Build wealth & grow your retirement investment power with our SMSF loans.
Potentially save thousands of dollars through our specialised SMSF loan program whether you have an existing loan or are thinking of investing through your SMSF.
- New purchases up to 90% LVR
- Stress-free refinance with SMSF loan experts that will save $$$ thousands off your current rates
- Faster turnaround – Reduced document requirements for refinances
- Available for both commercial and residential properties
- Tailored service & free comprehensive comparison analysis
- Offset accounts available on all SMSF loans
- Interest Only available on new purchases up to 80% LVR
*All calculations are based on individual circumstances – your returns may vary. Consult with our loan specialists to get an accurate calculation of your returns.
Request a FREE Comparison Analysis
Ask our loan specialists to provide you with a free personal comparison analysis to see how much you can save.
Chat with Our SMSF Lending Specialists
We’ll help you understand how an SMSF investment can work for you.
See How an SMSF Loan Can Help You Build Wealth
Get clear on how an SMSF loan can help you achieve your financial goals faster.
Compare Savings with An SMSF Loan
We’ll complete an analysis on the best loans to see how much you can save in $$ and time to pay down your mortgage faster.
Get Pre-Approved with A Quick & Easy Application
We’ll help you apply for an SMSF loan structured to benefit you.
Grow your Financial Future with Our Specialised SMSF Lending Program
Our specialised loans for SMSF investors offer the lowest competitive rates, full features and maximum flexibility. Our personalised service comes with no fees, no charges and no obligation.
Lower Interest Rate
Lower Principal & Interest and Interest Only rates for residential and commercial SMSF investors.
Featured Packed Loans
Our loans offer comprehensive benefits, including online access, early repayment options, and a 100% offset feature.
Tailored Service & Expertise
Free Comprehensive Personalised Analysis. Assess your SMSF borrowing capacity and create the best structure at the best rates.
Frequently Asked Questions
What is a SMSF home loan?
A SMSF home loan is a mortgage that allows a self-managed superannuation fund (SMSF) in Australia to purchase residential or commercial property as an investment.
Who can apply for a SMSF home loan?
SMSF trustees can apply for a SMSF home loan, provided they meet certain eligibility criteria and comply with SMSF regulations.
What types of properties can I purchase with a SMSF home loan?
SMSF home loans can be used to purchase residential properties, such as houses, apartments, or townhouses, but not for residential properties that will be used for personal purposes. Commercial properties can also be purchased with an SMSF loan, these can be occupied by the related parties of the SMSF, as long as market rent is paid.
How much can I borrow with a SMSF home loan?
The amount you can borrow with a SMSF home loan depends on your SMSF’s financial position, the lender’s policies, and the property’s value. Generally, SMSFs can generally borrow up to 80% of the property’s value, however, at Tradies Finance we can lend up to 90% on residential and 80% on commercial properties.
What are the interest rates for SMSF home loans?
Interest rates for SMSF home loans vary depending on the property type, the LVR, and market conditions. Rates may be fixed or variable.
Are there any restrictions on renovating properties purchased with an SMSF home loan?
Yes, there are restrictions. Renovations or improvements are not allowed on properties within an SMSF. Any work done on a property can only be done if considered repairs.
Can I live in a property purchased with an SMSF home loan?
No, you cannot live in a property purchased with an SMSF home loan. The property must be solely for investment purposes until you reach retirement age. You can however occupy a commercial premises as long as market rent is paid.
How do I apply for a SMSF home loan, and what documentation is required?
You can apply for these loans through Tradies Finance as we are experienced in SMSF lending and have specialists in this area on hand to help you. Required documentation typically includes financial statements and details of any existing mortgages.
Request a call back to discuss how an SMSF loan can work for you
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