SMSF home loan

Use an SMSF property loan to:

Purchase a single residential investment property

Who is eligible to apply?

Australian residents:

  • With an existing SMSF
  • In the process of establishing an SMSF

Features at a glance

  • Purchase residential investment property – borrow through your SMSF to buy property to be held in trust for the duration of the loan.
  • Protect your fund’s other assets – if the loan goes into default, rights of recovery are limited to the secured property (and any additional security provided by the guarantors).
  • Repay with rental income, SMSF investments or contributions – income from rent, other SMSF investments and super contributions can all be used to demonstrate serviceability and repay the loan.
  • Integrate with your existing SMSF – the loan structure is designed to easily integrate with most SMSFs.

Key features

Accounts Maximum of 2
Principal and interest Yes
Interest only Up to 5 years
Option to fix (terms 1-5 years) Yes
Additional payments must be made by the SMSF.
Only accepted from the approved repayment.
Additional payments on fixed loans Up to 5% each year without additional fees.
Additional payments must be made by the SMSF.
Redraw No
Accounts Maximum of 2
Offset account No

Lending guidelines

Security First registered mortgage only
Loan purpose Investment only
SMSF minimum net asset position prior to purchase $200,000
Minimum loan amount $150,000
Maximum loan amount $1,000,000
Mortgage insurance Lender pays
Maximum LVR 80% (P&I only where LVR > 70%)
smsf-artwork

AFG Home Loans Icon™ products are provided by Macquarie Bank Limited ABN 46 008 583 542 (MBL) Australian Credit Licence 237502 and promoted by AFG Home Loans Pty Ltd ABN 26 153 255 559 Australian Credit Licence 411913. The AFG Home Loans Icon information on this website was prepared and issued by MBL.

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