Self Managed Super Fund Loan

A property loan for Australians who wish to invest in residential properties through their Self Managed Super Fund. See how your SMSF can help fund your retirement.

Features & benefits of a Self Managed Super Fund Loan

Competitive interest rates
Invest in property using your SMSF
No monthly service fees
Dedicated Relationship Manager
SMSF Variable Rate
(Residential Security, Principal & Interest Payments)
From 5.87%p.a1

Product Details

Repayment Options
Principal & Interest
Interest Rate Type
Variable or Fixed
Repayment Frequencies
Monthly
Advance Payments
Yes
Redraw
No
100% Offset Accounts
No
Minimum Amount
$100,000
Maximum Term
25 years
Minimum Deposit (No LMI)
20-30%4
Interest Only Payments Available
No
Annual Fee
None
Approval Fee
$1,500
Documentation Fee
$1,045
Valuation Fees
At cost
Top Up Fee
N/A
Restructure Fee
N/A
Monthly Service Fee
None
Break Costs for Early Payout
May apply to fixed loans
Access Fee on Transaction & Savings Accounts
Yes2
SMSF Variable Rate
(Residential Security, Principal & Interest Payments)
From 5.87%p.a1
1 Year Fixed
(Principal & Interest)
4.64%p.a1
2 Year Fixed
(Principal & Interest)
4.64%p.a1
3 Year Fixed
(Principal & Interest)
4.74%p.a1
5 Year Fixed
(Principal & Interest)
5.34%p.a1

Important Information

The Self Managed Super Fund (SMSF) Loan is tailored to provide loans to trustees of authorised regulated Australian Self Managed Super Funds (SMSFs) to borrow for the purpose of purchasing residential property.3

It's important to consider that borrowing through your SMSF to invest in residential property can be a complex strategy. We require that you source independent Legal and Financial advice before applying.

Regional Australia Bank requires the trustee to be Corporate Trustees when borrowing to invest in property.

Have a question or want to get started?

Apply for home loan online

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Need help choosing a loan?

Get in touch with a Home Loan Specialist for advice. We're here to help from application to settlement.

Call us

We're available on 132 067 if you would like to apply over the phone or have a question.

Disclaimer

1 Interest rates are on a per annum basis and are current as of today's date and are subject to change.

2 No monthly Access Fee where the minimum monthly membership balance exceeds $5,000.

3 The Self Managed Super Fund Housing Loan is only available for purchases with residential security only and must be secured by a first registered mortgage over the property being purchased. It is not available for owner-occupied property, vacant land (unless rural acreage), specialised securities (pubs, motels and service stations etc.), renovations, repairs, credit increases, construction loans, second mortgages or low doc loans. We require that you seek your own financial, tax, and legal advice before borrowing to invest in super.

4 Minimum deposit is 30% for properties in towns with populations of 5,000 to 20,000 and 20% for properties in towns with populations over 20,000.

Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.