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Our SMSF Loans

  • Available for purchase and refinance
  • No settlement fee
  • 30% deposit minimum
Rates from*
6.99
%
p.a.
Comparison Rate*
7.00
%
p.a.
Monthly repayment#
$3,323
Rates from*
6.99
%
p.a.
Comparison Rate*
7.00
%
p.a.
Monthly repayment#
$3,323

Monthly repayment#
$3,323
  • Available for purchase and refinance
  • No settlement fee
  • 20% deposit minimum
Rates from*
7.49
%
p.a.
Comparison Rate*
7.50
%
p.a.
Monthly repayment#
$3,493
Rates from*
7.49
%
p.a.
Comparison Rate*
7.50
%
p.a.
Monthly repayment#
$3,493

Monthly repayment#
$3,493
  • Available for purchase and refinance
  • 90 day rate lock option available
  • 20% deposit minimum
Rates from*
7.14
%
p.a.
Comparison Rate*
7.45
%
p.a.
Monthly repayment#
$3,374
Rates from*
7.14
%
p.a.
Comparison Rate*
7.45
%
p.a.
Monthly repayment#
$3,374

Monthly repayment#
$3,374
  • Available for purchase and refinance
  • 90 day rate lock option available
  • 20% deposit minimum
Rates from*
7.09
%
p.a.
Comparison Rate*
7.42
%
p.a.
Monthly repayment#
$3,357
Rates from*
7.09
%
p.a.
Comparison Rate*
7.42
%
p.a.
Monthly repayment#
$3,357

Monthly repayment#
$3,357
  • Available for purchase and refinance
  • 90 day rate lock option available
  • 20% deposit minimum
Rates from*
7.29
%
p.a.
Comparison Rate*
7.44
%
p.a.
Monthly repayment#
$3,424
Rates from*
7.29
%
p.a.
Comparison Rate*
7.44
%
p.a.
Monthly repayment#
$3,424

Monthly repayment#
$3,424
#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

Why get our SMSF loan?

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No monthly or ongoing fees

We don’t charge any monthly, annual or ongoing fees, so you can save thousands and focus on what is important to you.

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Online access
 

Access your SMSF loan via our easy-to-use online app Smart Money.

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Unlimited extra repayments**

Pay off your SMSF loan sooner with unlimited extra repayments

$0

Application fee

As an online lender, we save in overhead costs and pass those savings directly on to you. So, we don't charge you an application fee.

$0

Monthly or annual fees

In addition to our great low rates, we don’t charge you any ongoing fees.

$0

Settlement fee

There won’t even be any fees at settlement time!

Get started

Ready to start saving on your current SMSF Residential Loan? Simply apply online or chat to a lending specialist and they can do the hard work for you. We make the process easy so you can settle sooner.

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Talk to a lending specialist

Book a call with one of our experienced lending specialists and they can complete your SMSF Residential Loan application for you.

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Ready to apply?

Call 13 10 90 or select “Apply Now” to begin your online SMSF Residential Loan application.

SMSF Residential Loan Rates

SMSF Residential Loan Rates

Product Name

Max LVR

Principal & Interest Rate p.a.

Interest Only Rate p.a.

SMSF Loan

70%

6.99%
7.00% comp rate*

NA

 

80%

7.49%
7.50% comp rate*

NA

SMSF 80 (Fixed 2 years)

80%

7.14%.
7.45% comp rate*

NA

SMSF 80 (Fixed 3 years)

80%

7.09%.
7.42% comp rate*

NA

SMSF 80 (Fixed 5 years)

80%

7.29%.
7.44% comp rate*

NA

SMSF Loan
Principal & Interest

70% MAX LVR
6.99%
7.00%

Variable rate p.a.

Comp rate p.a.*

80% MAX LVR
7.49%
7.50%

Variable rate p.a.

Comp rate p.a.*

SMSF 80 (Fixed 2 years)
Principal & Interest

80% MAX LVR
7.14%
7.45%

Fixed rate p.a.

Comp rate p.a.*

SMSF 80 (Fixed 3 years)
Principal & Interest

80% MAX LVR
7.09%
7.42%

Fixed rate p.a.

