Vibe SMSF Rate Reduction – Time to Bust Out!

Big News for SMSF Borrowers in the count down to the 19th of August.

We’ve chopped the rates on our most popular  SMSF Program, Vibe SMSF, for both Residential and Commercial lending.

Effective immediately for new residential purchases of up to 80% LVR, a flat variable rate of just 6.99% for Residential and 7.59% for Commercial SMSF submissions is applicable for new lending until 31st August 2026.

But Wait….There’s More!

The usual Interest Only loading of 0.40% is also waived (if needed) for Residential Purchases AND Full Refinances until the 31st of August 2026.

With the Government inspired deadline approaching, we’re all hands-on deck  to get every application assessed for approval. 

Recap | What happens before 10th August 2026

– Residential LRBA allowed.

– Must exchange contract before 10 August 2026, which is the date the legislation comes into effect. This is 45 days after Royal Assent was granted by the Governor General on 26 June 2026.

Recap | What happens on and after 10 August 2026

– Only “business real property” allowed for funding of property purchasing within SMSF.

– Must be wholly and exclusively used in one or more businesses.

It appears some residential properties may be allowed, but only where it meets the “business real property” rule. That means it must be:

– 100% business use.

– No residential or private use component.

– Some commercial properties may not be allowed, for example mixed use cases.

Ok, that’s enough for now, you guys have work to do, but if you have any questions please contact us via [email protected] or call your BDM for a quicker response.

Cheers

Chris W