Ezy Commercial SMSF

Commercial property finance through your Self-Managed Super Fund.
Variable rates from

7.49% p.a. Variable*

Ezy Commercial SMSF: Specialist Commercial Property Finance

Why Choose Ezy Commercial SMSF?

Whether you’re purchasing eligible business premises or expanding your SMSF investment portfolio, the Ezy Commercial SMSF loan is designed to provide flexible finance solutions for eligible commercial property purchases and refinances.

With competitive variable rates, a 100% offset facility and lending of up to $4 million, our experienced team can help your Self-Managed Super Fund secure the right commercial property finance solution.

✅ Competitive Variable Rates – Rates from 7.49% p.a. for eligible borrowers.

✅ Eligible Purchase & Refinance – Finance available for eligible commercial property purchases and refinances.

✅ Borrow up to $4 Million – Generous lending limits to help support larger commercial investments.

✅ 100% offset facility – Reduce interest with a limited-functionality offset facility designed to assist with SMSF compliance.

✅ Interest Only Available – Interest-only repayments available (maximum 75% LVR, +0.20%).

✅ Commercial Property Specialists – Tailored lending solutions designed specifically for SMSF commercial property investment.

Ezy Commercial SMSF Rates

Variable Interest Rate	Loan Amount	LVR
7.49% p.a.	4M	60%
7.59% p.a.	4M	70%
7.89% p.a.	3.5M	80%
INTEREST ONLY	Loan Amount	LVR
Add 0.20%	4M or	75%
CATEGORY 2	Loan Amount	LVR
N/A	N/A	N/A
ACCOUNTANTS DECLARATION SPECIAL	Loan Amount	LVR
Add 0.00%	4M	<70-80%

Commercial Property Finance Through Your SMSF

At Reduce Home Loans, we specialise in commercial SMSF lending, helping Australians purchase eligible commercial property or refinance commercial property through their Self-Managed Super Fund. Whether you’re buying business premises for your own business or investing in commercial property for long-term growth, our experienced team is here to guide you through every step of the process.

The Ezy Commercial SMSF loan is designed to provide flexible lending solutions with features that support your investment strategy, including finance for both eligible purchases and refinances, a 100% offset facility, interest-only options and lending of up to $4 million (subject to eligibility). With specialist SMSF knowledge and a streamlined application process, we make commercial property finance as straightforward as possible.

Ready to explore commercial property through your SMSF? Contact Reduce Home Loans on 1300 733 823 to speak with one of our SMSF lending specialists and discover how the Ezy Commercial SMSF loan can help you achieve your investment goals.

General specifications

THE BASICS
Purpose	Eligible Purchase & Refinance
Eligibility	Corporate Trustee
Minimum Amount	$50,000
Loan Term	Up to 30 years
Rate Options	Variable
FEATURES
Multiple Accounts	Free 100% offset facility*- (Variable Only with limited transactional ability)
Account Access	Internet Phone
Statements	Half yearly
REPAYMENTS
Type	Principal & Interest
Frequency	Weekly, Fortnightly & Monthly (Weekly & Fortnightly not available for Interest Only repayments)
Repayment Method	Direct Debit
Additional Repayments	Unlimited
FEES
Application Fee	$1,210
Establishment Fee	$0
Valuation Fee	At Cost.
Legal Fees	Application Fee includes Legal professional fee. The Legal fee does not cover Disbursements, Government, Solicitor Review of Trust & PEXA fee which are estimated between $500-$700
Settlement Fee	$250
Other Fees	N/A
Monthly Fee	N/A
Annual Fee	$395

*The 100% Offset facility is a feature provided by the lender for the primary benefit of reducing interest charges. The offset facility (which is a sub-account) is limited to one per linked loan. The offset facility can be used as the debit account for the linked loan and to allow payments to be made from the offset facility to your nominated SMSF cash management account only. The offset cannot be used as a full transactional account (it is not a bank account) and features such as third party payments and BPAY are not available. The offset feature has purposefully limited functionality to assist with SMSF compliance. We always recommend that you obtain appropriate advice before using the mortgage loan offset facility so as to ensure you are compliant with the laws that regulate the SMSF loan.