SMSF Rate Watch
All SMSF products require a Corporate Trustee. 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 | IO Load | App Fee | Occupancy | Repays | Max Term | Max Loan | Notes | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||
| Ocean (ORDE) | Diamond SMSF Comm - A | 8.09% $2,000,000 | 8.24% $2,000,000 | 8.44% $2,000,000 | 12 Nov 2024 | 31 Dec 2024 | - | 0.30% | Waived | OO, INV | PI | 30 yrs | $2,000,000 | App Fee - WAIVED to 31.12.24 | 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. | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | 😊 | ||||||
| Purple (La Trobe) | Clear SMSF Comm A - Variable | 8.24% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 8.74% $3,000,000 | 4 Jun 2024 | - | - | 0.40% | 1.5% | OO, INV | PI | 30 yrs | $3,000,000 | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee | | |||||
| Purple (La Trobe) | Clear SMSF Comm Altdoc A - Variable | 8.24% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 8.74% $3,000,000 | 4 Jun 2024 | - | - | 0.40% | 1.5% | OO, INV | PI | 30 yrs | $3,000,000 | ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee| | |||||
| Red (RedZed) | Super Comm SMSF Altdoc | 8.40% $3,000,000 [Nil] | 8.55% $3,000,000 [Nil] | 8.75% $3,000,000 [Nil] | 8.95% $2,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | - | 0.30% | 0.50% | OO, INV | PI | 30 yrs | $3,000,000 | Add 0.30% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | | |||||
| Investor | ||||||||||||||||||||
| Ocean (ORDE) | D1 Diamond Resi SMSF - A | 7.49% $750,000 | 7.69% $750,000 | 7.69% $750,000 [Nil] | 12 Nov 2024 | 31 Dec 2024 | - | 0.30% | Waived | INV | PI | 30 yrs | $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. | App Fee Waived for loans to $750k : 0.50% > $750k | Sames Rates Altdoc or FD | 😊😊😊 | ||||||
| Ocean (ORDE) | Diamond Max Resi SMSF - A | 7.49% $1,250,000 | 7.69% $1,250,000 | 7.69% $1,250,000 [Nil] | 12 Nov 2024 | 31 Dec 2024 | - | 0.30% | Waived | INV | PI | 30 yrs | $1,250,000 | 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. | 0.50% App Fee | Same Rate Altdoc or Full Doc | 😊😊😊 | ||||||
| Ocean (ORDE) | Diamond SMSF Comm - A | 8.09% $2,000,000 | 8.24% $2,000,000 | 8.44% $2,000,000 | 12 Nov 2024 | 31 Dec 2024 | - | 0.30% | Waived | OO, INV | PI | 30 yrs | $2,000,000 | App Fee - WAIVED to 31.12.24 | 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. | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | 😊 | ||||||
| Purple (La Trobe) | Clear SMSF Comm A - Variable | 8.24% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 8.74% $3,000,000 | 4 Jun 2024 | - | - | 0.40% | 1.5% | OO, INV | PI | 30 yrs | $3,000,000 | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee | | |||||
| Purple (La Trobe) | Clear SMSF Comm Altdoc A - Variable | 8.24% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 8.74% $3,000,000 | 4 Jun 2024 | - | - | 0.40% | 1.5% | OO, INV | PI | 30 yrs | $3,000,000 | ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee| | |||||
| Purple (La Trobe) | SMSF Altdoc Resi A - Variable | 7.59% $2,500,000 | 7.89% $2,500,000 | 7.99% $2,000,000 [Nil] | 4 Jun 2024 | - | - | 0.40% | 0.85% | INV | PI | 30 yrs | $2,500,000 | ALTDOC | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee | | ||||||
| Red (RedZed) | Super Comm SMSF Altdoc | 8.40% $3,000,000 [Nil] | 8.55% $3,000,000 [Nil] | 8.75% $3,000,000 [Nil] | 8.95% $2,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | - | 0.30% | 0.50% | OO, INV | PI | 30 yrs | $3,000,000 | Add 0.30% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | | |||||
