MA Money Financial Services Pty LtdSMSF Commercial Loan – Prime
MA Money SMSF commercial mortgage for eligible Self Managed Superannuation Funds purchasing or refinancing commercial property.
Business loansLender updated 9 Oct 2026
At a glance
- Variable
- 7.89%
- Loan size
- $100,000 to $8,000,000
- Upfront fee
- $0
- Monthly fee
- $25
Rates
Every rate MA Money Financial Services Pty Ltd publishes for this business loan, 24 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | ≤65% LVR, $100,000–$4,000,000 | 7.89% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | ≤65% LVR, $4,000,001–$8,000,000 | 8.69% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $100,000–$4,000,000 | 7.99% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 65–70% LVR, $4,000,001–$7,000,000 | 8.79% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 70–75% LVR, $100,000–$3,000,000 | 8.24% | - | Available under Full Documentation. |
| Variable | Investment, Interest only | - | 75–80% LVR, $100,000–$2,500,000 | 9.19% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $100,000–$4,000,000 | 7.89% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | ≤65% LVR, $4,000,001–$8,000,000 | 8.69% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $100,000–$4,000,000 | 7.99% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 65–70% LVR, $4,000,001–$7,000,000 | 8.79% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 70–75% LVR, $100,000–$3,000,000 | 8.24% | - | Available under Full Documentation. |
| Variable | Investment, P&I | - | 75–80% LVR, $100,000–$2,500,000 | 9.19% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $100,000–$4,000,000 | 7.89% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | ≤65% LVR, $4,000,001–$8,000,000 | 8.69% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $100,000–$4,000,000 | 7.99% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 65–70% LVR, $4,000,001–$7,000,000 | 8.79% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 70–75% LVR, $100,000–$3,000,000 | 8.24% | - | Available under Full Documentation. |
| Variable | Owner occupied, Interest only | - | 75–80% LVR, $100,000–$2,500,000 | 9.19% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $100,000–$4,000,000 | 7.89% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | ≤65% LVR, $4,000,001–$8,000,000 | 8.69% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $100,000–$4,000,000 | 7.99% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 65–70% LVR, $4,000,001–$7,000,000 | 8.79% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 70–75% LVR, $100,000–$3,000,000 | 8.24% | - | Available under Full Documentation. |
| Variable | Owner occupied, P&I | - | 75–80% LVR, $100,000–$2,500,000 | 9.19% | - | Available under Full Documentation. |
Rate changes
24 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 10 Oct 2026 | Variable, Investment, Interest only, ≤65% LVR, $100,000–$4,000,000 | 7.59% | 7.89% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, ≤65% LVR, $4,000,001–$8,000,000 | 8.39% | 8.69% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $100,000–$4,000,000 | 7.69% | 7.99% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 65–70% LVR, $4,000,001–$7,000,000 | 8.49% | 8.79% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, Interest only, 70–75% LVR, $100,000–$3,000,000 | 7.89% | 8.24% | up 0.35 |
| 10 Oct 2026 | Variable, Investment, Interest only, 75–80% LVR, $100,000–$2,500,000 | 8.79% | 9.19% | up 0.40 |
| 10 Oct 2026 | Variable, Investment, P&I, ≤65% LVR, $100,000–$4,000,000 | 7.59% | 7.89% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, ≤65% LVR, $4,000,001–$8,000,000 | 8.39% | 8.69% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, 65–70% LVR, $100,000–$4,000,000 | 7.69% | 7.99% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, 65–70% LVR, $4,000,001–$7,000,000 | 8.49% | 8.79% | up 0.30 |
| 10 Oct 2026 | Variable, Investment, P&I, 70–75% LVR, $100,000–$3,000,000 | 7.89% | 8.24% | up 0.35 |
