SMSF Rate Watch
All SMSF products require a Corporate Trustee - except Ocean and Purple products. Rates and fees are subject to change at any time without notice.
"Comm" designates Commercial Security; NAT = Net Asset Test; LT = Liquidity Test
Alt Doc
Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | |||||||||||||||||||||
| Ocean | D1 Diamond SMSF Comm - A | 7.39% $3,000,000 [Nil] | 7.69% $3,000,000 [Nil] | 7.69% $3,000,000 [Nil] | 19 Mar 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 0.85% | OO, INV | PI | 30 yrs | $150,000 | $3,000,000 | App Fee - WAIVED to 65% LVR |No Liquidity Requirements | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | Lower Loan Amounts for Cat 2 - Refer BDM |😊 | ||||
| Ocean | D2 Diamond MaX SMSF Comm - A [Cat 1] | 7.69% $5,000,000 [Nil] | 8.19% $4,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | 0.30% | 1.25% | OO, INV | PI | 30 yrs | $3,000,000 | $5,000,000 | NAT of $150,000 prior to new loan. |No Liquidity Requirements | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | 😊 | |||||
| Ocean | D3 Diamond SMSF Comm - 80A [BNE, SYD, MEL] | 8.19% $3,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | 0.30% | 1.00% | OO, INV | PI | 30 yrs | $150,000 | $3,000,000 | COMMERCIAL SECURITY | BNE, SYD or MEL selected postcodes Only! |😊 | ||||||
| Purple | Clear SMSF Comm Altdoc A - Variable | 7.09% $5,000,000 [Nil] | 7.09% $5,000,000 [Nil] | 7.09% $5,000,000 [Nil] | 7.29% $5,000,000 [Nil] | 19 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 30 yrs | $100,000 | $5,000,000 | ALTDOC SMSF - same rate as FD | Altdoc serviced outside the Fund | No Liquidity Test or min. SMSF balance requirement | 2.5% of Loan Amount required in CMA at settlement - Purchases Only | Contributions in last 12 mths for SE | 6 mths history for PAYE additional contributions | No SOA required | | |||
| Purple | Clear SMSF Comm MaX A - Variable | 7.69% $10,000,000 [Nil] | 7.99% $10,000,000 [Nil] | 7.99% $10,000,000 [Nil] | 9 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 30 yrs | $5,000,000 | $10,000,000 | No Liquidity Test or min. SMSF balance requirement | | ||||
| Red | Super Comm SMSF Alt LSAC | 7.85% $3,000,000 [Nil] | 7.85% $3,000,000 [Nil] | 7.90% $3,000,000 [Nil] | 8.15% $2,500,000 [Nil] | 22 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 0.65% | OO, INV | PI | 30 yrs | $100,000 | $3,000,000 | No ERF | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | Lump Sum or Additional Contributions - Serviced OUTSIDE the Fund | | |||
| Investor | |||||||||||||||||||||
| Ocean | D1 Diamond Resi SMSF - A | 6.84% $1,750,000 [Nil] | 7.09% $1,750,000 [Nil] | 7.09% $1,750,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | Waived | INV | PI | 30 yrs | $150,000 | $1,750,000 | NAT of $150,000 prior to new loan. | LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles. |Same Rates Altdoc or FD | REFI: 6mths loan statements + 12 mths CMA statements | 😊😊 | ||||
| Ocean | D1 Diamond SMSF Comm - A | 7.39% $3,000,000 [Nil] | 7.69% $3,000,000 [Nil] | 7.69% $3,000,000 [Nil] | 19 Mar 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 0.85% | OO, INV | PI | 30 yrs | $150,000 | $3,000,000 | App Fee - WAIVED to 65% LVR |No Liquidity Requirements | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | Lower Loan Amounts for Cat 2 - Refer BDM |😊 | ||||
