SMSF Loan Comparison
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.
9+ Lenders
23+ Products
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Free Borrowing Assessment
No obligation. All interest rates are conditional.
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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
Last updated: 3 March 2025
Lender
Interest Rate
Comparison Rate
Monthly Interest
LVR
Loan Fees
Rating
Action
Best RateLoans.com.auLMI payable over 70% LVR
6.99%
7.12%
$2,912.50
70% (Individual & Corporate)
$720.00
Cashback $500*
Enquire
FirstmacNo LMI up to 80% LVR
7.25%
7.38%
$3,020.83
80%
$360.00
Enquire
SMSF Loan ExpertsFast approval process
7.15%
7.28%
$2,979.17
75%
$495.00
Cashback $300*
Enquire
St George BankOffset account available
7.49%
7.62%
$3,120.83
70%
$600.00
Cashback $1,000*
Enquire
WestpacPackage discounts available
7.39%
7.52%
$3,079.17
70%
$550.00
Cashback $750*
Enquire
*For loans over $300,000 in value, only for existing and off plan property. Lender and broker fees may apply. Rates shown are indicative and subject to change. Please contact us for the most current rates.
Lender Rates Management
Are you a My SMSF staff member? Update lender rates and product information directly in our CRM system.
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
Minimum SMSF balance requirements
Property type restrictions
Loan term options (up to 30 years)
Interest-only periods available
Redraw facilities
Portability options
Split loan capabilities
Ready to Find Your SMSF Loan?
Let our experts help you navigate the SMSF lending landscape and find the best loan for your needs.
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.
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.
Free Borrowing Assessment
No obligation. All interest rates are conditional.
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
Are you a My SMSF staff member? Update lender rates and product information directly in our CRM system.
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?
Let our experts help you navigate the SMSF lending landscape and find the best loan for your needs.
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.