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Our SMSF Loans

SMSF Loan Interest Rate Monthly Repayment Product Features Details

SMSF Commercial 70

7.69 %   p.a. $3,561
  • Purchase or refinance commercial property
  • 30% deposit minimum
  • No monthly, ongoing, or settlement fees
Enquire now

SMSF Commercial 80

7.99 %   p.a. $3,665
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • No monthly, ongoing, or settlement fees
Enquire now

SMSF Commercial 80 (Fixed 2 Years)

8.49 %   p.a. $3,841
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock option available*^
Enquire now

SMSF Commercial 80 (Fixed 3 Years)

8.39 %   p.a. $3,806
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock option available*^
Enquire now

SMSF Commercial 80 (Fixed 5 Years)

8.54 %   p.a. $3,859
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock required*^
Enquire now
#Based on the dollar value represented in the search fields with P&I repayments and a 30 year loan term.
2024 WeMoney - Best Value for Refinance 2023 WeMoney - Best for Value (Variable) 2024 Mozo - Expert's Choice for Best Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

Why choose a self managed super fund loan?

Zero monthly fees

Saving on fees also means more money towards your SMSF goals.

One central hub

Access your SMSF loan via our easy-to-use online app Smart Money.

Unlimited repayments**

Pay off your SMSF loan sooners with unlimited extra repayments.

A win for you.

No application and settlement fee. No monthly or ongoing fees.

Calculate your SMSF borrowing capacity

Fill out your information, and we can estimate your maximum SMSF borrowing capacity on an investment property.

%
 
 
Your estimated results

Based on the data you have supplied, we estimate you can borrow:

$311,847

Looking for a low rate SMSF commercial loan? loans.com.au SMSF commercial loans has a competitive rate loan in the market.

7.69%
variable rate p.a.^
Purchase and refinance commercial property
No settlement fee
No monthly or ongoing fees
Find Out More

A self managed super fund loan that looks just like this

Here’s your new offer with a real low rate

Rates

Principal & interest

Fixed Term:

Interest Rate:

7.69% p.a.^

7.99% p.a.^

Max LVR:

70%

80%

 

 

 

2 Year

3 Year

5 Year

Interest Rate:

8.49% p.a.^

8.39% p.a.^

8.54% p.a.^

Max LVR:

80%

80%

80%

Key Features

Up to 30 years loan term

Available for refinance or purchase

Unlimited additional repayments

No monthly or ongoing fees

No settlement fee

Repayments

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$3,561 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 7.69% p.a. paying principal and interest.

Fees

Application fee

$0

Ongoing fees

$0

Security assessment fee

At cost

Government fees

At cost

Settlement fee

$0

P&I

Interest Rate:

Max LVR:

7.69% p.a.^

70%

 

Interest Rate:

Max LVR:

7.99% p.a.^

80%

 

Fixed Term:

Interest Rate:

Max LVR:

2 Year

8.49% p.a.^

80%

 

Fixed Term:

Interest Rate:

Max LVR:

3 Year

8.39% p.a.^

80%

 

Fixed Term:

Interest Rate:

Max LVR:

5 Year

8.54% p.a.^

80%

Up to 30 years loan term

Available for refinance or purchase

Unlimited additional repayments

No monthly or ongoing fees

No settlement fee

Frequency

Weekly, monthly or fortnightly

Estimated repayments

$3,561 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 7.69% p.a. paying principal and interest.

Application fee

$0

Ongoing fees

$0

Security assessment fee

At cost

Government fees

At cost

Settlement fee

$0

2024 WeMoney - Best for Value (Refinance) 2023 WeMoney - Best Value for Variable 2024 Mozo - Expert's Choice for Green Home Loan Gold Award - Best Green Home Loan 2022 WeMoney - Outstanding Customer Service
Our home loan products are recognised & awarded by the Australian financial industry

SMSF loan eligibility

Join our other customers

Super grateful to the team

Super grateful to Emira and the team. Great, timely feedback mechanisms with clear guidance on processes. They went all out to support us throughout the application - much appreciated!

