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.
- 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.
- 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
- Not published by Firstmac
- time trading, turnover, funding time
- Suitable purposes
- Commercial propertyRefinance
About SMSF Commercial Loan
Firstmac publishes these details for SMSF Commercial Loan: structure commercial property loan; loan amount up to $2M; term up to 30 yrs; security property-secured; maximum LVR up to 80%; documentation 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.. Not published by Firstmac for this product: time trading, turnover, funding time. Ask the lender or a finance specialist to confirm these before you apply.
