SMSF Residential Loan
Unlock the potential of your SMSF with a competitive rate on residential property loans.
SMSF Residential 70
-
Available for purchase or refinance -
No monthly, ongoing, or settlement fees
-
Unlimited additional repayments**
-
Split with fixed rate option available
Why choose our SMSF loan to finance your residential property?
SMSF lending for savvy investors
Unlimited additional repayments**
Zero monthly, ongoing, or settlement fees
Track & manage your loan conveniently
Who is loans.com.au?
Established in 2011, loans.com.au is one of Australia's first online lenders offering great value and award-winning car and home loans. Part of the Firstmac Group, Australia’s leading non-bank lender, we’re backed by four decades of expertise. Our Brisbane-based lending specialists have helped thousands of customers make confident decisions and save on their home and car buying journeys.
A self managed super fund loan that looks just like this
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.
Properties we can help finance through your SMSF
Thinking of buying property with your super? We’ll help you understand which homes, units, or commercial spaces your SMSF can finance without the confusion.
Residential
(Purchase or refinance)
Commercial
(Purchase or refinance)
Our home 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
Review and sign your mortgage documents and loan agreement via onTrack.
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.
Meet the team behind Australia's Home of Loans
We have a friendly team of Australian-based lending experts here to help you from application to settlement, so you can get a better loan and start savings thousands.
Steven
Customer reviews
Our Google Rating
Kathryn
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.