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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

Real-life customer stories

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Steven

Meet Steven, an awesome customer of ours who came to us when he wanted to refinance his SMSF investment property.

  • I wanted to refinance the apartment I owned through my investment property to get a better rate.

  • Quite good and honestly better than I was expecting. Communication was great and easy to get a hold of someone over the phone when needed. Customer service was great.

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Slide 1

Bryan

Meet Bryan, an awesome customer of ours who came to us when he wanted to finance an investment property through his SMSF.

  • I had been searching for an investment property around Brisbane for my SMSF for about 12 months. I had found properties in the past, but always identified a hitch (water damage, flood zone etc.)

  • While it wasn't all smooth sailing, loans.com.au got the job done against the odds. The resulting loan product is so much better than what was offered elsewhere and will save 10's of thousands of dollars over the life of the loan.

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Slide 1

Katrine

Meet Katrine, a fantastic customer of ours who came to us when she wanted to finance an investment property with her partner through their new SMSF.

  • Setting up the SMSF was a mission as we had to do it quite quickly, and we had bought an off-the-plan property and had to change the entity name, etc.

  • loans.com.au did everything to make things happen as quickly as possible and made sure I was very prepared with all the documentation.

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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

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

Our Google rating

4.5 515 reviews

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.

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 Commercial 70 7.19% p.a.^ -

Maximum LVR of 80%

Product Interest rate from Comparison rate
SMSF Commercial 80 7.49% p.a.^ -
SMSF Commercial 80 (Fixed 2 Years) 7.74% p.a.^ -
SMSF Commercial 80 (Fixed 3 Years) 7.79% p.a.^ -
SMSF Commercial 80 (Fixed 5 Years) 8.14% 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*^

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
$248,454
Most Popular

SMSF Commercial 70
Investor • Principal & Interest • Up to 70% LVR
Looking for a competitive SMSF commercial loan rate? loans.com.au has some of the most competitive SMSF commercial loan offers in the market.
Interest rate
7.19% p.a.
-% 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

Frequently asked questions

Yes. Your SMSF can buy any eligible commercial property that satisfies the sole purpose test, meets the definition of a business real property and satisfies the business use test.

Yes. You can lease the property to anyone, including your business, as long as the lease is done at market rates and the premise is used wholly and exclusively for business activities. 

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

Yes. When your super benefits are inadequate to buy a commercial property, your SMSF can borrow money to buy property via a bare trust and a Limited Recourse Borrowing Arrangement (LBRA).

Yes. Any property used wholly and solely for business can be transferred to your SMSF. Doing so must satisfy the sole purpose test of contributing to the retirement savings of SMSF members.

An LRBA lets an SMSF trustee borrow from a third-party lender like loans.com.au to buy a property held in a separate bare trust. If the loan defaults, the lender’s rights are limited to the property.

You cannot borrow money to fund major renovations, but they are allowed if funded using cash from your SMSF and the renovations satisfy the sole purpose test.

Yes. It is possible to sublet part of a commercial property owned by an SMSF if doing so satisfies the Sole Purpose Test and the SMSF trust deed allows the sublease under a separate lease agreement.

Please consult your financial adviser regarding specific requirements to ensure you are meeting the requirements of the SIS Act.

The sole purpose test sets the acceptable reasons for which a SMSF can operate, these being to provide member benefits only after retirement, on reaching retirement age or on their death.

Customer Picture

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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