Low DOC COMMERCIAL SMSF LOANS

View product matrix below then click on apply if you wish to qualify for this loan and receive a detailed assessment and full cost proposal.

latrobe
Low Doc SMSF Loans for Commercial Zoned Property.
Many people with funds in superannuation have been enjoying the freedom of choosing how those funds are invested through self managed super funds. With the advent of the self managed superfund, managing your retirement funds is now fairly common as people shun large corporate public funds and opt to control their nest egg themselves.

  • 70% LVR on commercial properties on Low Doc
  • Investment purposes only including a commercial property which is used as business premises for a member or their family / lease required
  • Commercial and Industrial real estate within acceptable locations.
  • Acceptable income may include superannuation contributions and any SMSF income [rental income is acceptable at 80%).
  • Some credit impairment accepted (on the guarantor member‚credit report)
Loan purpose Investment purposes only including a commercial property which is used as business premises for a member or their family / lease required.
Loan term 5 > 25 years.
Interest type Variable rate.
Repayment type Principal & interest, or interest-only up to 5 years then principal & interest.
Repayment options Monthly, fortnightly or weekly.
Repayment method Direct debit only.
Maximum Loan to 70% in high population areas (Capital Cities and Major Regional Towns listed below)

Commercial and Industrial real estate within acceptable locations.
* NSW/ACT – Sydney, Wollongong, Newcastle, Gosford, Coffs Harbour, Port Macquarie, Port Stephens, Byron Bay, Nowra, Canberra.
* VIC/TAS – Melbourne, Geetong, Bellarine Peninsula, Mornington Peninsula, Bendigo, Shepparton, Ballarat, Mildura, Hobart, Launceston.
* OLD – Brisbane, Gold Coast, Sunshine Coast, Toowoomba, Ipswich, Cairns, Townsville.
* WA – Perth, Mandurah.
* SA/NT – Adelaide, Adelaide Hills, Victor Harbour, Darwin.

Credit history Past credit impairment can be considered at higher rates and fees
Minimum loan size $150,000
Maximum loan sizes $2,000,000 @ 70%  LVR – Up to $5,000,000 to 65% LVR
Acceptable guarantors All adult members and associated trusts.
Minimum Equity No minimum net asset requirements. We recommend that you seek independent financial advice
Acceptable Income Acceptable income may include superannuation contributions and any SMSF income [rental income is acceptable at 80%).
Acceptable Securities
  • Retail Shops
  • Commercial Offices
  • Industrial Units
  • Factories
  • Shopping Centres
  • Office Buildings up to 5 Floors
  • Warehouses and Workshops
  • Mixed Residential & Commercial Use
  • Medical / Professional Suites
  • Residential Unit Blocks (4 or more)
Existing SMSF Where an SMSF already exists, constituent documents will also be required.
APPLY FOR THIS LOAN

*Interest Rates: All rates are subject to change without notice. Please check all rates and terms before applying.
Low Doc loans are designed for the self-employed or small company borrower/s whose financial statements may not be available. Reasons for this may encompass: Their accountant hasn’t completed and lodged their financials.