Compare the Best SMSF Loans
Compare interest rates, fees, and features from Australia's leading SMSF lenders. Find the perfect loan for your self-managed super fund property investment.
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Compare SMSF Loans in 3 Easy Steps
Compare Interest Rates
Find the lowest rates from our panel of 9+ SMSF lenders
Multiple Lenders
Access loans from major banks and non-bank lenders
Calculate Repayments
See monthly interest costs based on your loan amount
Compare Features
Review LVR limits, fees, and special conditions
SMSF Loan Comparison
New, Off the Plan, existing property loans over $300k in value
| Lender | Interest Rate | Comparison Rate | Monthly Interest | LVR | Loan Fees | Rating | Action |
|---|---|---|---|---|---|---|---|
Best RateLoans.com.au LMI payable over 70% LVR |
6.99% |
7.12% | $2,912.50 | 70% (Individual & Corporate) | $720.00 | Cashback $500* |
Enquire |
Firstmac No LMI up to 80% LVR |
7.25% |
7.38% | $3,020.83 | 80% | $360.00 | Enquire | |
SMSF Loan Experts Fast approval process |
7.15% |
7.28% | $2,979.17 | 75% | $495.00 | Cashback $300* |
Enquire |
St George Bank Offset account available |
7.49% |
7.62% | $3,120.83 | 70% | $600.00 | Cashback $1,000* |
Enquire |
Westpac Package discounts available |
7.39% |
7.52% | $3,079.17 | 70% | $550.00 | Cashback $750* |
Enquire |
Lender Rates Management
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Understanding SMSF Loan Options and Interest Rates
SMSF loans come with various interest rate options, and understanding the differences is key to optimizing your investment:
Fixed vs. Variable Interest Rates
Fixed rates provide repayment certainty, while variable rates can offer lower interest but may fluctuate.
Loan-to-Value Ratio (LVR)
Lenders typically offer SMSF loans with an LVR ranging from 60% to 80%, affecting your initial deposit.
Offset Accounts
Some SMSF loans come with offset accounts that can reduce interest payments over time.
Prepayment Flexibility
Check if prepayments are allowed without penalties to save on interest over the loan term.
SMSF Loan Features Checklist
Ready to Find Your SMSF Loan?
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Important Notice: The interest rates and product information displayed on this page are for comparison purposes only and are subject to change without notice. All loans are subject to lender approval, credit assessment, and meeting eligibility criteria. Please contact us for the most current rates and product information. My SMSF does not provide financial advice; please consult with a licensed financial advisor before making any decisions.