| Ocean | D2 Diamond MaX SMSF Comm - A [Cat 1] | 7.69% $5,000,000 [Nil] | 8.19% $4,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | 0.30% | 1.25% | OO, INV | PI | 30 yrs | $3,000,000 | $5,000,000 | NAT of $150,000 prior to new loan. |No Liquidity Requirements | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | 😊 | |||||
| Ocean | D3 Diamond SMSF Comm - 80A [BNE, SYD, MEL] | 8.19% $3,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | 0.30% | 1.00% | OO, INV | PI | 30 yrs | $150,000 | $3,000,000 | COMMERCIAL SECURITY | BNE, SYD or MEL selected postcodes Only! |😊 | ||||||
| Purple | Clear SMSF Comm Altdoc A - Variable | 7.09% $5,000,000 [Nil] | 7.09% $5,000,000 [Nil] | 7.09% $5,000,000 [Nil] | 7.29% $5,000,000 [Nil] | 19 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 30 yrs | $100,000 | $5,000,000 | ALTDOC SMSF - same rate as FD | Altdoc serviced outside the Fund | No Liquidity Test or min. SMSF balance requirement | 2.5% of Loan Amount required in CMA at settlement - Purchases Only | Contributions in last 12 mths for SE | 6 mths history for PAYE additional contributions | No SOA required | | |||
| Purple | Clear SMSF Comm MaX A - Variable | 7.69% $10,000,000 [Nil] | 7.99% $10,000,000 [Nil] | 7.99% $10,000,000 [Nil] | 9 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 30 yrs | $5,000,000 | $10,000,000 | No Liquidity Test or min. SMSF balance requirement | | ||||
| Purple | SMSF Altdoc Resi A - Variable | 6.59% $3,000,000 [Nil] | 6.69% $2,500,000 [Nil] | 6.79% $3,000,000 [Nil] | 9 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | $1,495 | INV, NDIS | PI | 30 yrs | $150,000 | $3,000,000 | ALTDOC SMSF | No Liquidity Test or min. SMSF balance requirement | No Liquidity Test or min. SMSF balance requirement | No Offset | Available for NDIS - no rate loading | Market Rental | Market Value | | ||||
| Red | Super Comm SMSF Alt LSAC | 7.85% $3,000,000 [Nil] | 7.85% $3,000,000 [Nil] | 7.90% $3,000,000 [Nil] | 8.15% $2,500,000 [Nil] | 22 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 0.65% | OO, INV | PI | 30 yrs | $100,000 | $3,000,000 | No ERF | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | Lump Sum or Additional Contributions - Serviced OUTSIDE the Fund | | |||
| Red | Super Resi SMSF Alt LSAC | 7.20% $2,000,000 [Nil] | 7.20% $2,000,000 [Nil] | 7.20% $2,000,000 [Nil] | 7.50% $1,750,000 [Nil] | 7.50% $1,500,000 [Nil] | 22 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 399 | INV | PI | 30 yrs | $100,000 | $2,000,000 | App Fee includes Val to EMV $2m | No ERF | No Offset Account | Lump Sums or Additional Contributions | Serviced OUTSIDE the Fund | | ||
| NDIS | |||||||||||||||||||||
| Purple | SMSF Altdoc Resi A - Variable | 6.59% $3,000,000 [Nil] | 6.69% $2,500,000 [Nil] | 6.79% $3,000,000 [Nil] | 9 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | $1,495 | INV, NDIS | PI | 30 yrs | $150,000 | $3,000,000 | ALTDOC SMSF | No Liquidity Test or min. SMSF balance requirement | No Liquidity Test or min. SMSF balance requirement | No Offset | Available for NDIS - no rate loading | Market Rental | Market Value | | ||||
Near Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | |||||||||||||||||||||
