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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.

SMSF loan eligibility

Arrange a call

“I’d only heard good things about loans.com.au from my clients, so when I saw that you’d started lending for SMSF I didn’t hesitate.”

Peta

Bought first home

What other customers are saying

Lowest interest rates and easy service

“Returning to loans.com.au for lowest interest rates and easy service.„

Kylie H.
14 Mar 2025

Smooth and fast process

“Friendly customer service. Smooth and fast process without any hassle. Had the loan settled within 2 days of providing necessary documents. A big thank you to Cherie and Rena for their kind and prompt assistance„

Surani F.
14 Mar 2025

Great service

“Great people and great service. Went smoothly and swiftly„

Danny K.
02 Mar 2025

Excellent Service & Fast Process!

“I had a fantastic experience with Loans.com.au. Their advisors were friendly, clear, and ensured my application was in top shape before submission, maximizing the chances of approval. I was thrilled that the entire process was completed in just one day, with settlement happening the very next day! Special thanks to Aichi and Liam for their outstanding support. Highly recommend!„

Sai P.
03 Feb 2025

Excellent communication

“Excellent communication that was timely and thoughtful. Thank you to Sharon for her help through this process.„

Bek D.
27 Jan 2025

Happy with their services and professionalism

“Brent and Tiffany have worked so hard in difficult time pressured circumstances and I am so happy with their services and professionalism. they have been respectful and empathetic with a crazy madwoman going through a settlement process and Tiffany finished the process with flying colors and success all round.„

Big M.
10 Dec 2024

Supportive, explicit and smooth

“Charlie from loans.com.au was incredibly helpful throughout the process of refinancing my home loan. In fact, I cannot fault any of the team members who I engaged with. Every interaction was supportive, explicit and smooth. The process was faster than I expected, and I am really happy with their competitive rates. I will be recommending this company to others!!„

Roxanne P.
09 Dec 2024

Fast and easy

“Jasmin was very professional and easy to deal with. She gave us confidence from day 1 and was very helpful and met everything that we could have hoped for in a broker. I would recommend Loans.com.au to anyone who is wanting finance. Everything was fast and easy. love their work„

Madilaine S.
03 Dec 2024

Professional

“I can highly recommend Sharon from Loans.com.au for her professionalism with our loan. Sharon was a delight to deal with.„

D&M W.
02 Dec 2024

Highly recommend!

“"I had a great experience working with Loans.com.au. Stuart was pleasant, friendly, and easy to deal with from start to finish. His clear communication made everything simple to understand, and he took the time to explain each step and the process involved. At loans.com.au calls were always answered quickly and they have an excellent call back service. Stuart, Phil, and the Support Team were all highly knowledgeable, and I felt confident throughout the whole process. Highly recommend!"„

Daniel O.
26 Nov 2024

Simple, straightforward and guided

“Just refinanced our home loan with these guys - simple, straightforward and guided every step of the way. You have a dedicated point of contact throughout, which make things easy. Thanks to Jasime for taking care of us and getting us the best deal!„

A R.
25 Nov 2024

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

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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

Your loan will settle and you'll start enjoying the benefits of your low-rate loan!

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:

6.74% p.a.*

7.24% p.a.*

Comparison Rate:

6.76% p.a.*

7.26% p.a.*

Max LVR:

70%

80%

 

 

 

2 Year

3 Year

5 Year

Interest Rate:

6.99% p.a.*

6.99% p.a.*

7.19% p.a.*

Comparison Rate:

7.21% p.a.*

7.18% p.a.*

7.23% 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

$3,240 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.74% p.a. paying principal and interest.

Fees

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$0

Optional rate lock fee

$350*^

P&I

Interest Rate:

Comp Rate:

Max LVR:

6.74% p.a.*

6.76% p.a.*

70%

 

Interest Rate:

Comp Rate:

Max LVR:

7.24% p.a.*

7.26% p.a.*

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

2 Year

6.99% p.a.*

7.21% p.a.*

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

3 Year

6.99% p.a.*

7.18% p.a.*

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

5 Year

7.19% p.a.*

7.23% 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

$3,240 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.74% p.a. paying principal and interest.

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$0

Optional rate lock fee

$350*^

Product Brochure
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

Calculate your SMSF borrowing capacity

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

Your loan details

%
Based on the data you have supplied, we estimate you can borrow
$274,258
Most Popular

SMSF Residential 70
Investor • Principal & Interest • Up to 70% LVR
Want a lower rate on your SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market.
Interest rate
6.74% p.a.
6.76% p.a.
Do I Qualify?
See loan details
Disclaimer:The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Information such as interest rates quoted and default figures used in the assumptions are subject to change.
Calculator assumptions

Frequently asked questions

Yes, loans.com.au can help you with all your SMSF home loan needs, including both the purchase of a new property, and the refinance of your existing SMSF loan.

A Self-Managed Super Fund is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own super, so understanding the basics is crucial before getting started. We always suggest you speak to your accountant or financial advisor for any questions on setting up your SMSF.

We accept both residential and commercial investment properties.

You’ll have a phone appointment with one of our lending specialists to organise pre-approval of your loan. Check the onTrack app to receive your final approval, mortgage documents and loan agreement. You must sign these and return them in to onTrack, which authorises us to deal directly with your existing lender. From this point, you no longer need to pay your previous lender. We pay the loan out by estimating payout costs based on current balance, rate and repayments. Your loan will settle and you'll enjoy new low rates!

There are some restrictions when it comes to any property bought with a SMSF loan, namely that you can't construct a new home, nor can you live in the home at any stage until you reach retirement. We recommend for any questions on this you speak to your accountant or financial advisor.

Some documents you’ll need to refinance include:

  • Your recent Super Fund Statement/s evidencing contributions, cash, investments, rental
  • Evidence of rental income
  • Previous independent legal advice
  • 6 months statement of the loan being refinanced
  • Certified copies of SMSF Trust Deed and Property Trust Deed


For a full list of documents required, apply now or chat to one of our lending specialists on Live Chat or 1300 567 529.

You can get your dream home at a great low home loan rate because of our online model. We don't have to pay for branches or broker commissions, which means we are able to pass our savings directly on to you through low home loan rates and and no ongoing, annual or monthly fees.

At loans.com.au, the only fee you’ll pay to refinance is a one-off security assessment fee, which for a standard property in a metropolitan area in a major city starts at $230 for properties valued up to $1 million. If you are making a purchase, there will also be a $490 legal fee applicable.

Many other lenders may charge an application fee, exit fees, annual fees, and discharge fees, so it’s important to do your research before making your decision.

Customer Picture

Konnie

Lending Specialist

Talk with a real person about our SMSF loans.

Get help from a friendly member of our Australian-based home lending team.

Let's talk

Ready to start saving?

Book time with one of our dedicated SMSF lending specialists.

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