Important Vibe SMSF Policy Update
For SMSF Commercial loans used to fund the purchase of a property where binding contracts have been exchanged on or after 10 August 2026, the property must meet the definition of Business Real Property under applicable superannuation legislation.
The property must be wholly and exclusively used in one or more businesses at the time the Limited Recourse Borrowing Arrangement (LRBA) is entered into and must continue to meet this requirement throughout the life of the LRBA.
Accordingly, we will not accept SMSF residential property purchases where binding contracts have been exchanged on or after 10 August 2026, unless the property qualifies as Business Real Property.
Where a residential property is being relied upon as Business Real Property, a commercial valuation must be provided confirming that the property is wholly and exclusively used for business purposes.
These applications will be assessed under our SMSF Commercial product range.
RATE GUIDE | PURCHASE OR STANDARD REFINANCE
| LVR loans up to $3.5M | <60% | <70% | <80% | <85% | <90% |
| Residential (lending restrictions apply on new purchases effective 10th August 2026) | 7.09% | 7.19% | 7.29% | 7.54% | 7.79% |
| Commercial | 7.69% | 7.79% | 7.89% | N/A | N/A |
PROGRAM LOADINGS & RISK FEES
| Proposed Contribution(s) Loading | WAIVED until 30th September 2026 (Normally add 0.25%) |
| Interest Only (max 5 years) | Add 0.40% |
| Lender Protection Fees (LPF) (Fee calculated based upon approved loan limit & not added to the interest rate). | LVR’s >80% an LPF of 2.50% applies LVR’s >85% & <90% an LPF of 3.50% applies |
MAX LOAN SIZE & LVR GUIDE
| LVR | Inner City | Metro | Non-Metro | Regional and/or Unclassified |
| 0 – 70% | $3,500,000 | $3,500,000 | $3,500,000 | $3,000,000 |
| 70.01% – 80.00% | $3,500,000 | $3,500,000 | $3,500,000 | N/A |
| 80.01% – 90.00% | N/A | $3,000,000 | $3,000,000 | N/A |
- Metro Postcodes – Maximum LVR is 90% available for residential securities only, maximum LVR commercial securities is 80%.
- Non-Metro Postcodes – Maximum LVR where the property is in a town with a population > 10,000 or is within 15k radius of the GPO in a town with a population > 50,000 is 80% otherwise 65%.
- Regional and Unclassified Postcodes – Maximum LVR where the property is in a town with a population > 10,000 or is within 15k radius of the GPO in a town with a population > 50,000 is 80% otherwise 65%.
PRODUCT OVERVIEW
- Available for purchase or refinance of acceptable, compliant residential or commercial securities.
- Only Corporate Trustee structures are accepted.
- Legal & Financial advice is required for all applications (some exceptions may apply for existing SMSF’s)
- *Commercial SMSF maximum Interest Only LVR is 75%.
- 100% Offset Account included (please note transfers from the offset account are limited only between the linked CMA).
- Servicing evidenced by member(s) superannuation contributions & rental income.
- Other investment income may be used for servicing | Max deeming rate of 4% p.a. averaged over 2 years.
- Self Employed applicants required to evidence 2 years of historical contributions being made to any Super Fund.
- Non Easy Refi Policy refinances are to complete the full application and provide all standard support documentation for assessment.
- Commercial program includes retail and industrial securities including Childcare, Retirement & Student Accom and must meet definition of Business Real Property.
- No vacant land | Single contract construction considered – refer to your BDM.
- Easy Refinance option for SMSF loans where original settlement occurred 1 year or more from the current date.
APPROX. FEES
GET IN
| Application Fee | Residential $199.00 | Commercial $299.00 |
| Valuation Fee | At cost |
| Lenders Legal Fee from | $595.00 + costs |
| Annual Fee | $395.00 |
| Settlement Fees | $199.00 |
GET OUT
| Discharge Fees approx. | $2,200.00 |
Other terms, fees & charges may apply. Refer to the Postcode Guide for more details on acceptable security locations and LVR limitations. Product availability & conditions are subject to change without notice. Australian Credit Licence 409 649. Rates are effective from 9th September 2026.