SMSF Residential Loan
Looking for a competitive rate SMSF loan? loans.com.au has some of the competitive rate SMSF loans in the market.
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Our SMSF Loans
SMSF Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
---|---|---|---|---|---|
SMSF Residential 70Investor • Principal & Interest • Up to 70% LVRMost Popular
|
6.49% p.a. | 6.51% p.a. | $3,157 |
|
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SMSF Residential 80Investor • Principal & Interest • Up to 80% LVR |
6.99% p.a. | 7.01% p.a. | $3,323 |
|
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SMSF Residential 80 (Fixed 2 Years)Investor • Principal & Interest • Up to 80% LVR |
6.59% p.a. | 6.93% p.a. | $3,190 |
|
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SMSF Residential 80 (Fixed 3 Years)Investor • Principal & Interest • Up to 80% LVR |
6.64% p.a. | 6.91% p.a. | $3,207 |
|
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SMSF Residential 80 (Fixed 5 Years)Investor • Principal & Interest • Up to 80% LVR |
6.99% p.a. | 7.01% p.a. | $3,323 |
|
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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.
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 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.* |
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
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“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„
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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.
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Settle
Your loan will settle, and you’ll enjoy your new loan rate.
onTrack
Fast track your loan with onTrack
- Gain 24/7 control of your application
- Get alerts straight to your phone
- Easy to download mobile app
Access at your fingertip
You now have access and complete clarity of your loan application on-the-go with onTrack mobile.
The easy to use mobile app will keep you up-to-date with the progress of your loan anytime, anywhere with alerts straight to your phone. It's now even easier to get your loan approved and settled fast, no matter where you are.
Frequently asked questions
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.
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.
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.
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.
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 articles
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.
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.
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
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