8 til 6 AEST
1300 826 393

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 PeopleReal StoriesReal Wins

Thumb 0 Thumb 1 Thumb 2
Slide 1

Steven

Verified review

Steven

Verified review

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.

Read story
Slide 2

Bryan

Verified review

Bryan

Verified review

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.

Read story
Slide 3

Katrine

Verified review

Katrine

Verified review

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.

Read story

Customer reviews

Our Google Rating

star-full star-full star-full star-full star-full
4.5/5
561 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 competitive rate

Repayment Type

Maximum LVR of 70%

Product Interest rate from Comparison rate
SMSF Commercial 70 6.94% p.a.^ -

Maximum LVR of 80%

Product Interest rate from Comparison rate
SMSF Commercial 80 7.24% 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 At cost
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
$266,354
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
6.94% 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

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.

Book a Call

Ready to start saving?

Book time with one of our dedicated SMSF lending specialists.

Arrange a call
TAP to chat!