| 10 Oct 2026 | Variable, Investment, P&I, 75–80% LVR, $100,000–$2,500,000 | 8.79% | 9.19% | up 0.40 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, ≤65% LVR, $100,000–$4,000,000 | 7.59% | 7.89% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, ≤65% LVR, $4,000,001–$8,000,000 | 8.39% | 8.69% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR, $100,000–$4,000,000 | 7.69% | 7.99% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 65–70% LVR, $4,000,001–$7,000,000 | 8.49% | 8.79% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 70–75% LVR, $100,000–$3,000,000 | 7.89% | 8.24% | up 0.35 |
| 10 Oct 2026 | Variable, Owner occupied, Interest only, 75–80% LVR, $100,000–$2,500,000 | 8.79% | 9.19% | up 0.40 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, ≤65% LVR, $100,000–$4,000,000 | 7.59% | 7.89% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, ≤65% LVR, $4,000,001–$8,000,000 | 8.39% | 8.69% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR, $100,000–$4,000,000 | 7.69% | 7.99% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 65–70% LVR, $4,000,001–$7,000,000 | 8.49% | 8.79% | up 0.30 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 70–75% LVR, $100,000–$3,000,000 | 7.89% | 8.24% | up 0.35 |
| 10 Oct 2026 | Variable, Owner occupied, P&I, 75–80% LVR, $100,000–$2,500,000 | 8.79% | 9.19% | up 0.40 |
Each change is logged the night it appears in the rates MA Money publishes. See how every lender answered the RBA on the rate tracker.
Fees
7 fees published, grouped by when they're charged.
- When you take it outVaries2 fees, each listed below
- While you hold it$25 a monthMonthly Fee
- When you close it or pay it offVaries2 fees, each listed below
When you take it out2
- Application Fee
No application fee. Excludes GST.
No fee - Risk Fee
Risk fee 1.00% of loan amount at all LVRs up to 80% for SMSF Commercial loans. Excludes GST.
1.00% of balance
While you hold it1
- Monthly Fee
Monthly fee of $25. Charged monthly on the loan anniversary date. Excludes GST.
$25 a month
When particular things happen2
- Legal Fee
Legal fee from $1,250. Excludes GST.
From $1,250 - Valuation Fee
Valuation fees at cost, paid prior to ordering via Property Hub. Full valuations only for SMSF Commercial. Excludes GST.
From $0
When you close it or pay it off2
- Discharge Fee
Discharge fee from $550. Excludes GST.
From $550 - Early Repayment Fee
2% of the original loan amount if the loan is fully repaid within the first 3 years. No early repayment fee after 3 years. Excludes GST.
2.00% of balance
Features
- Interest Only available up to 5 years.
- No annual review or revaluations required.
- No clawbacks on SMSF Commercial Loans.
Eligibility and limits
- Amount $100,000 to $8,000,000
- Maximum LVR 80%
- SMSF Trustee (corporate or individual) required. Property held on Property Trust by a Property Trustee. Security trustee must provide guarantee limited to security property. Maximum 6 SMSF members. P…
- Independent legal advice mandatory for all SMSF Trustee borrowers and guarantors. Prior legal advice accepted for refinances.
- Available for purchase of investment or owner-occupied commercial property, or refinance of an existing SMSF commercial loan. Equity release and cash out are not available.
- Prime credit quality required for all SMSF members. Aggregate paid defaults up to $1,000 may be considered.
- Serviceability assessed entirely within the SMSF. DSCR > 1.0x. No ICR requirement for SMSF Commercial. No liquidity or net asset testing. 90% rental income assessed.
- Commercial property zoned commercial or similar, situated in Australia, secured by a first registered mortgage. The security must be in an eligible postcode category where commercial property is the…
- Loan term 5 to 30 years.
- PAYG members: two most recent payslips (dated within 45 days). Self-Employed: 1 year personal (and if applicable company/trust) tax return, no older than 21 months. Executed SMSF Trust Deed and Secur…
- Offset accounts and redraw are not available for this product.
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Published by MA Money 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.