250,000 | 13 Mar 2024 | - | INV | PI | 30 yrs | $1,250,000 | Optional 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 SMSF | 7.19% $1,500,000 | 7.49% $1,500,000 | 7.49% $1,250,000 | 7.89% $1,000,000 | 8.19% $1,000,000 | 13 Mar 2024 | - | INV | PI | 30 yrs | $1,500,000 | Optional 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 - 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%Â 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 | 1.0% 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 - 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 | Add 0.40% for Interest Only | 1.50% App Fee | | ||||||||
| Purple (La Trobe) | SMSF FD 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 | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only. | |||||||||
| Red (RedZed) | Super Comm SMSF FD | 8.00% $3,000,000 | 8.15% $3,000,000 | 8.35% $3,000,000 | 8.55% $2,500,000 | 15 Feb 2024 | - | OO, INV | PI | 30 yrs | $3,000,000 | Add 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 FD | 7.24% $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 | - | INV | PI | 30 yrs | $2,000,000 | Add 0.25% for Int Only | No ERF | No Clawback | App Fee $250 |Â Sett Fee $500; Legal Fee $1500; Gtor Fee $250 | | |||||||
| NDIS | ||||||||||||||||||||
| 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 | NDIS | 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 | | RESIDENTIALÂ SECURITY | NDIS only | 0.50% rate loading for commercial security. | |||||||||
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 | 1.25% 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 NP | 7.79% $1,500,000 | 7.89% $1,500,000 | 7.89% $1,500,000 | 8.09% $1,250,000 | 13 Mar 2024 | - | INV | PI | 30 yrs | $1,500,000 | Optional 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 - 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 | 1.25% 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 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 CMAÂ |Â No NAT or LTÂ (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only |Â 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 CMAÂ | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only |Â 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 CMAÂ |Â No NAT or LTÂ (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only |Â RESIDENTIAL SECURITY | 80% LVR = 0% LPF (85% LVR = 2.50% LPF; 90% LVR = 3.5% LPF). | |||||||