| Red (RedZed) | Super Resi SMSF Altdoc | 7.59% $2,000,000 [Nil] | 7.64% $2,000,000 [Nil] | 7.64% $2,000,000 [Nil] | 7.99% $1,750,000 [Nil] | 7.99% $1,500,000 [Nil] | 26 Aug 2024 | - | - | 0.30% | 250 | INV | PI | 30 yrs | $2,000,000 | Add 0.30% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | | ||||
Near Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | Max Term | Max Loan | Notes | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | ||||||||||||||||||||
| Ocean (ORDE) | Emerald Resi SMSF Altdoc - B | 7.99% $750,000 | 8.19% $750,000 | 8.19% $750,000 [Nil] | 12 Nov 2024 | - | - | 0.30% | 1.0% | INV | PI | 30 yrs | $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 | 1.0% App Fee - Resi -| App Fee - 1.25% Commercial. | ||||||
Full Doc
Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | Max Term | Max Loan | Notes | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||
| Cabernet (ORIGIN) | C5 Easy FlexCom SMSF Refi - Comm | 7.79% $2,000,000 | 7.79% $2,000,000 | 8.09% $2,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV | PI | 29.92 yrs | $2,000,000 | 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 | Commercial Security - OO or Inv | 😊😊😊 | ||||||
| Cabernet (ORIGIN) | C6 Easy FlexCom Max SMSF Refi - Comm | 8.29% $3,500,000 | 8.29% $3,500,000 | 8.59% $3,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV | PI | 29.92 yrs | $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 | Commercial Security - OO or Inv | 😊😊😊 | ||||||
| Cabernet (ORIGIN) | FlexCom SMSF Comm - Variable | 7.85% $2,000,000 [0%] | 7.85% $2,000,000 [0%] | 8.15% $2,000,000 [0.5%] | 8.15% $2,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV, NDIS | PI | 29.92 yrs | $2,000,000 | 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 | COMMERCIAL SECURITY | Incl. NDIS 7-12 apartments - Max 25 yrs | | |||||
| Cabernet (ORIGIN) | FlexCom SMSF Comm Max - Variable | 8.35% $3,500,000 [0%] | 8.65% $3,000,000 [0%] | 8.65% $3,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV | PI | 29.92 yrs | $3,500,000 | 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 | COMMERCIAL SECURITY | ||||||
| Navy (BC Invest) | Navy Commercial SMSF | 7.69% $2,000,000 [Nil] | 7.69% $2,000,000 [Nil] | 7.69% $2,000,000 [1.0%] | 8.09% $1,500,000 [1.0%] | 14 Oct 2024 | 31 Dec 2024 | Nil mths | 0.30% | 550 | OO, INV, NDIS | PI | 30 yrs | $2,000,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | No Clawback | App Fee $550 | NDIS - 3+ apartments | EXPRESS REFI APPLIES - INV Only |😊😊😊 | |||||
| Ocean (ORDE) | Diamond SMSF Comm - A | 8.09% $2,000,000 | 8.24% $2,000,000 | 8.44% $2,000,000 | 12 Nov 2024 | 31 Dec 2024 | - | 0.30% | Waived | OO, INV | PI | 30 yrs | $2,000,000 | App Fee - WAIVED to 31.12.24 | 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. | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | 😊 | ||||||
| Purple (La Trobe) | Clear SMSF Comm A - Variable | 8.24% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 8.74% $3,000,000 | 4 Jun 2024 | - | - | 0.40% | 1.5% | OO, INV | PI | 30 yrs | $3,000,000 | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee | | |||||
| Red (RedZed) | Super Comm SMSF FD | 8.05% $3,000,000 [Nil] | 8.20% $3,000,000 [Nil] | 8.40% $3,000,000 [Nil] | 8.60% $2,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | - | 0.30% | 0.50% | OO, INV | PI | 30 yrs | $3,000,000 | Add 0.30% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | | |||||
| Investor | ||||||||||||||||||||