| Ocean | Emerald Resi SMSF Altdoc - B | 7.74% $1,750,000 [Nil] | 7.94% $1,750,000 [Nil] | 7.94% $1,750,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 1.0% | INV | PI | 30 yrs | $150,000 | $1,750,000 | NAT of $150,000 prior to new loan. LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles | REFI: 6mths loan statements + 12 mths CMA statements | Will allow late payments <1 mth | | ||||
Full Doc
Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | |||||||||||||||||||||
| Cabernet | C1 FlexCom SMSF Comm - Variable | 7.50% $3,500,000 | 7.60% $3,500,000 | 7.70% $3,500,000 | 7.70% $3,500,000 | 9 Mar 2026 | - | 24 mths | Clawback | 1, 2 | 0.40% | $250 | OO, INV | PI | 30 yrs | $50,000 | $3,500,000 | Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | COMMERCIAL SECURITY | Rate loading of .25 if proposed contributions required | |||
| Cabernet | C5 Easy FlexCom SMSF Refi - Comm | 7.50% $3,500,000 | 7.60% $3,500,000 | 7.70% $3,500,000 | 9 Mar 2026 | - | 24 mths | Clawback | 1, 2 | 0.40% | $250 | OO, INV | PI | 30 yrs | $50,000 | $3,500,000 | Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | COMMERCIAL SECURITY | | ||||
| Navy | Navy Commercial SMSF | 7.29% $2,000,000 [Waived] | 7.39% $2,000,000 [Waived] | 7.39% $2,000,000 [Waived] | 7.89% $2,000,000 [Waived] | 7.89% $2,000,000 [Waived] | 23 Mar 2026 | 31 Mar 2026 | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | OO, INV, NDIS | PI | 30 yrs | $150,000 | $2,000,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | 😊😊😊 | ||
| Navy | Navy Commercial SMSF - Regional | 7.89% $1,500,000 [Waived] | 23 Mar 2026 | 31 Mar 2026 | Nil mths | No Clawback | 2, 3 | 0.30% | $550 | OO, INV | PI | 30 yrs | $150,000 | $1,500,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Regional securities only | | ||||||
| Ocean | D1 Diamond SMSF Comm - A | 7.39% $3,000,000 [Nil] | 7.69% $3,000,000 [Nil] | 7.69% $3,000,000 [Nil] | 19 Mar 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 0.85% | OO, INV | PI | 30 yrs | $150,000 | $3,000,000 | App Fee - WAIVED to 65% LVR |No Liquidity Requirements | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | Lower Loan Amounts for Cat 2 - Refer BDM |😊 | ||||
| Ocean | D2 Diamond MaX SMSF Comm - A [Cat 1] | 7.69% $5,000,000 [Nil] | 8.19% $4,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | 0.30% | 1.25% | OO, INV | PI | 30 yrs | $3,000,000 | $5,000,000 | NAT of $150,000 prior to new loan. |No Liquidity Requirements | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | 😊 | |||||
| Ocean | D3 Diamond SMSF Comm - 80A [BNE, SYD, MEL] | 8.19% $3,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | 0.30% | 1.00% | OO, INV | PI | 30 yrs | $150,000 | $3,000,000 | COMMERCIAL SECURITY | BNE, SYD or MEL selected postcodes Only! |😊 | ||||||
| Platinum | Platinum SMSF Commercial Location Cat 1&2 | 7.44% $4,000,000 | 7.54% $4,000,000 | 7.74% $4,000,000 | 16 Mar 2026 | - | 18 mths | Clawback, No Clawback Option | 1, 2 | 0.30% | $330 | OO, INV | IO, PI | 30 yrs | $50,000 | $4,000,000 | Nil Clawback Option 1% fee applies Deducted at Settlement. NSW, VIC and QLD Securities Only | ||||
