SME High LVR Fixed Rate Loan


Invest in the long term future of your business with our affordable and flexible SME High LVR Fixed Rate Loan, specifically designed to allow you to maximise your borrowing capacity against commercial property assets, without putting strain on your working capital or monthly cash flows. 

  • Purchase established commercial property, or leverage against existing commercial property, in Toowoomba, Brisbane, Gold Coast, Sunshine Coast, Sydney and Melbourne
  • Borrow up to 80% of the commercial property value for business purposes
  • Loans from $20,000 - $1,000,000
  • Loan terms of 3 to 5 years
  • Fixed principal and interest repayments over the term of the loan
  • Flexible repayment arrangements, to suit your cash flows. Reduce your monthly repayments with an optional notional repayment term of up to 15 years, through the use of flexible residual balloon payments

What is a notional repayment term?

A notional repayment term is a flexible loan option that allows you to set your loan repayments at a lower amount than what would usually be expected.

For example, let's say you take out an SME High LVR Fixed Rate Loan over 5 years but request a notional repayment term of 15 years.

Your repayments would then be reduced to match the repayments for if the loan was taken out over 15 years. You'll have to pay the loan back after 5 years, but during this time your monthly cash flow is freed up for other business expenses.

At the end of the 5 years, the leftover residual balance on your loan (including interest and fees) must then be paid with a lump sum payment or renegotiated into a new loan, subject to approval. 

Interest Rate
3 Year Fixed
4 Year Fixed
5 Year Fixed
Interest Rate
Interest Rate
Interest Rate
Rates Effective From 09/04/2021
Loan Approval Fee 0.25% of the guarantee amount or $600, whichever is greater. 
Monthly Administration Fee $20


To be eligible for any SME Support Loan under the SME Guarantee Scheme you must:

  • Have an Australian Business Number (ABN);
  • Have an annual business turnover of up to $50 million;
  • Be making a new loan application (not an extension of an existing loan); and
  • Be applying for the loan for business purposes. SME Support Loans cannot be used to purchase residential property or a financial product; or for the provision of loans to an 'associated entity'.
SME Support Loans for Small and Medium Business
See the loans we're offering under Phase 2 of the SME Loan Guarantee Scheme to help businesses adapt and invest for the future.
How do I apply?
How do I apply?

To apply for or enquire about our SME Support Loans: 

  • Call us on 1300 301 809;
  • Enquire online; or
  • Contact your existing Business Banking Manager directly.

For more details on the Scheme visit the Department of Treasury website.  

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