Following the RBA's decision to decrease the official cash rate, our variable interest rates for existing customers will decrease by 0.25% effective from the 3rd June 2025.
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Our SMSF Loans

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Loan reasons
Loan type
SMSF Loan Interest Rate Monthly Repayment Product Features Details

SMSF Commercial 70

Investor • Principal & Interest • Up to 70% LVR
Most Popular
 		7.44% p.a.  $3,476
  • Purchase or refinance commercial property
  • 30% deposit minimum
  • No monthly, ongoing, or settlement fees
  • Unlimited additional repayments
  • Split with fixed rate
  • Access your account via Smart Money app
Enquire now

SMSF Commercial 80

Investor • Principal & Interest • Up to 80% LVR 		7.74% p.a.  $3,579
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • No monthly, ongoing, or settlement fees
  • Unlimited additional repayments
  • Split with fixed rate
  • Access your account via Smart Money app
Enquire now

SMSF Commercial 80 (Fixed 2 Years)

Investor • Principal & Interest • Up to 80% LVR 		8.14% p.a.  $3,718
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock option available*^
  • No monthly, ongoing, or settlement fees
  • Up to $10,000 extra repayment/year
  • Access your account via Smart Money app
Enquire now

SMSF Commercial 80 (Fixed 3 Years)

Investor • Principal & Interest • Up to 80% LVR 		8.14% p.a.  $3,718
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock option available*^
  • No monthly, ongoing, or settlement fees
  • Up to $10,000 extra repayment/year
  • Access your account via Smart Money app
Enquire now

SMSF Commercial 80 (Fixed 5 Years)

Investor • Principal & Interest • Up to 80% LVR 		8.34% p.a.  $3,788
  • Purchase or refinance commercial property
  • 20% deposit minimum
  • 90 day rate lock required*^
  • No monthly, ongoing, or settlement fees
  • Up to $10,000 extra repayment/year
  • Access your account via Smart Money app
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
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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 sooner 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 loan details

%
Based on the data you have supplied, we estimate you can borrow
$248,454
Most Popular

SMSF Commercial 70
Investor • Principal & Interest • Up to 70% LVR
Looking for a competitive SMSF commercial loan rate? loans.com.au has some of the most competitive SMSF commercial loan offers in the market.
Interest rate
7.44% p.a.
-% 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

A self managed super fund loan that looks just like this

Here’s your new offer with a real low rate

Repayment Type

Maximum LVR of 70%

Product Interest rate from Comparison rate
SMSF Commercial 70 7.44% p.a.^ -

Maximum LVR of 80%

Product Interest rate from Comparison rate
SMSF Commercial 80 7.74% p.a.^ -
SMSF Commercial 80 (Fixed 2 Years) 8.14% p.a.^ -
SMSF Commercial 80 (Fixed 3 Years) 8.14% p.a.^ -
SMSF Commercial 80 (Fixed 5 Years) 8.34% p.a.^ -
Up to 30 years loan term Yes
Available for refinance or purchase Yes
Unlimited additional repayments Yes
No monthly or ongoing fees Yes
No settlement fee Yes
Application fee $0
Ongoing fees $0
Security assessment fee $230
Government fees At cost
Settlement fee $0
Optional rate lock fee $350*^

SMSF loan eligibility

Do I Qualify?
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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 enjoy your new loan rate.

Apply Online
How it works

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.

Customer Picture

Konnie

Lending Specialist

Real humans based in Brisbane, Australia

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

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Book time with one of our dedicated SMSF lending specialists.

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SMSF articles

Smsf-property-valuation-rules-requirements.webp
ARTICLE

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.

22 Aug, 2024
Guide-to-smsf-commercial-property
ARTICLE

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.

17 Jul, 2024
Can-i-lend-money-to-smsf-to-buy-investment-property.webp
ARTICLE

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. 

15 Jul, 2024

A guide to selling SMSF property

15 Jul, 2024
A-guide-to-selling-smsf-property.png

Retirement options for SMSF Property

02 Nov, 2023
Retirement-options-for-smsf-property.png

The Pros and Cons of Using SMSF to Invest in Property

25 Jul, 2023
Pros-and-cons-of-using-smsf-to-investment-property.webp

How to Set Up an SMSF for Property Investment

23 Jun, 2023
How-to-set-up-an-smsf-for-property-investment.webp

Buying land and building with SMSF

03 Jan, 2023
can-an-smsf-buy-land-and-build

How do SMSF Trustees work?

03 Jan, 2023
how-do-smsf-trustees-work

A guide to SMSF Home Loans

21 Dec, 2022
a-guide-to-smsf-home-loans

How to refinance an SMSF loan

01 Mar, 2022
how-to-refinance-an-smsf-loan
View all

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