| Purple | Clear SMSF Comm A - Variable | 7.09% $5,000,000 [Nil] | 7.09% $5,000,000 [Nil] | 7.09% $5,000,000 [Nil] | 7.29% $5,000,000 [Nil] | 19 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 30 yrs | $100,000 | $5,000,000 | ALTDOC SMSF - same rate as FD | Altdoc serviced outside the Fund | No Liquidity Test or min. SMSF balance requirement | 2.5% of Loan Amount required in CMA at settlement - Purchases Only | Contributions in last 12 mths for SE | 6 mths history for PAYE additional contributions | No SOA required | | |||
| Purple | Clear SMSF Comm MaX A - Variable | 7.69% $10,000,000 [Nil] | 7.99% $10,000,000 [Nil] | 7.99% $10,000,000 [Nil] | 9 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 30 yrs | $5,000,000 | $10,000,000 | No Liquidity Test or min. SMSF balance requirement | | ||||
| Red | Super Comm SMSF FD | 7.50% $3,000,000 [Nil] | 7.50% $3,000,000 [Nil] | 7.55% $3,000,000 [Nil] | 7.80% $2,500,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 0.65% | OO, INV | PI | 30 yrs | $100,000 | $3,000,000 | | No ERF | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | Serviced Inside the Fund | | |||
| Investor | |||||||||||||||||||||
| Cabernet | C1 Easy SMSF Refi | 6.90% $3,500,000 | 7.00% $3,500,000 | 7.10% $3,500,000 | 9 Mar 2026 | - | 24 mths | Clawback | 1, 2 | 0.40% | $ Nil | INV | PI | 30 yrs | $50,000 | $3,500,000 | When the actual rent received covers 100% of actual repayments |Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | RESIDENTIAL SECURITY 😊😊😊 | ||||
| Cabernet | C1 FlexCom SMSF Comm - Variable | 7.50% $3,500,000 | 7.60% $3,500,000 | 7.70% $3,500,000 | 7.70% $3,500,000 | 9 Mar 2026 | - | 24 mths | Clawback | 1, 2 | 0.40% | $250 | OO, INV | PI | 30 yrs | $50,000 | $3,500,000 | Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | COMMERCIAL SECURITY | Rate loading of .25 if proposed contributions required | |||
| Cabernet | C3 Flex SMSF Resi - Variable | 6.90% $3,500,000 | 7.00% $3,500,000 | 7.10% $3,500,000 | 7.60% $2,000,000 [2.50%] | 7.60% $1,500,000 [3.50%] | 19 Mar 2026 | - | 24 mths | Clawback | 1, 2 | 0.40% | $ Nil | INV | PI | 30 yrs | $50,000 | $3,500,000 | 100% Offset is fee free | No NAT or LT (Net Asset Test or Liquidity Test) | LPF applies >80% LVR | RESIDENTIAL SECURITY. Rate loading of .25 if proposed contributions required | ||
| Cabernet | C5 Easy FlexCom SMSF Refi - Comm | 7.50% $3,500,000 | 7.60% $3,500,000 | 7.70% $3,500,000 | 9 Mar 2026 | - | 24 mths | Clawback | 1, 2 | 0.40% | $250 | OO, INV | PI | 30 yrs | $50,000 | $3,500,000 | Free 100% Offset a limited transaction facility to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | COMMERCIAL SECURITY | | ||||
| Navy | N1 Navy Retire SMSF | 6.65% $1,500,000 [Waived] | 6.79% $1,500,000 [Waived] | 7.09% $1,500,000 [Waived] | 7.09% $1,250,000 [Waived] | 7.64% $1,000,000 [1.50%] | 7.94% $1,000,000 [1.50%] | 23 Mar 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | INV | PI | 30 yrs | $150,000 | $1,500,000 | Optional Offset account - 0.10% rate loading | No Clawback | Fixed Rates available on request | Add 0.30% for Int Only | Corporate Trustees Only | No Risk Fee to 80% - METRO only | 😊😊😊 | |
| Navy | N2 Navy Express Refi SMSF | 6.65% $1,500,000 [Waived] | 6.79% $1,500,000 [Waived] | 23 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3 | 0.30% | $550 | INV | PI | 30 yrs | $150,000 | $1,500,000 | 2 Yrs Repayment History; Rates Notice & 1 Yr Rental Statements | Optional Offset account - 0.10% rate loading | No Clawback | Corporate Trustees Only | No Risk Fee to 80% | Legal advice WAIVED (excl Private loans) | 😊😊😊 | |||||
