SMSF Loan

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

Rates from
4.70
%
variable rate p.a.
5.18
%
comparison rate p.a.**
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 free, unlimited additional repayments on our SMSF loan without being penalised. This mean 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 70% LVR

We can help you purchase with a 30% deposit. No Lenders Mortgage Insurance (LMI) applies.

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What we offer

Yard’s Self-Managed Super Fund (SMSF) Loan can help your SMSF purchase or refinance a residential investment home.

Rates from
4.70
%
variable rate p.a.
5.18
%
comparison rate p.a.**
Rates from
2.91
%
variable rate p.a.
2.94
%
comparison rate p.a.**
Borrower Type
SMSF trustee
Acceptable property
Established dwellings
Apartments
Interest rate type
Variable

Loan size
$150,000 min
$700,000 max
Loan term
30 years
Max LVR
Up to 70%
Repayment frequency
Weekly
Fortnightly
Monthly
Repayment types
Principal & interest

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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?

The loan repayment type is Principal & Interest. Interest Only options are currently not available. You can make unlimited additional repayments and use our optional 100% offset facility feature to save on interest.