SMSF Loan
loans.com.au is proud to partner with MySMSF to help you with some of the lowest SMSF loans in the market.
Our SMSF Loans
| SMSF Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
SMSF 70Most Popular
|
6.99 % p.a. | 7.00 % p.a. | $3,323 |
|
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SMSF 80 |
7.49 % p.a. | 7.50 % p.a. | $3,493 |
|
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SMSF 80 (Fixed 2 Years) |
7.34 % p.a. | 7.48 % p.a. | $3,441 |
|
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SMSF 80 (Fixed 3 Years) |
7.24 % p.a. | 7.45 % p.a. | $3,407 |
|
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SMSF 80 (Fixed 5 Years) |
7.39 % p.a. | 7.47 % p.a. | $3,458 |
|
Enquire now |
What is an SMSF Residential Loan?
A Self-Managed Super Fund, or SMSF is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own superannuation, so understanding the basics is crucial before getting started, and for this we always recommend speaking to your accountant or financial advisor.
An SMSF loan is a home loan used by an SMSF to purchase an investment property. The returns on the investment, which can either be your capital gains or rental payments, are funnelled back into the superannuation fund for your retirement.
Get started
Ready to start saving on your current SMSF Residential Loan? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can settle sooner.
SMSF Residential Loan Rates
SMSF Residential Loan Rates
Product Name
Max LVR
Principal & Interest Rate p.a.
Interest Only Rate p.a.
SMSF Loan
70%
6.99%
7.00% comp rate*
NA
80%
7.49%
7.50% comp rate*
NA
SMSF 80 (Fixed 2 years)
80%
7.34%.
7.48% comp rate*
NA
SMSF 80 (Fixed 3 years)
80%
7.24%.
7.45% comp rate*
NA
SMSF 80 (Fixed 5 years)
80%
7.39%.
7.47% comp rate*
NA
SMSF Loan
Principal & Interest
Variable rate p.a.
Comp rate p.a.*
Variable rate p.a.
Comp rate p.a.*
SMSF 80 (Fixed 2 years)
Principal & Interest
Fixed rate p.a.
Comp rate p.a.*
SMSF 80 (Fixed 3 years)
Principal & Interest
Fixed rate p.a.
Comp rate p.a.*
SMSF 80 (Fixed 5 years)
Principal & Interest
Fixed rate p.a.
Comp rate p.a.*
Want to see more home loan options? Compare our home loans
Want to see more home loan options? Compare our home loans
Calculate your SMSF borrowing capacity
Fill out your information, and we can estimate your maximum SMSF borrowing capacity on an investment property.
Based on the data you have supplied, we estimate you can borrow:
Looking for a low rate SMSF loan? loans.com.au has some of the lowest rate SMSF loans in the market.
Why refinance to our SMSF Residential Loan?
No monthly or ongoing fees
We don’t charge any monthly, annual or ongoing fees, so you can save thousands and focus on what is important to you.
Online access
Access your SMSF loan via our easy-to-use online app Smart Money.
Unlimited extra repayments**
Pay off your SMSF loan sooner with unlimited extra repayments
$0
Application fee
As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.
$0
Monthly or annual fees
In addition to our great low rates, we don’t charge you any ongoing fees.
$0
Settlement fee
There won’t even be any fees at settlement time!
Frequently asked questions
- 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 13 10 90.
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.
Our home loan application process
Apply online
Simply fill out your 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.
Goodbye paperwork
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.
Settle & save
Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!
Customer Stories
Richard
Home loan customer
easy to deal with and they had a lovely competitive interest rate.
Steven
Home loan customer
Quite good and honestly better than I was expecting.
Richard
Home loan customer
easy to deal with and they had a lovely competitive interest rate.
Steven
Home loan customer
Quite good and honestly better than I was expecting.
For the last 10 years, thousands of Aussies have trusted loans.com.au with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.
Customers trust us to support them with low rates, approved quickly through our easy-to-use online app, where you can track the status of your loan from application to settlement.
loans.com.au is completely safe, with thousands of happy customers across Australia. We are financially backed by Firstmac, Australia’s 13th largest lender. Firstmac has been operating successfully for more than 40 years, and has $13 billion in mortgages under management, as Australia’s leading non-bank lender.
We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.
Read our story
loans.com.au
A guide to SMSF Property Valuations
An SMSF property valuation is essential when creating annual SMSF financial reports. It’s there to confirm if your SMSF follows superannuation fund laws. The asset valuation also affects the returns for members and overall SMSF sector performance.
loans.com.au
A guide to SMSF commercial property
Investing in commercial real estate is a popular way to use your SMSF. It provides great profit potential while giving members more flexibility compared to stocks, bonds, and residential property investments.
loans.com.au
Can I lend money to my SMSF to buy an investment property?
Your SMSF is allowed to borrow money from related parties if it meets certain conditions. If your superannuation fund can cover the deposit, you could lend your SMSF the money needed to purchase an investment property.
A guide to selling SMSF property
Retirement options for SMSF Property
The Pros and Cons of Using SMSF to Invest in Property
How to Set Up an SMSF for Property Investment
How do SMSF Trustees work?
Buying land and building with SMSF
A guide to SMSF Home Loans
How to refinance an SMSF loan