| Navy | Navy Commercial SMSF | 7.29% $2,000,000 [Waived] | 7.39% $2,000,000 [Waived] | 7.39% $2,000,000 [Waived] | 7.89% $2,000,000 [Waived] | 7.89% $2,000,000 [Waived] | 23 Mar 2026 | 31 Mar 2026 | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | OO, INV, NDIS | PI | 30 yrs | $150,000 | $2,000,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | 😊😊😊 | ||
| Navy | Navy Commercial SMSF - Regional | 7.89% $1,500,000 [Waived] | 23 Mar 2026 | 31 Mar 2026 | Nil mths | No Clawback | 2, 3 | 0.30% | $550 | OO, INV | PI | 30 yrs | $150,000 | $1,500,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Regional securities only | | ||||||
| Navy | Navy Commercial SMSF Xpress Refi - INVESTMENT | 7.39% $2,000,000 [Waived] | 7.39% $2,000,000 [Waived] | 23 Mar 2026 | 31 Mar 2026 | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | INV | PI | 30 yrs | $150,000 | $2,000,000 | Optional Offset account - add 0.10% | Metro securities only | EXPRESS REFI APPLIES - INV Only |😊😊😊 | |||||
| Navy | Navy NDIS SMSF - Metro | 7.79% $1,500,000 [Waived] | 8.09% $1,500,000 [Waived] | 8.09% $1,250,000 [Waived] | 23 Mar 2026 | - | Nil mths | No Clawback | 1 | 0.30% | $550 | INV, NDIS | PI | 30 yrs | $150,000 | $1,500,000 | Optional Offset account - 0.10% rate loading | No Clawback | Fixed Rates available on request | Corporate Trustees Only | No Risk Fee to 80% - METRO only | Includes NDIS - max 2 apartments 80% |😊😊😊 | ||||
| Ocean | D1 Diamond Resi SMSF - A | 6.84% $1,750,000 [Nil] | 7.09% $1,750,000 [Nil] | 7.09% $1,750,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | Waived | INV | PI | 30 yrs | $150,000 | $1,750,000 | NAT of $150,000 prior to new loan. | LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles. |Same Rates Altdoc or FD | REFI: 6mths loan statements + 12 mths CMA statements | 😊😊 | ||||
| Ocean | D1 Diamond SMSF Comm - A | 7.39% $3,000,000 [Nil] | 7.69% $3,000,000 [Nil] | 7.69% $3,000,000 [Nil] | 19 Mar 2026 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 0.85% | OO, INV | PI | 30 yrs | $150,000 | $3,000,000 | App Fee - WAIVED to 65% LVR |No Liquidity Requirements | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | Lower Loan Amounts for Cat 2 - Refer BDM |😊 | ||||
| Ocean | D2 Diamond MaX SMSF Comm - A [Cat 1] | 7.69% $5,000,000 [Nil] | 8.19% $4,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | 0.30% | 1.25% | OO, INV | PI | 30 yrs | $3,000,000 | $5,000,000 | NAT of $150,000 prior to new loan. |No Liquidity Requirements | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | 😊 | |||||
| Ocean | D3 Diamond SMSF Comm - 80A [BNE, SYD, MEL] | 8.19% $3,000,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1 | 0.30% | 1.00% | OO, INV | PI | 30 yrs | $150,000 | $3,000,000 | COMMERCIAL SECURITY | BNE, SYD or MEL selected postcodes Only! |😊 | ||||||
| Platinum | P1 Platinum SMSF - Resi [Cat 1] | 6.79% $3,000,000 [Nil] | 6.84% $3,000,000 [Nil] | 7.04% $3,000,000 [Nil] | 7.04% $3,000,000 [Nil] | 7.54% $1,000,000 [Nil] | 7.74% $1,000,000 [Nil] | 30 Mar 2026 | - | 18 mths | Clawback | 1 | 0.30% | $250 | INV | PI | 30 yrs | $150,000 | $3,000,000 | Free Offset account | | |
