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

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

Rates from*

6.49

% p.a

Comparison rate*

6.51

% p.a

Our google rating

4.5 490 reviews

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SMSF Loan	Interest Rate	Comparison Rate	Monthly Repayment	Product Features	Details
SMSF Residential 70 Investor • Principal & Interest • Up to 70% LVR Most Popular	6.49% p.a.	6.51% p.a.	$3,157	Purchase or refinance residential 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 Residential 80 Investor • Principal & Interest • Up to 80% LVR	6.99% p.a.	7.01% p.a.	$3,323	Purchase or refinance residential 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 Residential 80 (Fixed 2 Years) Investor • Principal & Interest • Up to 80% LVR	6.59% p.a.	6.93% p.a.	$3,190	Purchase or refinance residential 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 Residential 80 (Fixed 3 Years) Investor • Principal & Interest • Up to 80% LVR	6.64% p.a.	6.91% p.a.	$3,207	Purchase or refinance residential 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 Residential 80 (Fixed 5 Years) Investor • Principal & Interest • Up to 80% LVR	6.99% p.a.	7.01% p.a.	$3,323	Purchase or refinance residential 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.

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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

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

6.49%p.a.

6.51%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

Rates

Repayment Type

Principal & Interest

Maximum LVR of 70%

Product	Interest rate from	Comparison rate
SMSF Residential 70	6.49% p.a.*	6.51% p.a.*

Maximum LVR of 80%

Product	Interest rate from	Comparison rate
SMSF Residential 80	6.99% p.a.*	7.01% p.a.*
SMSF Residential 80 (Fixed 2 Years)	6.59% p.a.*	6.93% p.a.*
SMSF Residential 80 (Fixed 3 Years)	6.64% p.a.*	6.91% p.a.*
SMSF Residential 80 (Fixed 5 Years)	6.99% p.a.*	7.01% p.a.*

Key Features

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

Fees

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?

"We found that loans.com.au still had a very competitive rate and we were happy with the service"

Laura

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Excellent service

“Excellent service. Easy to complete online with great assistance.„

David L.

30 May 2025

Smooth and stress-free

“I’m truly grateful to loans.com.au for securing a loan for me with such a great interest rate. From the very beginning, they were professional, responsive, and incredibly helpful throughout the whole process. They made everything smooth and stress-free, and I felt supported every step of the way.„

Mostafa M.

29 May 2025

Fantastic to work with

“Sharon and Harriet have been fantastic to work with. Their bosses are very lucky to have these two employees. They make the business a pleasure to engage with.„

Joel F.

28 May 2025

Helpful and professional

“The two ladies I delt were really helpful and professional couldn't be happier with the outcome.„

Daniel H.

26 May 2025

Fast approval

“Amazing service. Trina went above and beyond to make it an easy and fuss free experience!! Easy online portal to upload documents and fast approval. Our second loan through them and would use again and again!„

Danielle T.

21 May 2025

Speed, efficiency, and real human support

“Trina’s support made all the difference, and I can’t thank her enough! If you're looking for a loan provider that combines speed, efficiency, and real human support, I highly recommend Loans.com.au.„

Michael I.

09 May 2025

Very professional

“Very professional, always maintain contact through out the process and quick to respond when calling or emailing. Overall process was quick and easy. Thumbs up 👍 would definitely use them again.„

Stewart O.

05 May 2025

Great outcome

“Thankyou Tiffany for being so kind, warm, friendly, and helpful to my husband and I. Its people like you that make life's decisions so much easier. We need more people like you and your personality doing the type of service you offer. Thankyou for all your support for a great outcome.„

Donna A.

30 Apr 2025

Excellent customer service and support

“Thanks to the hard work and commitment of both Emira and Cherie, I felt confident and well-supported at every step. I would highly recommend Loans.com.au to anyone seeking car finance solutions, and I look forward to working with your team again in the future.„

Avi I.

29 Apr 2025

Highly recommended

“Great to deal with kept us up-to-date every step of the way with the refinancing would highly recommend them.„

Bradley P.

28 Apr 2025

Less stressful

“Brent is the best lending manager I have ever dealt with. Patient, friendly and knowledgeable. Always willing to help and also provide options to consider so that I don't miss out anything. This made my purchase and refinance of investment property much less stressful„

Jason P.

15 Apr 2025

Hassle free

“Helen, Sharny and the loans.com.au team have been excellent to work with. Jason and I have never had such good communication with a bank. The whole loans process from start to finish has been hassle free and having the onTrack app makes keeping track of where you are in the process, easy. Would definitely recommend.„

Sally C.

14 Apr 2025

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4.5 490 reviews

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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.

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How it works

Frequently asked questions

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.

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.

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.

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.

Home loan FAQs

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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SMSF Residential Loan

Book your free consultation with an SMSF Lending Expert

Our SMSF Loans

SMSF Residential 70

SMSF Residential 80

SMSF Residential 80 (Fixed 2 Years)

SMSF Residential 80 (Fixed 3 Years)

SMSF Residential 80 (Fixed 5 Years)

Why choose a self managed super fund loan?

Calculate your SMSF borrowing capacity

Your loan details

SMSF Residential 70

A self managed super fund loan that looks just like this

Rates

Repayment Type

Key Features

Fees

SMSF loan eligibility

"We found that loans.com.au still had a very competitive rate and we were happy with the service"

Join our other customers

Our Google rating

As seen on...

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

onTrack

Frequently asked questions

What is a Self-Managed Super Fund or SMSF?

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

What sort of property will be acceptable?

What’s your SMSF refinancing process?

Can I live in a property with an SMSF loan?

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

Why are your SMSF home loan rates so low?

Can I purchase a property with your SMSF loan?

Real humans based in Brisbane, Australia

Smart friends

Real Good Rewards

Ready to start saving?

SMSF articles

A guide to SMSF Property Valuations

A guide to SMSF commercial property

Can I lend money to my SMSF to buy 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

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