| Cabernet (ORIGIN) | C1 Easy SMSF Refi | 7.29% $2,000,000 | 7.29% $2,000,000 | 7.59% $2,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | INV | PI | 29.92 yrs | $2,000,000 | 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 (ORIGIN) | C2 Easy SMSF Maxima Refi | 7.79% $3,500,000 | 7.79% $3,500,000 | 8.09% $3,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | INV | PI | 29.92 yrs | $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 (ORIGIN) | C3 Flex SMSF Resi - Variable | 7.29% $2,000,000 [0%] | 7.29% $2,000,000 [0%] | 7.59% $2,000,000 [Nil] | 7.99% $2,000,000 [2.5%] | 8.29% $1,500,000 [3.50] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | INV | PI | 29.92 yrs | $2,000,000 | 100% Offset is fee free | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | LPF applies >80% LVR | RESIDENTIAL SECURITY | ||||
| Cabernet (ORIGIN) | C4 Flex SMSF Resi Maxima - Variable | 7.79% $3,500,000 [0%] | 7.79% $3,500,000 [0%] | 8.09% $3,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | INV | PI | 29.92 yrs | $3,500,000 | 100% Offset is fee free | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | LPF applies >80% LVR | RESIDENTIAL SECURITY | ||||||
| Cabernet (ORIGIN) | C5 Easy FlexCom SMSF Refi - Comm | 7.79% $2,000,000 | 7.79% $2,000,000 | 8.09% $2,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV | PI | 29.92 yrs | $2,000,000 | 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 | Commercial Security - OO or Inv | 😊😊😊 | ||||||
| Cabernet (ORIGIN) | C6 Easy FlexCom Max SMSF Refi - Comm | 8.29% $3,500,000 | 8.29% $3,500,000 | 8.59% $3,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV | PI | 29.92 yrs | $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 | Commercial Security - OO or Inv | 😊😊😊 | ||||||
| Cabernet (ORIGIN) | FlexCom SMSF Comm - Variable | 7.85% $2,000,000 [0%] | 7.85% $2,000,000 [0%] | 8.15% $2,000,000 [0.5%] | 8.15% $2,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV, NDIS | PI | 29.92 yrs | $2,000,000 | 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 | COMMERCIAL SECURITY | Incl. NDIS 7-12 apartments - Max 25 yrs | | |||||
| Cabernet (ORIGIN) | FlexCom SMSF Comm Max - Variable | 8.35% $3,500,000 [0%] | 8.65% $3,000,000 [0%] | 8.65% $3,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV | PI | 29.92 yrs | $3,500,000 | 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 | COMMERCIAL SECURITY | ||||||
| Navy (BC Invest) | N1 Navy Express Refi SMSF | 7.15% $1,500,000 [Nil] | 7.15% $1,500,000 [Nil] | 14 Oct 2024 | - | - | 0.30% | 550 | INV | PI | 30 yrs | $1,500,000 | 2 Yrs Repayment History; Rates Notice & 1 Yr Rental Statements | Optional Offset account - 0.10% rate loading | No Clawback | Add 0.30% for Int Only | Corporate Trustees Only | No Risk Fee to 80% | Legal advice WAIVED (excl Private loans) | 😊😊😊 | |||||||
| Navy (BC Invest) | N2 Navy Retire SMSF | 7.15% $1,500,000 [Nil] | 7.45% $1,500,000 [Nil] | 7.45% $1,250,000 [Nil] | 7.85% $1,000,000 [1.50%] | 8.15% $1,000,000 [1.50%] | 14 Oct 2024 | - | - | 0.30% | 550 | INV | PI | 30 yrs | $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 (BC Invest) | Navy Commercial SMSF | 7.69% $2,000,000 [Nil] | 7.69% $2,000,000 [Nil] | 7.69% $2,000,000 [1.0%] | 8.09% $1,500,000 [1.0%] | 14 Oct 2024 | 31 Dec 2024 | Nil mths | 0.30% | 550 | OO, INV, NDIS | PI | 30 yrs | $2,000,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | No Clawback | App Fee $550 | NDIS - 3+ apartments | EXPRESS REFI APPLIES - INV Only |😊😊😊 | |||||
| Navy (BC Invest) | Navy Commercial SMSF Xpress Refi - INV | 7.69% $2,000,000 [Nil] | 12 Nov 2024 | 31 Dec 2024 | Nil mths | 0.30% | 550 | INV, NDIS | PI | 30 yrs | $2,000,000 | Optional Offset account - add 0.10% | Metro securities only | No Clawback | App Fee $550 | NDIS - 3+ apartments | EXPRESS REFI APPLIES - INV Only |😊😊😊 | ||||||||