| Platinum | P1 Platinum SMSF - Security Resi [Cat 1] | 6.84% $3,000,000 [0.50%] | 15 Aug 2025 | - | 18 mths | Clawback | 1 | 0.30% | $250 | INV | PI | 30 yrs | $150,000 | $3,000,000 | Free Offset account | Units <50m2 | Serviced Apartments | Holiday Let Securities | Resort Units | Dual Key Apartments | Up to 10 Units on 1 Title | | ||||||
| Platinum | P2 Platinum SMSF - Xpress Refi [Cat 1] | 7.04% $3,000,000 [Nil] | 7.24% $3,000,000 [Nil] | 7.24% $3,000,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback | 1 | 0.30% | $250 | INV | PI | 30 yrs | $150,000 | $3,000,000 | Free Offset account | Corporate Trustees Only Use existing rent (12 months history required) to cover to new repayment (12 mths history) | ILA Waived | 😊😊😊 | ||||
| Platinum | P3 Platinum SMSF - Resi [Cat 2] | 6.79% $1,500,000 [Nil] | 6.84% $1,200,000 [Nil] | 7.04% $1,200,000 [Nil] | 7.04% $1,200,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback | 2 | 0.30% | $250 | INV | PI | 30 yrs | $150,000 | $1,500,000 | Free Offset account |Cat 2 Only | | |||
| Platinum | P4 Platinum SMSF - Resi [Cat 3 & 4] | 6.79% $750,000 [Nil] | 7.54% $500,000 [Nil] | 7.54% $400,000 [Nil] | 15 Aug 2025 | - | 18 mths | Clawback | 3, 4 | 0.30% | $250 | INV | PI | 30 yrs | $150,000 | $750,000 | Free Offset account |Cat 3 & 4 only | | ||||
| Platinum | Platinum SMSF Commercial Location Cat 1&2 | 7.44% $4,000,000 | 7.54% $4,000,000 | 7.74% $4,000,000 | 16 Mar 2026 | - | 18 mths | Clawback, No Clawback Option | 1, 2 | 0.30% | $330 | OO, INV | IO, PI | 30 yrs | $50,000 | $4,000,000 | Nil Clawback Option 1% fee applies Deducted at Settlement. NSW, VIC and QLD Securities Only | ||||
| Purple | Clear SMSF Comm A - Variable | 7.09% $5,000,000 [Nil] | 7.09% $5,000,000 [Nil] | 7.09% $5,000,000 [Nil] | 7.29% $5,000,000 [Nil] | 19 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 30 yrs | $100,000 | $5,000,000 | ALTDOC SMSF - same rate as FD | Altdoc serviced outside the Fund | No Liquidity Test or min. SMSF balance requirement | 2.5% of Loan Amount required in CMA at settlement - Purchases Only | Contributions in last 12 mths for SE | 6 mths history for PAYE additional contributions | No SOA required | | |||
| Purple | Clear SMSF Comm MaX A - Variable | 7.69% $10,000,000 [Nil] | 7.99% $10,000,000 [Nil] | 7.99% $10,000,000 [Nil] | 9 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | 1.4% | OO, INV | PI | 30 yrs | $5,000,000 | $10,000,000 | No Liquidity Test or min. SMSF balance requirement | | ||||
| Purple | SMSF Clear FD Resi A - Variable | 6.59% $3,000,000 [Nil] | 6.69% $3,000,000 [Nil] | 6.79% $3,000,000 [Nil] | 9 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | $1,495 | INV, NDIS | PI | 30 yrs | $150,000 | $3,000,000 | No Liquidity Test or min. SMSF balance requirement | No Offset | Available for NDIS - no loading | | ||||
| Red | Super Comm SMSF FD | 7.50% $3,000,000 [Nil] | 7.50% $3,000,000 [Nil] | 7.55% $3,000,000 [Nil] | 7.80% $2,500,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 0.65% | OO, INV | PI | 30 yrs | $100,000 | $3,000,000 | | No ERF | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | Serviced Inside the Fund | | |||
| Red | Super Resi SMSF FD | 6.85% $2,000,000 [Nil] | 6.85% $2,000,000 [Nil] | 6.85% $2,000,000 [Nil] | 7.15% $1,750,000 [Nil] | 7.15% $1,500,000 [Nil] | 29 Sep 2025 | - | Nil mths | No Clawback | 1, 2 | Nil | 399 | INV | PI | 30 yrs | $100,000 | $2,000,000 | App Fee includes Val to EMV $2m | No ERF | No Offset Account | Serviced Inside the Fund | 😊 | ||
