SMSF Residential Property Loans

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There are two great options for your SMSF to borrow

  1. Unlock the equity in your home to effectively use your SMSF to borrow and leverage into property. These structures seem complex at first, but with the right advice... the process is very simple indeed. In this case, the loan rates and features are the same as our Standard Home Loan.
  2. Limited Recourse Loans. Refer to the video below for an explanation. (The maximum LVR for Limited Recourse Loans is 75%, plus Lenders Mortgage Insurance will be required.)

Notes:

  • Not available if using commercial property as security
  • First Option requires applicants to seek independent financial and legal advice before committing to a property purchase.
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Limited Recourse Loan to SMSFs
Interest Rate LVR up to 60 percent
Variable interest rate4.99% pa
Interest Rate LVR 60 up to 75 percent
Variable interest rate5.24% pa
Fees
Establishment Fee$600 
Valuation fees payable?Yes 
Annual Fee$0 
Monthly Fee$0 
Redraw Fee$10 
Features
Rate Lock GuaranteeYes 
Repayment TypePrincipal and Interest
Maximum LVR75%
Minimum Amount$5000 
Maximum Amount$500000 
Minimum Term in Years1 
Maximum Term in Years30 
Redraw FacilityYes 
Offset AccountYes 
Additional Repayments AcceptedYes 
Access
Branch AccessYes 
ATM/EFTPOS AccessNo