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Our SMSF Loans

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Loan reasons
Loan type
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.
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
$274,258
Most Popular

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

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

Do I Qualify?

Real-life customer stories

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Slide 1

Jack

Meet Jack, a customer of ours who came to us when he wanted to finance a residential property investment through his SMSF.

  • I personally believe that investing in a property through my SMSF will deliver better returns than putting the money into a typical retirement or industry super fund.

  • I was on the computer late one evening and I came across loans.com.au with their very-low interest rate and, once I worked out the figures and annualised it, that was way better than what the broker had recommended.

Read story View all
Slide 1

Tom

Meet Tom, a fantastic customer of ours who came to us when it was time to purchase an investment property through his SMSF.

  • We wanted to get out of Sydney at a later stage anyway and slowly start retiring so buying an investment property now near Lake Macquarie that we could live in later seemed like a good long-term strategy.

  • loans.com.au have got a good process in place and combined with engaged & well-informed staff, make it a successful business which ultimately make it less stressful to deal with.

Read story View all
Slide 1

Paul

Meet Paul, an awesome customer of ours who came to us when he wanted to buy a commercial property through his self-managed super fund.

  • Paul’s wife Kylie had been renting a space for her Pilates studio in North Adelaide for over a decade. When a commercial unit became available within the same complex, they saw a golden opportunity to secure a permanent home for the business. After consulting with their financial adviser, they decided to set up a self-managed super fund (SMSF) and purchase the property through it.

  • Our online system guided Paul every step of the way, offering transparency, seamless communication, and quick document processing.

Read story View all

Join our other customers

Absolutely brilliant, professional and very informative

“What a joy to deal with Liam and Emira from Loans.com. I started applying for my car loan last Thursday and by Tuesday afternoon the car dealer was paid. Liam and Emira were absolutely brilliant, professional and very informative. My mortgage comes off fixed next June and I know where I will be moving to. Thank you for everything.„

Carolyn G.
19 Jun 2025

The loan process was really easy and quick

“The loan process was really easy and quick. Staff is really friendly and keep you updated. Highly recommended.„

Vishal K.
18 Jun 2025

The fastest and easiest process I have ever had in regards to any finance

“The fastest and easiest process I have ever had in regards to any finance. From first chat to settlement in 24 hours and constant communication the entire way! Trina is first class! Emira was SENSATIONAL! BEYOND RECOMMEND!„

Brian S.
17 Jun 2025

The team was absolutely amazing to deal with

“I have dealt with Jessica on a recent new home loan application and Jessica and the team was absolutely amazing to deal with. Super quick and kept with in the loop throughout the process. Second to none customer services!„

Simon L.
16 Jun 2025

I could not have asked for a better service

“The service and follow up provided by the loans.com.au team was impeccable. I could not have asked for a better service.„

Caraman C.
13 Jun 2025

They have exceptional customer service!

“I was referred to loans.com.au and now I see why, they have exceptional customer service! I feel so fortunate to have had Rena and Trina handle my application. They were both incredibly friendly, kind, and efficient when it came to processing and approving my application. They genuinely care about helping others and made the entire process smooth and enjoyable.„

Rojina R.
12 Jun 2025

I was very impressed with loans.com.au

“I was very impressed with loans.com.au pragmatic credit policies and the excellent service I received from Emira and Trina in applying for and settling my car loan. They also have 2 very user friendly apps to help with the process. Very easy to deal with, I would definitely recommend them to anybody wanting a stress free and smooth experience.„

Joe F.
12 Jun 2025

Had good experience

“Had good experience with Jasmine and Tiffany who supported me along the way from getting a pre-approval quickly, through the purchase and to the settlement. Not to mention competitive rates and borrowing power they provide.„

Gleb L.
11 Jun 2025

Had a great experience with loans.com.au

“Had a great experience with loans.com.au. Was the best rate/lowest fees I could find and the service was faultless. I won't be going anywhere else for vehicle financing in the future.„

John M.
10 Jun 2025

I am tremendously satisfied

“I am tremendously satisfied with Sonia and Harriet’s assistance with my loan applications. Loans.com was recommended by a family friend and Sonia portrayed immense knowledge and professionalism when working with me to get the best financial outcome. Sonia has exceptional expertise in her subject matter and was incredibly responsive, and together the team made sure I was able to meet my deadline without any stress. Fantastic experience – will highly recommend Sonia and her team at Loans.com!„

Ridhima G.
10 Jun 2025

If I could give 6 stars in this review I would

“In all my dealings with loans over the years, Stuart is hands down one of the best I’ve ever come across. His professionalism, responsiveness, and genuine willingness to help sets a new standard. I would absolutely recommend loans.com.au—and especially Stuart—to anyone looking for a hassle-free and professional mortgage experience. If I could give 6 stars in this review I would.„

Beau B.
10 Jun 2025

I love to deal with them directly

“I am with Loans.com.au since 2014 and I have got multiple loans from new purchases and refinance of IP to OO loans. They have been exceeding my expectation every time. I love to deal with them directly and their lending specialist and support staff are second to none compared to other banks including the big 4. Highly recommend!„

Shiva S.
07 Jun 2025

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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

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.

Home loan FAQs
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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.

Smart friends

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

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Ready to start saving?

Book time with one of our dedicated SMSF lending specialists.

Do I Qualify?

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
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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
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