SMSF Loan
Book your free consultation with an SMSF Lending Expert
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 sooners with unlimited extra repayments.
A win for you.
No application and settlement fee. No monthly or ongoing fees.
“I’d only heard good things about loans.com.au from my clients, so when I saw that you’d started lending for SMSF I didn’t hesitate.”
As seen on...
A self managed super fund loan that looks just like this
Here’s your new offer with a real low rate
Rates
Principal & interest
Fixed Term:
–
–
Interest Rate:
6.24% p.a.*
6.74% p.a.*
Comparison Rate:
6.26% p.a.*
6.76% p.a.*
Max LVR:
70%
80%
2 Year
3 Year
5 Year
Interest Rate:
6.54% p.a.*
6.64% p.a.*
7.04% p.a.*
Comparison Rate:
6.72% p.a.*
6.73% p.a.*
6.89% p.a.*
Max LVR:
80%
80%
80%
Key Features
Up to 30 years loan term
Available for refinance or purchase
Unlimited additional repayments
No monthly or ongoing fees
No settlement fee
Repayments
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$3,075 per month#
The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.24% p.a. paying principal and interest.
Fees
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$0
Optional rate lock fee
$350*^
P&I
Interest Rate:
Comp Rate:
Max LVR:
6.24% p.a.*
6.26% p.a.*
70%
Interest Rate:
Comp Rate:
Max LVR:
6.74% p.a.*
6.76% p.a.*
80%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
2 Year
6.54% p.a.*
6.72% p.a.*
80%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
3 Year
6.64% p.a.*
6.73% p.a.*
80%
Fixed Term:
Interest Rate:
Comp Rate:
Max LVR:
5 Year
7.04% p.a.*
6.89% p.a.*
80%
Up to 30 years loan term
Available for refinance or purchase
Unlimited additional repayments
No monthly or ongoing fees
No settlement fee
Frequency
Weekly, monthly or fortnightly
Estimated repayments
$3,075 per month#
The monthly repayment estimate is based on a $500,000 loan over 30 years at 6.24% p.a. paying principal and interest.
Application fee
$0
Ongoing fees
$0
Security assessment fee
$230
Government fees
At cost
Settlement fee
$0
Optional rate lock fee
$350*^
Frequently asked questions
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.
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.
Sarah
Lending Specialist
Talk with a real person about our SMSF loans.
As an experienced lending specialist, Sarah and our team can answer all your questions to get you on track.