Comp rate p.a.*

SMSF 80 (Fixed 5 years)
Principal & Interest

80% MAX LVR
7.29%
7.44%

Fixed rate p.a.

Comp rate p.a.*

Want to see more home loan options? Compare our home loans

Want to see more home loan options? Compare our home loans

What is an SMSF loan?

A Self-Managed Super Fund, or SMSF is a private superannuation fund that allows you to manage your own superannuation investments for your retirement. Not everyone can set up their own superannuation, so understanding the basics is crucial before getting started, and for this we always recommend speaking to your accountant or financial advisor.

An SMSF loan is a home loan used by an SMSF to purchase an investment property. The returns on the investment, which can either be your capital gains or rental payments, are funnelled back into the superannuation fund for your retirement.

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SMSF borrowing capacity

If you’re thinking about leveraging your SMSF to invest in property, you should check out our SMSF borrowing calculator. 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

Smart friends

Real Good Rewards

As a loans.com.au customer, if you refer a new customer to us we’ll reward you.

$1,000 New Home Loan Customer
$250 New Car Loan Customer
Learn more

Our home loan application process

1
Apply online

Apply online

Simply fill out your 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
Goodbye paperwork

Goodbye paperwork

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.

3
Settle & save

Settle & save

Your loan will settle and you'll start saving with your new low rate, and get your keys to your new dream home!

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.

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For the last 10 years, thousands of Aussies have trusted loans.com.au with some of their biggest financial decisions - buying a home, a new car or refinancing to save on interest.

Customers trust us to support them with low rates, approved quickly through our easy-to-use online app, where you can track the status of your loan from application to settlement.

loans.com.au is completely safe, with thousands of happy customers across Australia. We are financially backed by Firstmac, Australia’s 13th largest lender. Firstmac has been operating successfully for more than 40 years, and has $13 billion in mortgages under management, as Australia’s leading non-bank lender.

We are also actively involved in our local community with our loans.com.au Women, Children & Community Program designed to support Australian charities on their mission to raise awareness for important causes.

Read our story

Join our other loans.com.au customers

Very easy process

Very easy process with a friendly lending manager to guide you through.

Helen D.
25 Feb 2024

A big thanks to loans.com.au

My experience in getting a loan from Loans.com.au has been great. I think I was also fortunate in getting a highly experienced loan officer Ray Glowacki who was able to evaluate the circumstance and offer me the most suitable product.

FRANK D.
31 Jan 2024

Extremely helpful

Ray has been extremely helpful in setting up my refinance, he made the process so easy and was happy to take the time to answer all my questions. Thanks Ray!

Tamara W.
17 Jan 2024

Helpful!

Ray was an absolute pleasure to work with. His knowledge and years of experience meant he was able to assess our complex situation to find the best outcome for us. Ray thank you so much for your help and support every step of the way!

Samantha S.
16 Dec 2023

Professional and less stressful application

A big thanks to Ray and his team for making this process seamless. Professional advice and communication throughout the process. Professional and less stressful application than with any other we have been involved in before.

Gareth W.
12 Dec 2023

Great customer service!

Great customer service, thanks Ray!

Chris W.
19 Nov 2023

Simply amazing!

Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!

Clive G.
14 Nov 2023

Quick efficient and friendly!

Incredible company that has 10/10 customer service. Quick efficient and friendly!.

Gdenma G.
21 Sep 2023

Would highly recommend

Ray couldn’t have made the process of refinancing any easier for us. Would highly recommend.

Scott B.
21 Aug 2023

Excellent People, Cheap rates, fast process

Excellent People, Cheap rates, fast process. I had to arrange finance in 2 weeks and they sorted it out. Rena has been extremely helpful.

Sam S.
26 Jul 2023

Incredible experience

Had full formal approval within 10 days from applying online. Hassle free, transparent and above all else a really competitive interest rate. Thanks all for making an incredibly stressful and high stakes event so seamless. HIGHLY recommend!

Tim D.
25 Jul 2023

Brilliant service

Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.

Ominous B.
03 Jul 2023

Questions? We can help

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Chat online right now

Send us a message via Live Chat and we’ll get back to you instantly.

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Talk to a lending specialist

Our experienced lending specialists can answer any questions you have and how we can help you to start saving on your SMSF loan.

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