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Commercial SMSF loan

Commercial SMSF loans

Business loansBank updated 9 Oct 2026

At a glance

Variable
7.90%
Loan size
$100,000 to $4,000,000
Upfront fee
$695

Rates

The one rate Liberty Financial publishes for this business loan.

TypeApplies toTermBandRateComparisonConditions
VariableHigher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio (LVR). The maximum LVR may vary depending on property type.Investment, P&I--7.90%--

Fees

9 fees published, grouped by when they're charged.

  1. When you take it outUp to $7956 fees, each listed below
  2. While you hold it$30Ongoing fee
  3. When you close it or pay it offUp to $3952 fees, each listed below

When you take it out6

  • Application fee
    $795
  • Documentation fee
    $695
  • Establishment Fee

    The Establishment fee is calculated as a percentage of the loan amount and has a minimum fee of $2,500.

    1.00% of balance
  • Settlement fee
    $595
  • SMSF Review fee

    Applies for review of existing SMSF.

    $695
  • Valuation fee

    Valuation fee covers the cost of a bank valuation on every security. Fee can be paid from settlement proceeds.

    From $0

While you hold it1

  • Ongoing fee
    $30

When you close it or pay it off2

  • Deferred facility fee

    Deferred Facility fee is 1% of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement.

    1.00% of balance
  • Discharge fee

    Discharge fee of $395 plus legal fees and government charges are due upon loan finalisation.

    $395

Features

Extra repayments
  • Owner-occupier available
  • Repay weekly, fortnightly, monthly
  • Interest only loans may be higher than advertised interest rate.

Eligibility and limits

  • Amount $100,000 to $4,000,000
  • Maximum LVR 80%
  • Product only suitable for self-managed super funds

Published by Liberty Financial under the Consumer Data Right, last changed by them on 9 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.