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Guide to loans.com.au SMSF loans

With more self-managed super funds investing in property, non-bank lender loans.com.au offers competitive SMSF home loans.

By Denise Raward

Updated on 2 Jul 2025

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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

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Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Tags	Features	Link	Compare	Promoted Product	Disclosure
loans.com.au	loans.com.au Variable SMSF Loan P&I <70%	6.49% p.a.	6.51% p.a.	$3,157	Principal & Interest	Variable	$null	$230	70%	Investor Variable Principal & Interest 30% Min Deposit More details	Minimum 30% deposit needed to qualify Available for purchase or refinance No application, ongoing monthly or annual fees. Dedicated loan specialist throughout the loan application	More details	Compare	Promoted	Disclosure
loans.com.au	loans.com.au Fixed SMSF Loan P&I <80% (3 years)	6.64% p.a.	6.91% p.a.	$3,207	Principal & Interest	Fixed	$0	$230	80%	Investor Fixed 3 Years Principal & Interest 20% Min Deposit Extra Repayments More details		More details	Compare
loans.com.au	loans.com.au SMSF Commercial 80 INV	7.49% p.a.	–	$3,493	Principal & Interest	Variable	$null	$null	80%	Investor Variable Principal & Interest 20% Min Deposit More details		More details	Compare
loans.com.au	loans.com.au SMSF Commercial 80	7.49% p.a.	–	$3,493	Principal & Interest	Variable	$0	$490	80%	Owner Occupier Variable Principal & Interest 20% Min Deposit More details		More details	Compare
loans.com.au	loans.com.au Variable SMSF Loan P&I <80%	6.99% p.a.	7.01% p.a.	$3,323	Principal & Interest	Variable	$0	$230	80%	Rate will drop 0.25% on 3rd of June Investor Variable Principal & Interest 20% Min Deposit More details	Minimum 20% deposit needed to qualify Available for purchase or refinance No application, ongoing monthly or annual fees. Dedicated SMSF loan specialist throughout the loan application	More details	Compare	Promoted	Disclosure

Important Information and Comparison Rate Warning

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.

Benefits of loans.com.au SMSF loans

No application and settlement fees
No monthly or ongoing fees
No limit on extra repayments
Anytime access to the loan via Smart Money app

Loans.com.au SMSF Loan features

Can be used to purchase or refinance
Variable interest rate
Rate lock option
Principal & Interest (P&I) repayments
Minimum loan amount of $50,000
Maximum loan amount of $2 million
Loan terms from 15 to 30 years.
Option of additional free repayments for variable loans
Additional extra repayments up to $10,000 per year while loan is fixed
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 fees, no monthly fees, no annual fees, and no settlement fees, there are some fees that apply, including:

Legal fee - $490 (purchase only)
Security assessment fee - $230 (for metropolitan locations under $1 million only)
Rate lock fee - $350 (optional - for fixed rate loans only)

Note: Fees accurate as at 2 July 2025

Application process

Fill out 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.

Supporting 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: SMF borrowing explained

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 it SMSF loans are comparatively low fee.

For the growing number of SMSFs 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.

Image by Tyler Hendy via Pexels

Speak to an SMSF lending specialist

Whether you're looking to refinance or purchase investment property with your SMSF our partners can help you find the right SMSF home loan.

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Disclaimers

In the interests of full disclosure, Savings.com.au and loans.com.au are part of the Firstmac Group. To read about Savings.com.au manages potential conflicts of interest, along with how we get paid, please click through onto the web site links.

First published in July 2022

Denise Raward

Denise Raward is a senior journalist with an interest in macroeconomics, property, and personal finances. She has worked extensively across mainstream media organisations and lectured at Queensland University of Technology, Griffith University, and Bond University. She holds a Bachelor of Business - Communication, a Master of Arts, and RG 146 financial certification in Generic Knowledge, Securities, and Regulation. Joining Savings.com.au in January 2024, Denise strives to deliver financial information in everyday language to help Australians to better understand how to manage their own – and their families' – ongoing financial health.

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

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Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

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Guide to loans.com.au SMSF loans

Loans.com.au SMSF Loans

Taking out an SMSF loan through loans.com.au

Benefits of loans.com.au SMSF loans

Loans.com.au SMSF Loan features

Loans.com.au SMSF Loan fees