Self Managed Super Fund Loan

A property loan for Australians who wish to invest in residential properties through their Self Managed Super Fund. See how your SMSF can help fund your retirement.

Features & benefits of a Self Managed Super Fund Loan

Competitive interest rates
Invest in property using your SMSF
No monthly service fees
Dedicated Relationship Manager
SMSF Variable Rate
(Residential Security, Principal & Interest Payments)

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 a property.2

As borrowing in your SMSF is a complex process, we will require you to seek independent legal and financial advice before applying. Regional Australia Bank will also require the trustee to be corporate trustees when borrowing in your SMSF.

SMSF Loans for Commercial and Rural properties are also available. Please see Self Managed Super Fund Loans for further details.

Product Details

Target Market Determination
Repayment Options
Principal & Interest
Interest Rate Type
Variable or Fixed
Repayment Frequencies
Advance Payments
100% Offset Accounts
Maximum Term
25 years
Minimum Deposit (No LMI)
Interest Only Payments Available
Annual Fee
Approval Fee
Documentation Fee
Valuation Fees
At cost
Top Up Fee
Restructure Fee
Monthly Service Fee
Break Costs for Early Payout
May apply to fixed loans
Access Fee on Transaction & Savings Accounts
SMSF Variable Rate
(Residential Security, Principal & Interest Payments)
1 Year Fixed
(Principal & Interest)
2 Year Fixed
(Principal & Interest)
3 Year Fixed
(Principal & Interest)
5 Year Fixed
(Principal & Interest)

Helpful Calculators

Home Loan Repayments Calculator

Compare Loans Calculator

Borrowing Power Calculator

Family playing in front yard

Want to know more about home loans?

We know the home loan process can be confusing at times, but at Regional Australia Bank we like to make the complex, simple.

We've simplified and compiled a list of questions we frequently get asked about, such as "How much deposit do I need?" or "What's the difference between a variable and fixed rate?"

Be sure to check out our Frequently Asked Questions to learn more.


1 Interest rates are on a per annum basis and are current for new loan contracts as of today's date and are subject to negotiation.

2 The Self Managed Super Fund Housing Loan is only available for purchases with residential security 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.

3 Minimum deposit is 30% for properties in towns with populations of 5,000 to 20,000 and 20% 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, Conditions of Use and Target Market Determination when considering if this product is right for you.
Regional Australia Bank Ltd is the issuer of the product.