| NDIS | |||||||||||||||||||||
| Navy | Navy Commercial SMSF | 7.29% $2,000,000 [Waived] | 7.39% $2,000,000 [Waived] | 7.39% $2,000,000 [Waived] | 7.89% $2,000,000 [Waived] | 7.89% $2,000,000 [Waived] | 23 Mar 2026 | 31 Mar 2026 | Nil mths | No Clawback | 1, 2 | 0.30% | $550 | OO, INV, NDIS | PI | 30 yrs | $150,000 | $2,000,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | 😊😊😊 | ||
| Navy | Navy NDIS SMSF - Metro | 7.79% $1,500,000 [Waived] | 8.09% $1,500,000 [Waived] | 8.09% $1,250,000 [Waived] | 23 Mar 2026 | - | Nil mths | No Clawback | 1 | 0.30% | $550 | INV, NDIS | PI | 30 yrs | $150,000 | $1,500,000 | Optional Offset account - 0.10% rate loading | No Clawback | Fixed Rates available on request | Corporate Trustees Only | No Risk Fee to 80% - METRO only | Includes NDIS - max 2 apartments 80% |😊😊😊 | ||||
| Purple | SMSF Clear FD Resi A - Variable | 6.59% $3,000,000 [Nil] | 6.69% $3,000,000 [Nil] | 6.79% $3,000,000 [Nil] | 9 Mar 2026 | - | Nil mths | No Clawback | 1, 2, 3, 4 | 0.40% | $1,495 | INV, NDIS | PI | 30 yrs | $150,000 | $3,000,000 | No Liquidity Test or min. SMSF balance requirement | No Offset | Available for NDIS - no loading | | ||||
Near Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | |||||||||||||||||||||
| Navy | Navy Relax SMSF NP | 7.49% $1,500,000 [NIL] | 7.59% $1,500,000 [1.00%] | 7.59% $1,500,000 [1.00%] | 7.79% $1,250,000 [1.00%] | 23 Mar 2026 | - | 12 mths | No Clawback | 1, 2, 3 | 0.30% | $550 | INV | PI | 30 yrs | $150,000 | $1,500,000 | Optional Offset account - 0.10% rate loading | Fixed Rates available on request | Add 0.30% for Int Only | Corporate Trustees Only | No Risk Fee to 70% - METRO only | Includes NDIS - max 2 apartments | | |||
| Ocean | Emerald Resi SMSF - B | 7.74% $1,750,000 [Nil] | 7.94% $1,750,000 [Nil] | 7.94% $1,750,000 [Nil] | 15 Aug 2025 | - | Nil mths | No Clawback | 1, 2 | 0.30% | 1.0% | INV | PI | 30 yrs | $150,000 | $1,750,000 | NAT of $150,000 prior to new loan. LT: (interest /dividend earning assets) Min. 5% of total debts of SMSF (incl the loan amount) when loan settles | REFI: 6mths loan statements + 12 mths CMA statements | Will allow late payments <1 mth | | ||||
Fixed Rate
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | Clawback Type | Cat | IO Load | App Fee | Occupancy | Repays | Max Term | Min Loan | Max Loan | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | |||||||||||||||||||||
| Cabernet | 1. Flex SMSF Resi - 5 Yr Fixed | 7.80% $3,500,000 | 7.90% $3,500,000 | 7.90% $3,500,000 | 19 Mar 2026 | - | 24 mths | Clawback | 1, 2 | 0.40% | $ Nil | INV | PI | 30 yrs | $50,000 | $3,500,000 | No NAT or LT (Net Asset Test or Liquidity Test) | RESIDENTIAL SECURITY | . Specials on Offer to 30 June. Email or Call for special pricing | ||||
| Cabernet | 2. Flex SMSF Resi - 3 Yr Fixed | 7.70% $3,500,000 | 7.80% $3,500,000 | 7.90% $3,500,000 | 19 Mar 2026 | - | 24 mths | Clawback | 1, 2 | 0.40% | $ Nil | INV | PI | 30 yrs | $50,000 | $3,500,000 | No NAT or LT (Net Asset Test or Liquidity Test) | RESIDENTIAL SECURITY | . Specials on Offer to 30 June. Email or Call for special pricing | ||||