Benefits and features

Tax effective

  • Self-managed super funds (SMSFs) may borrow money to invest in property in a tax effective way.

Buy a commercial or rural property

  • We may be able to help structure these loans through your SMSF.

Expert advice

  • Talk to our business bankers. They can explain the process, set up your SMSF loan and, if you have not yet entered into a contract of sale, help set up your security trust.
  • Or have a look at our range of SMSF product solutions.

What you need to know

Loan term

Maximum up to 15 years for commercial and rural property.

Loan amount

Minimum $20,000.

Legal fees1

Interest options

Choose the flexibility of a variable rate.

The certainty of a fixed rate for 1-5 or 10 years.

Up to 5 years interest only in arrears.

Maximum loan to property value

Commercial property: Borrow up to 70% of the property value.

Rural property: Borrow up to 35% - 65% of the property value.

Use our SMSF property loans calculator to estimate your loan repayments.

Important information

1 Standard transactions involving single purchase by one SMSF. Additional legal fees may be incurred for complex transactions or negotiation with customer’s representative.

Features not available for SMSF loans: construction or property development, vacant land purchase, redraw, adding loans to packages, limit increases, or split loans. NAB also requires the trustees to be Corporate Trustees when borrowing to invest in property.

Fees and charges are payable. Terms and conditions apply and are available on request.

Business tips

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