Shane M.
11 Nov 2024

5 Star rating!

Highly recommended using them to my friends and family and to all reading the reviews. To all the team outstanding and thankyou for your help.

Lee P.
28 Oct 2024

Very helpful to solve my problems

I am very happy with the simple products that loans.com.au. Sharon was the lending manager who assisted me through the application. Sharon was very helpful to solve my problems and get the loan approved.

Alan X.
15 Oct 2024

Quick and painless experience

Really quick and painless experience getting a loan approved for my new car. Matt was great, professional demeanor, friendly and eager to help.

Commander C.
15 Oct 2024

I felt understood and valued

Ai Chi Hinh is an outstanding professional who genuinely cares for her clients. Her ability to listen and her problem-solving skills are truly commendable. I am grateful for her support and expertise during a challenging time.

Heather E.
10 Oct 2024

Could not recommend them enough

Kimberley was wonderful, very informative, and patient. Communication was on point and all-around professional and friendly throughout the process.

Jillian G.
14 Sep 2024

Got what I needed very quickly

Great rates, easy to use, simple process. Got what I needed very quickly

Lachlan J.
12 Sep 2024

I highly recommend this lender

I switched my home loan from a big bank to Loans.com.au and was pleasantly surprised by their competitive rates and sleek web banking platform.

Alex A.
02 Sep 2024

More than exceptional

My experience with loans.com.au was more than exceptional. Ray was nothing short of amazing throughout this process. I highly recommend loans.com.au!

Matthew P.
23 Aug 2024

Very professional and polite

This is a very good organization. Less than a week turnaround, and they were very professional and polite. I recommend this business.

Drew D.
19 Aug 2024

Easy application process

By far the best lender I've ever dealt with. Sooooo much better than any of the big 4. Easy application process and great customer service.

Lisa S.
16 Aug 2024

Highly recommended

It is great experience working with Sonia from Loans.com.au. She is very knowledge, good communicator, follow up and responds quickly which helped to get the approval in few days exceeding my expectation.

Rajesh M.
29 Jul 2024

It's fast & easy to get a loan with loans.com.au

1

Apply online

Simply fill out your loan application online by entering some of your details, or chat to one of our friendly lending specialists over the phone and they can complete your application for you.

2

Speak to a specialist

You will then have a phone appointment with one of our lending specialists to finalise your application, and help you progress through the loan approval process through to settlement as quickly as possible.

3

Upload documents (OnTrack)

After your application is complete, use our system we call onTrack on your desktop or device to add your documentation such as payslips and bank statements, and track the progress of your application.

4

Settle & save

Your loan will settle and you'll start saving with your new loan rate!

Frequently asked questions

Yes. Your SMSF can buy any eligible commercial property that satisfies the sole purpose test, meets the definition of a business real property and satisfies the business use test.

Yes. You can lease the property to anyone, including your business, as long as the lease is done at market rates and the premise is used wholly and exclusively for business activities. 

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

Yes. When your super benefits are inadequate to buy a commercial property, your SMSF can borrow money to buy property via a bare trust and a Limited Recourse Borrowing Arrangement (LBRA).

Yes. Any property used wholly and solely for business can be transferred to your SMSF. Doing so must satisfy the sole purpose test of contributing to the retirement savings of SMSF members.

An LRBA lets an SMSF trustee borrow from a third-party lender like loans.com.au to buy a property held in a separate bare trust. If the loan defaults, the lender’s rights are limited to the property.

You cannot borrow money to fund major renovations, but they are allowed if funded using cash from your SMSF and the renovations satisfy the sole purpose test.

Yes. It is possible to sublet part of a commercial property owned by an SMSF if doing so satisfies the Sole Purpose Test and the SMSF trust deed allows the sublease under a separate lease agreement.

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

The sole purpose test sets the acceptable reasons for which a SMSF can operate, these being to provide member benefits only after retirement, on reaching retirement age or on their death.

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