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.
Business loansBank updated 11 May 2026
At a glance
- Variable
- 7.54%
§ 01 — Rates · 7
| 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 | 7.90% | — | Rate applied to new Commercial SMSF loans |
| VariableCommercial SMSF Loan 75% LVR IO | Investment · Interest only | — | 70–75% LVR · $100,000–$3,500,000 | 8.10% | — | 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 | 7.54% | — | 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 | 7.80% | — | 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 | 7.99% | — | 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 | 8.19% | — | Rate applied to new Commercial SMSF loans |
§ 02 — Fees · 4
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Loan variation | Event | $250 | — | Fees associated with varying the loan agreements |
| Discharge Fee | Exit | $350 | — | Admin fee for discharging the loan |
| Early repayment fee | Exit | $1 | — | 1.50% if discharged within 3 years (based on original loan amount) |
| Annual fee | Periodic | $395 | Every 1 yr | Annual Fee |
§ 03 — Features
RedrawExtra repaymentsDigital banking
- · 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…
§ 04 — Eligibility & 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…
§ 05 — Compare
§ 06 — Run the numbers
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Published by BNK Bank (Goldfields Money/BCHL) under the Consumer Data Right, last changed by them on 11 May 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.