Why get our SMSF loan?
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.
Online access
Access your SMSF loan via our easy-to-use online app Smart Money.
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.
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
![](/media/icons/hlo-icon-8.png)
SMSF Loan
Principal & Interest
Variable rate p.a.
Comp rate p.a.*
Variable rate p.a.
Comp rate p.a.*
SMSF 80 (Fixed 2 years)
Principal & Interest
Fixed rate p.a.
Comp rate p.a.*
SMSF 80 (Fixed 3 years)
Principal & Interest
Fixed rate p.a.
Comp rate p.a.*
SMSF 80 (Fixed 5 years)
Principal & Interest
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.
![whatisgreencar-img](/media/images/img-whatissmsfhome.png)
Frequently asked questions
![award-winning-img](/media/images/award-winning-img.png)
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