Self Managed Super Fund Loan

Take control of your future by using your SMSF to borrow and invest in residential, commercial and rural property

Features & Benefits

Competitive interest rates
Invest in property using your SMSF
No monthly service fee
Dedicated Relationship Manager
SMSF Variable Rate
(Commerical/Rural, Principal & Interest Payments)
From 7.18%p.a1

Product Details

Repayment Options
Principal & Interest
Minimum Amount
$100,000
Maximum Term
25 years Residential Security
15 years Commercial or Rural Security
Advance Payments
Yes
Repayment Frequency
Monthly
Minimum Deposit (No LMI)
20%-30% Residential Security4
35% Commercial Security
40% Rural Security
Interest Rate Type
Variable or Fixed
Redraw
No
Interest Only Payments Available
No
Annual Fee
None
Approval Fee
$1,500
Documentation Fee
$1,045
Valuation Fee
At cost
Top Up Fee
N/A
Restructure Fee
N/A
Monthly Service Fee
None
Break Costs for Early Payout
May apply to fixed loans
Access Fee on Transaction & Savings Accounts
Yes2
SMSF Variable Rate
(Commerical/Rural, Principal & Interest Payments)
From 7.18%p.a1
Other Interest Rates
Contact our Commercial Lending Team for details

Important Information

The Self Managed Super Fund (SMSF) Loan is tailored to provide loans to trustees of authorised regulated Australian Self Managed Super Funds (SMSFs) to borrow for the purpose of purchasing residential property.3

It's important to consider that borrowing through your SMSF to invest in property can be a complex strategy. We require that you source independent Legal and Financial advice before applying.

Regional Australia Bank requires the trustee to be Corporate Trustees when borrowing to invest in property.

Disclaimer

1 Interest rates are on a per annum basis and are current as of today's date and are subject to change.

2 No monthly access fee where the minimum monthly membership balance exceeds $5,000

3 The Self Managed Super Fund Housing Loan is only available for residential, commercial and rural property purchases for investment purposes only and must be secured by a first registered mortgage over the property being purchased. It is not available for owner-occupied property, vacant land (unless rural acreage), specialised securities (pubs, motels and service stations etc), renovations, repairs, credit increases, construction loans, second mortgages or low doc loans. We require that you seek your own financial, tax, and legal advice before borrowing to invest in super.

4 LVR is 70% for properties in towns with populations of 5,000 to 20,000; 80% for properties in towns with populations over 20,000.


Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges for full details.
Please refer to the Product Details when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.