SMSF Loan

Purchase and refinance an investment property through your Self-Managed Super Fund (SMSF).

Rates from
7.25
%
variable rate p.a.
7.64
%
comparison rate p.a.*
SMSF P&I loan with LVR ≤60%. Terms & Conditions apply
Rates from
7.75
%
variable rate p.a.
8.13
%
comparison rate p.a.**
SMSF P&I loan with LVR ≤60%. Terms & Conditions apply
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get started with an SMSF loan

Our local expert team is here to help with any questions

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Our SMSF Loan features

Purchase and refinance

We can help you purchase a residential or commercial property within your SMSF. We can also help you refinance to obtain a better rate or new loan features on your existing SMSF loan.

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Unlimited additional repayments

You can make unlimited additional repayments on our SMSF loan. This means that you can pay off your loan faster than the agreed term and save on interest.

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Optional 100% Offset Facility

Having an offset account linked to your loan allows your SMSF savings to lower the amount of interest you pay on the home loan.

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Up to 80% LVR

We can help you purchase with a 20% deposit. No Lenders Mortgage Insurance (LMI) applies for loans up to 80% loan-to-value ratio.

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Discover our low SMSF interest rates

Property type
Rates
Principal & interest rates
≤ 60% LVR
7.25
%
variable p.a.
7.64
%
comparison p.a.
≤ 70% LVR
7.25
%
variable p.a.
7.64
%
comparison p.a.
≤ 80% LVR
7.55
%
variable p.a.
7.94
%
comparison p.a.
Fees
Features
Borrower Type
SMSF trustee
‍
Acceptable property
Established dwellings
Apartments
Interest rate type
Variable

Loan size
$150,000 min
$3,000,000 max
Loan term
30 years
Max LVR
Up to 80%
Repayment frequency
Weekly, fortnightly, monthly
Repayment types
Principal & interest
Interest only
LVR refers to loan to value ratio at loan approval. Interest rate loading applies for properties located in inner city, high density and regional postcodes.
Rates
Principal & interest rates
≤ 60% LVR
7.75
%
variable p.a.
8.13
%
comparison p.a.
≤ 70% LVR
7.75
%
variable p.a.
8.13
%
comparison p.a.
≤ 80% LVR
8.05
%
variable p.a.
8.43
%
comparison p.a.
Fees
Features
Borrower Type
SMSF trustee
‍
Acceptable property
Offices, Retail,
Factories, Warehouses,
and others
Interest rate type
Variable

Loan size
$150,000 min
$2,500,000 max
Loan term
30 years
Max LVR
Up to 80%
Repayment frequency
Weekly, fortnightly,
monthly
Repayment types
Principal & interest
Interest only
LVR refers to loan to value ratio at loan approval. Interest rate loading applies for properties located in inner city, high density and regional postcodes.

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Frequently asked questions

What is a self-managed super fund (SMSF) loan?

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 investment property. SMSF can invest in residential or commercial property.
‍
The ATO has specific rules that apply to property investment in an SMSF, and you need to comply with these, including that the property:
•  Is solely for providing retirement benefits to SMSF members, otherwise known as the ‘sole purpose test’.
•  Cannot be purchased from a related party of an SMSF member.
•  Cannot be lived in by you or other SMSF members or their related parties.
•  Cannot be rented by an SMSF member or anyone related to them.
‍
On a technical note you should also be aware that ATO rules state that SMSF can only purchase an asset - like an investment property - using a 'limited recourse borrowing arrangement' (LRBA). An SMSF loan is a LRBA, which is thereto protect other assets held by the fund.

For more information, read our SMSF Loan Guide or talk to one of our experts.

How does the Yard SMSF loan work?

The Yard SMSF Loan is a property loan used by a self-managed super fund (SMSF) to buy residential or commercial investment property. The returns of the investment (rental income or capital gains on the value of the property) are then retained within the super fund to boost your retirement savings. 

The SMSF loan works in a similar way to an investment loan but there are several differences you should be aware of: 
•  Loans must be supported by personal guarantee(s) required from all members/beneficiaries of the SMSF.
•  The security property should be an established residential or commercial property. Brand new builds are acceptable.
•  You cannot purchase vacant land or do construction within your SMSF.
•  Equity cash out or redraw are not available loan features.

How much can an SMSF borrow to buy property?

The SMSF borrowing power is determined based on the superannuation contributions, rental income of the investment property and on-going SMSF expenses. Typically, you can borrow up to 80% of the value of the property - this means you would require to contribute 20% deposit towards your purchase.

Can I refinance an SMSF loan?

Some borrowers will have taken out an SMSF loan that is no longer on a competitive interest rate. In this case, it is worth exploring refinancing your SMSF loan to a lender with a lower interest rate or a product that has features that better suit your needs. As a fully-featured lender, Yard offers low rate SMSF loans with all the bells-and-whistles including unlimited additional repayments and 100% offset facility. Ask us about refinancing your SMSF loan today.

What types of property are acceptable?

Residential SMSF
‍
Standard residential investment house, unit/apartment or townhouse.
Some exclusions include:
•  Vacant Land
•  Construction
•  Purchase or refinance of owner-occupied properties
•  Non arms-length transactions
‍
Commercial SMSF
‍
Examples of acceptable commercial property include:
•  Strata offices and showrooms
•  Retail outlets (e.g. shops, restaurants)
•  Industrial factories and warehouses
•  Medical suites
•  Childcare centres, and others

Do you require leftover funds in the SMSF after the property purchase?

Yard currently has products that do not require a set amount of funds to be leftover in the SMSF after a property purchase. This is also referred to as a liquidity requirement. You can book a call with one of our Loan consultants who will discuss your financial situation and determine whether a liquidity requirement applies.

What loan repayment types are available?

Principal & Interest and Interest Only options are available. You can make unlimited additional repayments and use our optional 100% offset facility feature to save on interest.

Does Yard require personal guarantees?

Yes, loans must be supported by personal guarantee(s)required from all members/beneficiaries of the SMSF.