SMSF Home Loans
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 Home Loans
| SMSF Loan | Interest Rate | Comparison Rate | Monthly Repayment | Product Features | Details |
|---|---|---|---|---|---|
SMSF Residential 70Investor • Principal & Interest • Up to 70% LVR |
6.24% p.a. | 6.26% p.a. | $3,075 |
|
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SMSF Residential 80Investor • Principal & Interest • Up to 80% LVR |
6.74% p.a. | 6.76% p.a. | $3,240 |
|
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SMSF Residential 80 (Fixed 2 Years)Investor • Principal & Interest • Up to 80% LVR |
6.59% p.a. | 6.73% 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. | 6.73% 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. | 6.87% 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.
Your guide to SMSF loans
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.
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Our SMSF loan application process
Speak to our Specialist
Make an appointment with our lending specialists who will guide you through the SMSF loan process, including getting a pre-approval tailored to your needs.
Upload & Track
Submit your documents and monitor your application in real time via our onTrack portal.
Approval & Signing
Signing document
Settlement
Your loan will settle, and you’ll enjoy your new loan rate.
Manage Your Loan
You'll receive your login details to manage your repayments and account details via our Smart Money app.
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.
As an online lender, we operate without the overheads of a physical branch network or broker commissions. Our digital processes and innovative technology help us keep costs down. This allows us to pass those savings directly on to you through competitive home and car loan rates.
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.
Sarah
Lending Specialist
Real humans based in Brisbane, Australia
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.
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
