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Pepper Money SMSF Loan (Business Real Property)

SMSF loan up to $5M for buying or refinancing business real property, for established, compliant SMSFs with a corporate trustee.

Commercial Property FinanceRefinance & Debt Consolidation
Source dated 23 Sept 2026
Amount
Up to $5M
Term
Up to 30 yrs
Rate
7.09% to 9.99% p.a. (variable)
Security
Property-secured
Enquire about this product

Product details

As published by Pepper Money. Details not published by the lender are marked.

Loan amount
Up to $5M
Rate
7.09% to 9.99% p.a. (variable)Rate depends on your circumstances and information verified during assessment
Rate type
Variable
Term
Up to 30 yrs
Security
Property-secured
Structure
Term loan
Fees
Application fee waived on Prime Super Easy SMSF residential refinances to 12 Nov 2026
Documents
Super Easy Refinance: 6 months SMSF loan bank statements and confirmation the SMSF is compliant
Funding time
Application response within 4 to 5 business days
Restrictions
Corporate trustees only; $150K+ net assets; max LVR 80% for business real property; residential refinances up to 90% LVR and $3M; no new residential purchases from 10 Aug 2026
How to apply
Direct with the lender, or through us
Not published by Pepper Money
repayment frequency, early repayment, time trading, turnover, guarantees
Suitable purposes
Commercial propertyRefinance

About SMSF Loan (Business Real Property)

Pepper Money publishes these details for SMSF Loan (Business Real Property): structure term loan; loan amount up to $5M; term up to 30 yrs; security property-secured; documentation super Easy Refinance: 6 months SMSF loan bank statements and confirmation the SMSF is compliant; funding time application response within 4 to 5 business days. Not published by Pepper Money for this product: maximum LVR, time trading, turnover, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Pepper Money products

  • Commercial Asset Finance (Commercial Loan & Mortgage): Structure is term loan here and chattel mortgage for Commercial Asset Finance (Commercial Loan & Mortgage); Pepper Money publishes loan amount (up to $5M) for this product but not for Commercial Asset Finance (Commercial Loan & Mortgage); Pepper Money publishes term (up to 30 yrs) for this product but not for Commercial Asset Finance (Commercial Loan & Mortgage); security is property-secured here and asset-backed for Commercial Asset Finance (Commercial Loan & Mortgage).
  • Commercial Property Loan: Term is up to 30 yrs here and 1 yr to 30 yrs for Commercial Property Loan; documentation is super Easy Refinance: 6 months SMSF loan bank statements and confirmation the SMSF is compliant here and full doc (1 year tax return option) or alt doc options available for Commercial Property Loan; funding time is application response within 4 to 5 business days here and approval within 6 to 7 business days for loans under $1.5M, if eligible; timeframes may change for Commercial Property Loan; suitable purposes is commercial property, Refinance here and commercial property, Refinance, Tax debt for Commercial Property Loan.
  • Finance Lease (business assets): Structure is term loan here and lease for Finance Lease (business assets); Pepper Money publishes loan amount (up to $5M) for this product but not for Finance Lease (business assets); Pepper Money publishes term (up to 30 yrs) for this product but not for Finance Lease (business assets); security is property-secured here and asset-backed for Finance Lease (business assets).

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