LCA - FAQ - What documents do I need to apply for an SMSF loan?

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 .

SMSF Residential Loan

If you’re thinking about leveraging your SMSF to invest in property, applying for low-rate loan is real easy!

Rates from*

6.74

% p.a

Comparison rate*

6.76

% p.a

Our google rating

4.5 476 reviews

Multi-award winning

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Property type:

Commercial

Residential

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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

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“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

Good service

“Very good rates and good service„

Jitendra G.

09 Apr 2025

Each experience has been smooth and reliable

“Friendly staff with a highly professional approach to the finance industry. I would highly recommend working with the team at loans.com.au. This is my third time using their services, and each experience has been smooth and reliable.„

Kevin W.

08 Apr 2025

Incredibly helpful throughout the process

“Sharon and Team at loans.com were amazing. She was happy to answer and explain all my questions thoroughly. Every interaction with Sharon and the Team was supportive, willing to listen and provide help when needed. Will definitely recommend Loans.com especially working with Sharon and Lee Li.„

Aman P.

01 Apr 2025

Very helpful, making the process easy

“The staff were very helpful, making the process easy. I was slow at times to respond but they cheerfully dealt with this until I was approved. I am very impressed.„

Kendall H.

01 Apr 2025

Straightforward

“Straightforward, pleasant, very helpful staff.„

Liz M.

30 Mar 2025

Very helpful and understanding

“Tannah was very helpful and understanding. It's been a very smooth process and great communication on their part!„

Billy T.

28 Mar 2025

Very smooth

“Fabulous Team, thank you so much for a very smooth & successful application!„

Maree L.

27 Mar 2025

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

Our Google rating

4.5 476 reviews

As seen on...

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

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.

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.

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.

Settle

Your loan will settle, and you’ll enjoy your new loan rate.

A self managed super fund loan that looks just like this

Here’s your new offer with a real low rate

Rates

Principal & interest	Interest Rate:	Comparison Rate:	Max LVR:
SMSF Residential 70	6.74% p.a.*	6.76% p.a.*	70%
SMSF Residential 80	7.24% p.a.*	7.26% p.a.*	80%
SMSF Residential 80 (Fixed 2 Years)	6.99% p.a.*	7.21% p.a.*	80%
SMSF Residential 80 (Fixed 3 Years)	6.99% p.a.*	7.18% p.a.*	80%
SMSF Residential 80 (Fixed 5 Years)	7.19% p.a.*	7.23% p.a.*	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*^

Rates

P&I

SMSF Residential 70	Interest Rate: 6.74% p.a.*
	Comp Rate: 6.76% p.a.*
	Max LVR: 70%

SMSF Residential 80	Interest Rate: 7.24% p.a.*
	Comp Rate: 7.26% p.a.*
	Max LVR: 70%

SMSF Residential 80 (Fixed 2 Years)	Interest Rate: 6.99% p.a.*
	Comp Rate: 7.21% p.a.*
	Max LVR: 70%

SMSF Residential 80 (Fixed 3 Years)	Interest Rate: 6.99% p.a.*
	Comp Rate: 7.18% p.a.*
	Max LVR: 70%

SMSF Residential 80 (Fixed 5 Years)	Interest Rate: 7.19% p.a.*
	Comp Rate: 7.23% p.a.*
	Max LVR: 70%

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*^

Product Brochure

Download the Key Facts Sheet

2024 WeMoney - Best for Value (Refinance)

2024 Mozo - Expert's Choice for 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

Loan interest rate

Annual rental income

Annual salary

Annual salary sacrifice

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

$274,258

SMSF Residential 70

Investor • Principal & Interest • Up to 70% LVR

Looking for a competitive SMSF loan rate? loans.com.au has some of the most competitive SMSF loan offers 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

Can I purchase a property with your SMSF loan?

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.

What is a Self-Managed Super Fund or SMSF?

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.

What sort of property will be acceptable?

We accept both residential and commercial investment properties.

What’s your SMSF refinancing process?

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!

Can I live in a property with an SMSF loan?

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.

What documents do I need to apply for an SMSF loan?

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.

Why are your SMSF home loan rates so low?

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.

How much does it cost to settle a SMSF home loan?

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.

Konnie

Lending Specialist

Talk with a real person about our SMSF loans.

As an experienced lending specialist, Konnie and our team can answer all your questions to get you on track.

Let's talk

Ready to start saving?

Book time with one of our dedicated SMSF lending specialists.