- loans.com.au offers SMSF loans for the purchase or refinance of residential and commercial properties.
- The non-bank lender's SMSF loans come with no application, ongoing, or settlement fees.
- SMSF loans from loans.com.au include variable and fixed rate options, with LVRs up to 80% (depending on the product).
loans.com.au was founded in 2011 as one of the first lenders in Australia offering online home loans. The fully digital brand is backed by Firstmac, one of Australia's largest non-bank lenders, with the aim of providing some of the most competitive home and car loans on the market.
Ten years later, loans.com.au added specialist SMSF loans to its product portfolio, initially to SMSF refinancers and later to those also looking to purchase properties, both residential and commercial.
Today, its SMSF loans are among the most competitive on the market.
loans.com.au SMSF loans
| Lender | Home Loan | Interest Rate | Comparison Rate* | Monthly Repayment | Repayment type | Rate Type | Offset | Redraw | Ongoing Fees | Upfront Fees | Max LVR | Lump Sum Repayment | Extra Repayments | Split Loan Option | Tags | Features | Link | Compare | Promoted Product | Disclosure |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
6.94% p.a. | 6.96% p.a. | $3,306 | Principal & Interest | Variable | $0 | $230 | 70% | Disclosure | ||||||||||||
7.29% p.a. | 7.27% p.a. | $3,424 | Principal & Interest | Fixed | $0 | $230 | 80% | |||||||||||||
7.74% p.a. | – | $3,579 | Principal & Interest | Variable | $0 | $490 | 80% | Disclosure | ||||||||||||
7.24% p.a. | 7.26% p.a. | $3,407 | Principal & Interest | Variable | $0 | $230 | 80% | Disclosure |
See also: SMSFs vs retail & industry super funds
Taking out an SMSF loan through loans.com.au
loans.com.au's operations are well established in handling the often more complex assessment, approval, and loan set-up processes for SMSF loans.
Many major lenders don't deal in SMSF lending, likely due to the extra legwork required and the additional risk in not having access to other fund assets. However, this hasn't stopped SMSFs from seeking the benefits of investing in property in recent times.
Australian Taxation Office (ATO) data shows SMSF asset allocation for residential property grew more than 26% from 2021-24 and 25% for non-residential property over the same time period.
Change to SMSF borrowing rules
In June 2026, the federal government announced SMSFs would no longer be allowed to borrow to purchase residential property.
SMSFs with existing residential loans can still refinance if needed. They can also purchase residential property outright, without finance.
SMSF borrowing for the purchase of commercial properties is unaffected by the changes.
See also: How to buy property through an SMSF in Australia
Benefits of loans.com.au SMSF loans
- No application and settlement fees
- No monthly or ongoing fees
- No limit on extra repayments (variable rates)
- Anytime access to the loan via Smart Money app
Key features of loans.com.au SMSF loans
- Can be used to purchase or refinance
- Variable interest rate
- Fixed interest rate
- Rate lock option
- Principal & Interest (P&I) repayments
- Minimum loan amount – $50,000
- Maximum loan amount – $2 million
- Loan terms – 15 to 30 years
- Unlimited additional repayments for variable loans
- Additional extra repayments up to $10,000/year for fixed loans
- Choice of weekly, fortnightly or monthly repayments
- Maximum loan-to-value ratio (LVR) of 80%
loans.com.au SMSF loan fees
While loans.com.au's SMSF loans come with no application, ongoing, and settlement fees, there are some charges that may still apply, including:
- Legal fee – $490 (purchase only)
- Security assessment fee - $230 (for metropolitan locations under $1M only)
- Rate lock fee - $350 (optional, for fixed rate loans only)
- Government fees – At cost
Fees accurate at the time of writing and may be subject to change.
How to apply with loans.com.au
- Fill out a loan application online or speak to a lending specialist via telephone for assistance completing the application.
- A lending specialist will be in touch over the phone at an appointed time to finalise the application details.
- Upload required documents via the OnTrack app which will also track the application progress.
- Receive final approval, mortgage documents, and loan agreement via OnTrack for signing and return.
- Your loan will settle.
Required documents
Some documents you'll likely need to provide include:
- Your recent super fund statement/s evidencing contributions, cash, investments, rental income, etc.
- Evidence of independent legal advice
- Certified copies of SMSF Property Trust Deed
- Six months of statements (for any loan being refinanced)
See also: SMSF borrowing explained
loans.com.au’s industry accolades
Since 2014, loans.com.au has garnered consistent recognition across Australia’s most respected financial awards, affirming its commitment to competitive rates, innovative solutions, and top-tier customer service.
Latest highlights:
- In 2026, loans.com.au bagged multiple wins across home and car loan categories.
- Also in 2026, loans.com.au was named the winner of Outstanding Value in Variable Home Loans and Best Value Investment Loan (Non-Bank) awards.
- loans.com.au was among the finalists in the Best Lending Innovation - SMSF category in 2025.
List loans.com.au’s awards and recognitions
The non-bank lender’s award-winning offerings reinforce its reputation for delivering value without compromise.
What customers are saying about loans.com.au’s SMSF loans
I wanted to buy a property through my SMSF and, initially, I was navigating that process with the mortgage broker who had helped us with our home.
I decided to do my due diligence and just make sure that the product that they were recommending was absolutely the best product out there.
I was on the computer late one evening and I came across loans.com.au with their very-low interest rate and, once I worked out the figures and annualised it, that was way better than what the broker had recommended. I contacted the broker and they said they couldn't beat it.
This was our first time doing a loan entirely online, and while I initially had some doubts, the platform was incredibly clear and easy to use. We always knew exactly what was needed and when.
Communication was spot-on, and the documentation team was exceptionally prompt – documents were checked and approved within a day, which is a big contrast to other experiences we’ve had.
Thanks to loans.com.au, we were able to act quickly, buy the property, and set our business up for the long-term.
Savings.com.au's two cents
With the pool of SMSF lenders shrinking over recent years, loans.com.au has emerged as a stayer within this market sector.
Its processes and lending team are experienced in handling the extra steps inherent in the more complex SMSF lending procedures that may have scared away larger banks. Despite the drop in competition, loans.com.au's interest rates remain competitive and its SMSF loans are comparatively low fee.
For the growing number of super funds keen to add property to their asset allocations, loans.com.au is well worth considering for SMSFs comparing their borrowing options.
In the interests of full disclosure, Savings.com.au and loans.com.au are both associates of Firstmac.
Frequently Asked Questions
SMSF loans offered by loans.com.au are available in variable rates and fixed rates, with an option to ‘lock’ the rate at the time of the loan application (for fixed rates only) for a fee.
The maximum loan-to-value ratio (LVR) loans.com.au offers for SMSF loans is up to 80%, depending on the loan product selected and property type.
Yes, loans.com.au offers both variable and fixed-rate SMSF loan options.
- Variable-rate SMSF loans feature flexibility with unlimited additional repayments.
- Fixed-rate SMSF loans are available in 2-, 3-, or 5-year terms, typically at the 80% LVR level.
No, you don’t need to engage a mortgage broker to access an SMSF loan from loans.com.au. Clients can apply directly online or book an appointment to speak with a lending specialist from the lender.
Yes, 80% of rental income from the SMSF-invested property is typically considered when calculating borrowing capacity.
