SMSF Commercial
SMSF Commercial
Hejaz Islamic Home Finance publishes this at the same rates and fees as Bluebay Home Loans's SMSF Commercial, under the same ABN.
Home loansLender updated 5 Nov 2026
At a glance
- Variable (investor P&I)
- 8.08%
- Max LVR
- 80%
- Annual fee
- $395
- Features
- offset, extra repayments
Rates
Every rate Hejaz Islamic Home Finance publishes for this home loan, 48 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.59%8.23%
- 1 yr fixed8.88%
- 2 yrs fixed8.88%
- 3 yrs fixed8.88%
- 4 yrs fixed8.98%
- 5 yrs fixed8.98%
Variable rate by LVR
Investment, principal and interest, the lowest rate published for each band of the loan's share of the property's value
- ≤70%8.08%
- 70–80%8.23%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 8.93% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | ≤70% LVR, $50,000–$5,000,000 | 9.43% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 9.08% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$5,000,000 | 9.58% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.93% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.43% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.08% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.58% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.93% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.43% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.08% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.58% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.03% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.53% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.68% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 9.03% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.53% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 9.18% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.68% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | ≤70% LVR, $50,000–$3,500,000 | 8.73% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | ≤70% LVR, $50,000–$5,000,000 | 9.23% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 8.88% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$5,000,000 | 9.38% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.73% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.23% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.88% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.38% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.73% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.23% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.88% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.38% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.83% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.33% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.98% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.48% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$3,500,000 | 8.83% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | ≤70% LVR, $50,000–$5,000,000 | 9.33% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.98% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.48% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | ≤70% LVR, $50,000–$3,500,000 | 8.28% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | ≤70% LVR, $50,000–$5,000,000 | 8.78% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 8.43% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | 70–80% LVR, $50,000–$5,000,000 | 8.93% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | ≤70% LVR, $50,000–$3,500,000 | 8.08% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | ≤70% LVR, $50,000–$5,000,000 | 8.58% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 8.23% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | 70–80% LVR, $50,000–$5,000,000 | 8.73% | - | - |
Fees
4 fees published, grouped by when they're charged.
- When you take it outNo fee published
- While you hold it$395 a yearLender's Annual Facility Fee
- When you close it or pay it off$2,200Discharge Administration Fee
While you hold it1
- Lender's Annual Facility Fee$395 a year
When particular things happen1
- Fixed Rate Lock Fee$495
When you close it or pay it off1
- Discharge Administration Fee$2,200
Other fees1
- Valuation Fee
At Cost
Varies
Features
Offset accountExtra repaymentsDigital banking
- Rate Lock
- LMI Available
- Split Loan
Eligibility and limits
- Minimum balance $50,000
Compare it with others
Put this product through a calculator
Published by Hejaz Islamic Home Finance under the Consumer Data Right, last changed by them on 5 Nov 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.