| Ocean (ORDE) | D1 Diamond Resi SMSF - A | 7.49% $750,000 | 7.69% $750,000 | 7.69% $750,000 [Nil] | 12 Nov 2024 | 31 Dec 2024 | - | 0.30% | Waived | INV | PI | 30 yrs | $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. | App Fee Waived for loans to $750k : 0.50% > $750k | Sames Rates Altdoc or FD | 😊😊😊 | ||||||
| Ocean (ORDE) | Diamond Max Resi SMSF - A | 7.49% $1,250,000 | 7.69% $1,250,000 | 7.69% $1,250,000 [Nil] | 12 Nov 2024 | 31 Dec 2024 | - | 0.30% | Waived | INV | PI | 30 yrs | $1,250,000 | 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. | 0.50% App Fee | Same Rate Altdoc or Full Doc | 😊😊😊 | ||||||
| Ocean (ORDE) | Diamond SMSF Comm - A | 8.09% $2,000,000 | 8.24% $2,000,000 | 8.44% $2,000,000 | 12 Nov 2024 | 31 Dec 2024 | - | 0.30% | Waived | OO, INV | PI | 30 yrs | $2,000,000 | App Fee - WAIVED to 31.12.24 | 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. | COMMERCIAL SECURITY | Same Rate Altdoc or Full Doc | 😊 | ||||||
| Purple (La Trobe) | Clear SMSF Comm A - Variable | 8.24% $3,000,000 | 8.34% $3,000,000 | 8.54% $3,000,000 | 8.74% $3,000,000 | 4 Jun 2024 | - | - | 0.40% | 1.5% | OO, INV | PI | 30 yrs | $3,000,000 | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only | 1.50% App Fee | | |||||
| Purple (La Trobe) | SMSF Clear FD Resi A - Variable | 7.54% $2,500,000 | 7.84% $2,500,000 | 7.94% $2,000,000 [Nil] | 4 Jun 2024 | - | - | 0.40% | 0.85% | INV | PI | 30 yrs | $2,500,000 | No LT or min. SMSF balance requirement | Add 0.40% for Interest Only. | ||||||
| Red (RedZed) | Super Comm SMSF FD | 8.05% $3,000,000 [Nil] | 8.20% $3,000,000 [Nil] | 8.40% $3,000,000 [Nil] | 8.60% $2,500,000 [Nil] | 22 Oct 2024 | 29 Nov 2024 | - | 0.30% | 0.50% | OO, INV | PI | 30 yrs | $3,000,000 | Add 0.30% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | | |||||
| Red (RedZed) | Super Resi SMSF FD | 7.24% $2,000,000 [Nil] | 7.29% $2,000,000 [Nil] | 7.29% $2,000,000 [Nil] | 7.64% $1,750,000 [Nil] | 7.64% $1,500,000 [Nil] | 26 Aug 2024 | - | - | 0.30% | 250 | INV | PI | 30 yrs | $2,000,000 | Add 0.30% for Int Only | No ERF | No Clawback | App Fee 1.0% | Sett Fee $975; Legal Fee $1500; Gtor Fee $250 | No Offset Account | | ||||
| NDIS | ||||||||||||||||||||
| Cabernet (ORIGIN) | 1. ResiFlex SMSF NDIS - Variable | 7.29% $2,000,000 [0%] | 7.29% $2,000,000 [0%] | 7.59% $2,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | NDIS | PI | 25 yrs | $2,000,000 | Free 100% Offset - limited to transfers between nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | No Interest Only | | RESIDENTIAL SECURITY | NDIS only | 0.50% rate loading for commercial security. | ||||||
| Cabernet (ORIGIN) | FlexCom SMSF Comm - Variable | 7.85% $2,000,000 [0%] | 7.85% $2,000,000 [0%] | 8.15% $2,000,000 [0.5%] | 8.15% $2,000,000 [Nil] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | OO, INV, NDIS | PI | 29.92 yrs | $2,000,000 | 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 | COMMERCIAL SECURITY | Incl. NDIS 7-12 apartments - Max 25 yrs | | |||||
| Navy (BC Invest) | Navy Commercial SMSF | 7.69% $2,000,000 [Nil] | 7.69% $2,000,000 [Nil] | 7.69% $2,000,000 [1.0%] | 8.09% $1,500,000 [1.0%] | 14 Oct 2024 | 31 Dec 2024 | Nil mths | 0.30% | 550 | OO, INV, NDIS | PI | 30 yrs | $2,000,000 | Optional Offset account - add 0.10% | Add 0.30% for Int Only | Metro securities only | No Clawback | App Fee $550 | NDIS - 3+ apartments | EXPRESS REFI APPLIES - INV Only |😊😊😊 | |||||
