An SMSF loan is a specialized home loan that allows you to borrow money through your self-managed super fund to purchase investment property. The property must be held in a separate trust and rental income goes back into your super fund.

Most SMSF lenders offer up to 80% LVR (requiring a 20% deposit), though some lenders like WLTH and Resimac offer up to 90% LVR. Commercial SMSF loans typically have lower LVRs, around 60-70%.

No, you cannot live in a property purchased through your SMSF until you're in the pension phase and have met certain conditions. The property must be used solely as an investment to benefit your super fund members.

You can purchase residential investment properties or commercial properties through an SMSF loan. The property must be an arm's length transaction and cannot be purchased from related parties.

SMSF loan interest rates are typically 0.5% to 1.5% higher than standard investment property loans due to the additional complexity and regulatory requirements involved in SMSF lending.

SMSF loans may have application fees ranging from $0 to $995 and ongoing annual fees from $0 to $399. Some lenders also charge establishment fees, valuation fees, and legal fees for setting up the loan structure.