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

What other customers are saying

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

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:

6.99% p.a.*

7.49% p.a.*

Comparison Rate:

7.00% p.a.*

7.50% p.a.*

Max LVR:

70%

80%

 

 

 

2 Year

3 Year

5 Year

Interest Rate:

7.34% p.a.*

7.24% p.a.*

7.39% p.a.*

Comparison Rate:

7.48% p.a.*

7.45% p.a.*

7.47% 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

$3,323 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.99% p.a. paying principal and interest.

Fees

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

Government fees

At cost

Settlement fee

$0

P&I

Interest Rate:

Comp Rate:

Max LVR:

6.99% p.a.*

7.00% p.a.*

70%

 

Interest Rate:

Comp Rate:

Max LVR:

7.49% p.a.*

7.50% p.a.*

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

2 Year

7.34% p.a.*

7.48% p.a.*

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

3 Year

7.24% p.a.*

7.45% p.a.*

80%

 

Fixed Term:

Interest Rate:

Comp Rate:

Max LVR:

5 Year

7.39% p.a.*

7.47% 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

$3,323 per month#

The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.99% p.a. paying principal and interest.

Application fee

$0

Ongoing fees

$0

Security assessment fee

$230

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

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 loan? loans.com.au has some of the lowest rate SMSF loans in the market.

6.99%
variable rate p.a.*
7.00%
comp rate p.a.*
Available for Purchase and Refinance
No application and settlement fee
No monthly or ongoing fees
Find Out More

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.

Ready to start saving?

Book time with one of our dedicated SMSF lending specialists.

TAP to chat!