Firstmac SMSF Commercial Loan

Product details

As published by Firstmac. Details not published by the lender are marked.

Loan amount

Up to $2M

Rate

7.69% p.a. variableSMSF 60 and SMSF 70 (up to 70% LVR) variable rate. SMSF 80 variable 7.74% p.a. Fixed rates (shown for both SMSF 70 and SMSF 80 on the product sheet; labelled SMSF 80 on the rates page): 2 years 8.64% p.a., 3 years 8.74% p.a., 5 years 9.19% p.a. Rates as of 10 September 2026 (lender's products and rates page); product sheet effective from 10 September 2026. Both sources are broker-facing pages on firstmac.com.au.

Maximum LVR

Up to 80%

Rate type

Variable

Term

Up to 30 yrs

Security

Property-secured

Structure

Commercial property loan

Fees

Application fee of $0 · Settlement fee of $0 · Annual or monthly fee of $0 · Lender's legal fee of $490 on a purchase and $0 on a refinance · Optional rate lock fee of $350 · Discharge fee of $300

Repayment frequency

Weekly, Fortnightly, Monthly

Early repayment

Unlimited extra repayments on the variable rate.

Time trading

Not published

Turnover

Not published

Documents

Signed application, SMSF serviceability calculator, super fund statements, certified SMSF trust deed, rates and land tax notices, full copy of current lease, 2 years evidence of rent received, last 2 years SMSF tax returns, contract of sale for purchases, and independent legal advice.

Guarantees

Personal guarantees from the SMSF beneficiaries; one guarantor must own property outside the SMSF.

Funding time

Not published

Restrictions

Borrower is the SMSF trustee with the property held on trust by a corporate trustee. Principal and interest repayments only. Up to 70% LVR (SMSF 70) maximum loan $2,000,000; up to 80% LVR (SMSF 80) maximum loan $1,500,000. Acceptable security: industrial, retail, office, professional suites, child care, mixed use, residential commercial.

How to apply

Direct with the lender, or through us

Suitable purposes

Commercial propertyRefinance