SMSF Loans
We can help finance your next SMSF residential or commercial investment property
SMSF Residential Loan
Investor. Principal & Interest. Up to 70% LVR.
SMSF Commercial Loan
Principal & Interest repayments. Up to 80% LVR.
4.6 Stars · 701 Google reviews
Why choose our SMSF loan to finance your investment 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
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.
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.
Our SMSF 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
Signing document
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.
Jack
Customer reviews
Our Google Rating
Kathryn
Lending Specialist
Talk with a real person about our SMSF loans
As an experienced lending specialist, Kathryn and our team can answer all your questions to get you on track.