| Navy (BC Invest) | Navy Commercial SMSF Xpress Refi - INV | 7.69% $2,000,000 [Nil] | 12 Nov 2024 | 31 Dec 2024 | Nil mths | 0.30% | 550 | INV, NDIS | PI | 30 yrs | $2,000,000 | Optional Offset account - add 0.10% | Metro securities only | No Clawback | App Fee $550 | NDIS - 3+ apartments | EXPRESS REFI APPLIES - INV Only |😊😊😊 | ||||||||
Near Prime
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | Max Term | Max Loan | Notes | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Owner Occupier | ||||||||||||||||||||
| Ocean (ORDE) | Emerald SMSF Comm - B | 8.54% $2,000,000 | 8.74% $2,000,000 | 9.04% $2,000,000 | 12 Nov 2024 | - | - | 0.30% | 1.25% | OO, INV | PI | 30 yrs | $2,000,000 | 1.25% App Fee | 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. | COMMERCIAL SECURITY | ||||||
| Investor | ||||||||||||||||||||
| Navy (BC Invest) | Navy Relax SMSF NP | 7.74% $1,500,000 [NIL] | 7.84% $1,500,000 [Nil] | 7.84% $1,500,000 [1.0] | 8.04% $1,250,000 [1.0] | 19 Aug 2024 | - | 12 mths | 0.30% | 550 | INV, NDIS | PI | 30 yrs | $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 (ORDE) | Emerald Resi SMSF - B | 7.99% $750,000 | 8.19% $750,000 | 8.19% $750,000 [Nil] | 12 Nov 2024 | - | - | 0.30% | 1.0% | INV | PI | 30 yrs | $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. | ||||||
| Ocean (ORDE) | Emerald SMSF Comm - B | 8.54% $2,000,000 | 8.74% $2,000,000 | 9.04% $2,000,000 | 12 Nov 2024 | - | - | 0.30% | 1.25% | OO, INV | PI | 30 yrs | $2,000,000 | 1.25% App Fee | 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. | COMMERCIAL SECURITY | ||||||
| NDIS | ||||||||||||||||||||
| Navy (BC Invest) | Navy Relax SMSF NP | 7.74% $1,500,000 [NIL] | 7.84% $1,500,000 [Nil] | 7.84% $1,500,000 [1.0] | 8.04% $1,250,000 [1.0] | 19 Aug 2024 | - | 12 mths | 0.30% | 550 | INV, NDIS | PI | 30 yrs | $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 | | |||||
Fixed Rate
| Loan Type | Loan Name | 60% | 65% | 70% | 75% | 80% | 85% | 90% | Eff Date | Promo Exp | Clawback | IO Load | App Fee | Occupancy | Repays | Max Term | Max Loan | Notes | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Investor | ||||||||||||||||||||
| Cabernet (ORIGIN) | 1. Flex SMSF Resi - 1 Yr Fixed | 7.89% $2,000,000 [0%] | 7.89% $2,000,000 [0%] | 8.19% $2,000,000 [Nil] | 8.59% $2,000,000 [2.50%] | 8.89% $1,500,000 [3.50] | 17 Jul 2024 | - | 24 mths | 0.40% | 550 | INV | PI | 29.92 yrs | $2,000,000 | FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | RESIDENTIAL SECURITY | 80% LVR = 0% LPF (85% LVR = 2.50% LPF; 90% LVR = 3.5% LPF). | ||||
| Cabernet (ORIGIN) | 3 Yr Fixed SMSF Special | 7.69% $2,000,000 [Nil] | 20 Nov 2023 | - | 24 mths | 0.40% | - | INV | PI | 29.92 yrs | $2,000,000 | FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | RESIDENTIAL SECURITY. | ||||||||
| Cabernet (ORIGIN) | 3 Yr Fixed SMSF Special - Commercial | 7.99% $2,000,000 [Nil] | 20 Nov 2023 | - | 24 mths | 0.40% | - | INV | PI | 29.92 yrs | $2,000,000 | FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | COMMERCIAL SECURITY. | ||||||||
| Cabernet (ORIGIN) | 5 Yr Fixed SMSF Special | 7.69% $2,000,000 [Nil] | 20 Nov 2023 | - | 24 mths | 0.40% | - | INV | PI | 29.92 yrs | $2,000,000 | FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | RESIDENTIAL SECURITY. 😊 | ||||||||
| Cabernet (ORIGIN) | 5 Yr Fixed SMSF Special - Commercial | 7.99% $2,000,000 [Nil] | 20 Nov 2023 | - | 24 mths | 0.40% | - | INV | PI | 29.92 yrs | $2,000,000 | FREE 100% Offset - limited to transfer to nominated CMA | No NAT or LT (Net Asset Test or Liquidity Test) | Add 0.40% for Int Only | COMMERCIAL SECURITY. | ||||||||