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Choice SMSF
From 6.94%
*Easy Refinance Promotion Rate
Choice SMSF
- Max LVR: 90%
- Max Loan Amount: $3,500,000
- 100% Offset Sub-Account Facility Available
- Available for Residential and Commercial Securities
- Loan Term up to 30 Years
- Easy Refinance - 4 business days to Formal Approval
Loan Purpose and Rate - Standard SMSF
Residential - Loan Size <= $3.5m
7.09% PI (LVR ≤ 60%)
- Interest rate from 7.09% P.A.
- Comparison rate from 7.63% P.A.
Commercial - Loan Size <= $3.5m
7.69% PI (LVR ≤ 60%)
- Interest rate from 7.69% P.A.
- Comparison rate from 8.22% P.A.
Loan Purpose and Rate - Easy Refinance Special*
Residential - Loan Size <= $3.5m
6.94% PI (LVR ≤ 70%)
- Interest rate from 6.94% P.A.
- Comparison rate from 7.48% P.A.
Commercial - Loan Size <= $3.5m
7.54% PI (LVR ≤ 70%)
- Interest rate from 7.54% P.A.
- Comparison rate from 8.07% P.A.
Product Summary
| Security type | Residential & Commercial |
| Loan Amount | $50,000 to $3,500,000 |
| Maximum LVR | 90% Residential (inclusive of fees); 80% Commercial |
| Loan Term | Up to 360 months |
| Borrower Type | Trustee of a Self-Managed Super Fund |
| Loan Purpose | New Purchase, Refinance – investment |
| Repayment Method | Direct debit from nominated bank account |
| Interest structure | Principal and Interest & Interest Only (Up to 5 years) |
| Application Fee | $0 |
| Lenders Protection Fee | 0 – 3.50% |
| Settlement Fee | $0 |
Document Checklist
SMSF Documentation
- Certified Copy of SMSF Trust Deed and SMSF Bare / Custodian Trust Deed
- Certificate of registration for the SMSF Trustee company / SMSF Bare Trustee
- Most recent 2 years' Audited SMSF Tax Returns and Financial Statements
- Last 6 months SMSF Cash Management Account Statements or 2 years Industry Fund Statements
- Independent Legal Advice Guarantor Certificate
- Accountant letter to confirm annual ongoing cost for SMSF, if the costs noted on the SMSF latest tax return is not reflective of the ongoing future annual cost OR no tax returns available
Income Documents (PAYG)
- Latest 2 Payslips
- Latest 3 Months' Salary Credit
Income Documents (Self-Employed)
- Most recent 2 years Company Tax Returns & Financial Statements
- Most recent 2 years Personal Tax Returns & Notice of Assessment
- Most Recent BAS
- 6 Months Business Bank Statements