BNK Bank (Goldfields Money/BCHL)Commercial SMSF Loan
The Gold Commercial Self Managed Super Fund (SMSF) Loan is designed to provide loans to authorized Australian Self-Managed Super Funds for the purpose of purchasing or refinancing commercial investment property. Available to PAYG and Self-Employed Applicants.
At a glance
- Variable
- 7.64%
Rates
Every rate BNK Bank (Goldfields Money/BCHL) publishes for this business loan, 7 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableCommercial SMSF Loan Up to 60% LVR IO | Investment, Interest only | - | ≤60% LVR, $100,000–$5,000,000 | 7.74% | - | Rate applied to new Commercial SMSF loans |
| VariableCommercial SMSF Loan Up to 70% LVR IO | Investment, Interest only | - | 60–70% LVR, $100,000–$5,000,000 | 8.15% | - | Rate applied to new Commercial SMSF loans |
| VariableCommercial SMSF Loan 75% LVR IO | Investment, Interest only | - | 70–75% LVR, $100,000–$3,500,000 | 8.35% | - | Rate applied to new Commercial SMSF loans |
| VariableCommercial SMSF Loan - Up to 60% LVR P&I | Investment, P&I | - | ≤60% LVR, $100,000–$5,000,000 | 7.64% | - | Rate applied to new Commercial SMSF loans |
| VariableCommercial SMSF Loan Up to 70% LVR P&I | Investment, P&I | - | 60–70% LVR, $100,000–$5,000,000 | 8.05% | - | Rate applied to new Commercial SMSF loans |
| VariableCommercial SMSF Loan 75% LVR P&I | Investment, P&I | - | 70–75% LVR, $100,000–$3,500,000 | 8.24% | - | Rate applied to new Commercial SMSF loans |
| VariableCommercial SMSF Loan 80% LVR P&I | Investment, P&I | - | 75–80% LVR, $100,000–$2,750,000 | 8.44% | - | Rate applied to new Commercial SMSF loans |
Rate changes
6 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 22 Oct 2026 | Variable, Investment, Interest only, 60–70% LVR, $100,000–$5,000,000 | 7.90% | 8.15% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR, $100,000–$3,500,000 | 8.10% | 8.35% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, ≤60% LVR, $100,000–$5,000,000 | 7.54% | 7.64% | up 0.10 |
| 22 Oct 2026 | Variable, Investment, P&I, 60–70% LVR, $100,000–$5,000,000 | 7.80% | 8.05% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 70–75% LVR, $100,000–$3,500,000 | 7.99% | 8.24% | up 0.25 |
| 22 Oct 2026 | Variable, Investment, P&I, 75–80% LVR, $100,000–$2,750,000 | 8.19% | 8.44% | up 0.25 |
Each change is logged the night it appears in the rates BNK Bank (Goldfields Money/BCHL) publishes. See how every lender answered the RBA on the rate tracker.
Fees
4 fees published, grouped by when they're charged.
- When you take it outNo fee published
- While you hold it$395 a yearAnnual fee
- When you close it or pay it offUp to $3502 fees, each listed below
While you hold it1
- Annual fee
Annual Fee
$395 a year
When particular things happen1
- Loan variation
Fees associated with varying the loan agreements
$250
When you close it or pay it off2
- Discharge Fee
Admin fee for discharging the loan
$350 - Early repayment fee
1.50% if discharged within 3 years (based on original loan amount)
From $1
Features
- Option to split loan
- Security Location - [80% LVR – Cat 1], [75% LVR – Cat 2], [70% LVR – Cat 3]
- Maximum loan term - 30 years
- Up to 5 year interest only terms
- Maximum loan amount: $3,000,000 - 70% LVR (Cat 1)*, $2,500,000 - 75% LVR (Cat 1)*, $2,000,000 - 80% LVR (Cat 1)*, $2,000,000 - 75% LVR (Cat 2)^, $1,500,000 - 70% LVR (Cat 3)^. [^ in aggregate, * in a…
Eligibility and limits
- Employment: self-managed superannuation fund (SMSF) corporate trustees who, acting in accordance with the Superannuation Industry (Supervision) Act 1993 (Cth)
- Minimum balance $100,000
- SMSF Trustee (Borrower) The SMSF trustee must be a corporate trustee (where all beneficiaries must be directors of the trustee company), on behalf of a SMSF. Property Trustee (Mortgagor) The property…
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Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right, last changed by them on 21 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.