Compare Australia's Best SMSF Lenders
Independent comparison of rates, fees, and features from all major SMSF lending specialists in Australia. Find the best SMSF loan for your property investment.
SMSF Lenders in Australia
Competitive rates for both residential and commercial SMSF loans
- Interest Rate From
- 6.54%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential, Commercial
- Application Fee
- $0
- Ongoing Fee
- $0 p.a.
- No application fees
- No ongoing fees
- Fixed and variable options
Established lender with competitive fixed rates
- Interest Rate From
- 6.69%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential
- Application Fee
- $0
- Ongoing Fee
- $0 p.a.
- No application fees
- No ongoing fees
- Purchase and refinance options
Flexible lending solutions with specialist SMSF team
- Interest Rate From
- 6.89%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential, Commercial
- Application Fee
- $995
- Ongoing Fee
- $395 p.a.
- Flexible lending criteria
- Specialist SMSF team
- Fast approvals
Higher LVR without Lenders Mortgage Insurance
- Interest Rate From
- 6.34%
- Maximum LVR
- 90%
- Minimum Deposit
- 10%
- Loan Types
- Residential
- Application Fee
- $0
- Ongoing Fee
- $0 p.a.
- No LMI required
- 90% LVR available
- Competitive fixed rates
High LVR options with flexible lending criteria
- Interest Rate From
- 6.99%
- Maximum LVR
- 90%
- Minimum Deposit
- 10%
- Loan Types
- Residential
- Application Fee
- $0
- Ongoing Fee
- $399 p.a.
- Up to 90% LVR with LMI
- Interest-only options
- Flexible repayment terms
Specialist in commercial SMSF lending
- Interest Rate From
- 7.24%
- Maximum LVR
- 60%
- Minimum Deposit
- 40%
- Loan Types
- Commercial
- Application Fee
- $0
- Ongoing Fee
- $395 p.a.
- Commercial property specialist
- Interest-only options
- Quick settlements
Non-bank lender with flexible criteria
- Interest Rate From
- 6.99%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential
- Application Fee
- $590
- Ongoing Fee
- $180 p.a.
- Flexible lending criteria
- Non-bank lender
- Interest-only available
Major bank with dedicated SMSF lending
- Interest Rate From
- 7.14%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential, Commercial
- Application Fee
- $600
- Ongoing Fee
- $350 p.a.
- Major bank backing
- Relationship banking
- Competitive rates
Established non-bank with SMSF expertise
- Interest Rate From
- 7.29%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential, Commercial
- Application Fee
- $995
- Ongoing Fee
- $395 p.a.
- Non-bank lender
- Flexible solutions
- SMSF specialists
Fast processing with broker support
- Interest Rate From
- 7.19%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential
- Application Fee
- $750
- Ongoing Fee
- $300 p.a.
- Quick approvals
- Broker-friendly
- Streamlined process
Digital-first approach to SMSF lending
- Interest Rate From
- 7.09%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential
- Application Fee
- $0
- Ongoing Fee
- $295 p.a.
- Online application
- Streamlined process
- Competitive rates
Award-winning SMSF lender - Best SMSF Lender 2024
- Interest Rate From
- 6.94%
- Maximum LVR
- 80%
- Minimum Deposit
- 20%
- Loan Types
- Residential, Commercial
- Application Fee
- $750
- Ongoing Fee
- $350 p.a.
- Award-winning service
- Residential and commercial
- Expert SMSF team
Frequently Asked Questions About SMSF Loans
What is an SMSF loan?
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.
What is the maximum LVR for SMSF loans?
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%.
Can I live in a property bought through my SMSF?
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.
What types of properties can I buy with an SMSF loan?
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.
How do SMSF loan interest rates compare to regular loans?
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.
What are the fees associated with SMSF loans?
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.