SMSF Loan

Purchase or refinance a residential investment property through your Self-Managed Super Fund (SMSF).

Rates from
3.59
%
variable rate p.a.
4.06
%
comparison rate p.a.**
SMSF P&I loan with LVR ≤60%
Rates from
2.29
%
variable rate p.a.
2.32
%
comparison rate p.a.**
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Our features

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.

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Discover our low SMSF interest rates

Repayment type
Rates
Rates
≤ 60% LVR
3.59
%
variable p.a.
4.06
%
comparison p.a.
≤ 70% LVR
4.10
%
variable p.a.
4.56
%
comparison p.a.
≤ 80% LVR
4.39
%
variable p.a.
4.84
%
comparison p.a.
Fees
Features
Borrower Type
SMSF trustee
Acceptable property
Established dwellings
Apartments
Interest rate type
Variable

Loan size
$150,000 min
$1,000,000 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. 0.50% loading applies for apartments above 70% LVR. 0.30% loading applies for regional locations.
Rates
Rates
≤ 60% LVR
4.09
%
variable p.a.
4.55
%
comparison p.a.
≤ 70% LVR
4.60
%
variable p.a.
5.05
%
comparison p.a.
≤ 80% LVR
-
variable p.a.
-
comparison p.a.
Fees
Features
Borrower Type
SMSF trustee
Acceptable property
Established dwellings
Apartments
Interest rate type
Variable

Loan size
$150,000 min
$1,000,000 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. 0.50% loading applies for apartments above 70% LVR. 0.30% loading applies for regional locations.

What our customers say...

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Frequently asked questions

How does the Yard SMSF loan work?

The Yard SMSF Loan is a home loan used by a self-managed super fund (SMSF) to buy residential 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 house, town house or a unit
•  You cannot purchase vacant land or do construction within your SMSF
•  Equity cash out or redraw are not available loan features

What types of property are acceptable?

Standard residential investment house, unit or townhouse. Some exclusions include:
•  Vacant Land
•  Construction
•  Purchase or refinance of owner-occupied properties
•  Non arms-length transactions

The Yard SMSF loan is currently not available for the purchase of commercial investment property.

Does Yard require personal guarantees?

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

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.