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Looking to buy an investment using a self managed super fund?

Using a self-managed superannuation fund (SMSF) for real estate investment is quite common and for good reason. Investing in property is relatively low risk compared to other investment options. Property investment can provide you with a plethora of benefits such as reduced capital gains tax, negative gearing, and increased purchasing power.

An SMSF loan lets you use your SMSF to buy an investment property through a loan. Your superannuation contributions will go towards paying for the investment property loan. With an SMSF, the expenses for the property investment will be paid for by the fund. No need for any out-of-pocket expenses.

Since you’ll be tapping into your SMSF, you won’t have immediate access to any rental income or capital gains. The profit you get from properties you buy through an SMSF loan can be reinvested or accessed only when you retire.

 

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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 sooners with unlimited extra repayments.

A win for you.

No application and settlement fee. No monthly or ongoing fees.

SMSF loan eligibility

Arrange a call

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
guide picture
FREE GUIDE

Guide to buying a investment property through your SMSF

If you’re thinking about leveraging your SMSF to invest in property, applying for low-rate loan is real easy.

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.

Reference guide

Real-life customer stories

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Slide 1

Clayton

Meet Clayton, an industrial chemist, and father of two who borrowed to buy an investment property through his SMSF fund.

  • I run my own super fund and I was looking to buy an apartment through the super fund as an investment but one that I could also see myself moving into 30 years down the track when I retire.

  • I searched the internet and I found that loans.com.au do self-managed super fund lending and your interest rate was unbeatable. I made a phone call and I got the pre-approval for a loan over the phone in less than an hour.

Read story View all
Slide 1

Peta

Meet Peta, an awesome customer of ours who came to us when she wanted to refinance an investment property held by her Self-Managed Super Fund (SMSF)

  • I run my own conveyancing business in Sydney called the Property Xchange and my husband also works in real estate. We are experienced property investors.

  • The team was very, very good. Even the loan approval process and the communication were great the whole way through and I felt like it ran very smoothly. Looking back, refinancing was a big saving for us.

Read story View all

What other customers are saying

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

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“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!„

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10 Jun 2025

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“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.

Frequently asked questions

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.

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.

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.

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.

Who is loans.com.au?

loans.com.au is a proudly Australian, award-winning online lender based in Brisbane. Since we were founded in 2011, we have grown to become an industry leader with thousands of happy customers in every state and territory. We are powered by the strength of Firstmac, Australia’s leading non-bank lender.

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Konnie

Lending Specialist

Talk with a real person about our SMSF loans.

As an experienced lending specialist, Konnie and our team can answer all your questions to get you on track.

Let's talk

Ready to start saving?

Book time with one of our dedicated SMSF lending specialists.

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