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Solutions for self-employed
Leverage the power of your super with an SMSF property loan
A Self-Managed Super Fund (SMSF) loan is a great option if you are not able to buy an investment property outright.
Liberty SuperCredit is a ready-made SMSF home loan that helps you to tap into your SMSF to help you buy that investment property for your future financial security.
Our SuperCredit loan is not limited by the size of your SMSF and there are no minimum contribution requirements. There is however a requirement for you to maintain a minimum amount within your SMSF after the settlement of your investment.
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Established House/Townhouse Rates*
| Rates from (per annum)# | Standard Variable Rate (SVR) | Comparison Rate** |
|---|---|---|
| LVR <60% | 4.35% | 4.79% |
| LVR <70% | 4.60% | 5.04% |
| LVR <80% | 4.85% | 5.28% |
Established Apartment Rates*
| Rates from (per annum)# | Standard Variable Rate (SVR) | Comparison Rate** |
|---|---|---|
| LVR <60% | 4.60% | 5.04% |
| LVR <70% | 4.85% | 5.28% |
| Features | Residential | Commercial |
|---|---|---|
| Maximum LVR | < 80% | < 80% |
| Maximum loan amount*** | $4,000,000 | $4,000,000 |
| Minimum loan amount | $100,000 | $100,000 |
| Principal & interest | ||
| Interest only**** | ||
| Redraw | ||
| Split Loans | ||
| Additional repayments | ||
| Repay weekly, fortnightly, monthly | ||
| Owner-occupier | ||
| Fixed rate options |
| Fees^ | ||
|---|---|---|
| Application fee | From $495 | From $795 |
| SMSF Review fee^^ | $695 | $695 |
| Valuation fee | Up to $330 | Varies |
| Establishment fee^^^ | N/A | From 1.00% |
| Documentation fee | Free | $695 |
| Settlement fee | Free | $595 |
| Ongoing fee (monthly) | $30 | $30 |
| Discharge fee^^^^ | From $395 | From $395 |
| Deferred Facility fee^^^^^ | N/A | From 1.00% |
Key Facts
Did you know?
SMSF loans can help you invest in residential or commercial property if you don’t have the funds in your SMSF to buy an investment property outright.
SuperCredit loans from Liberty are designed to work in harmony with your SMSF, enabling you to leverage the power of your super by tapping into our expertise in home finance and property investment.
Contact Liberty today to learn more about SMSF lending.
*For off the plan rates, fees and charges please call 13 11 33. #Quoted rates apply to principal and interest loans. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio.
**Comparison rates are based on a secured $150,000 loan over a 25-year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The rates and comparison rates displayed reference our residential SMSF loan only, other rates apply to our commercial SMSF loan.
For our SuperCredit Commercial rates, contact us on 13 11 33.
***Subject to LVR restrictions. ****Interest only loans maybe higher than advertised interest rate but for further information on this product call us on 13 11 33. ^Above fees and charges payable are based on AAA applications. ^^SMSF review fee of $695 applies for review of existing SMSF. ^^^The Establishment fee is calculated as a percentage of the loan amount and has a minimum fee of $2,500. Contact 13 11 33 for more information on fees and charges. ^^^^Discharge fee of $395 plus legal fees and government charges are due upon loan finalisation. ^^^^^Deferred Facility fee is calculated as a percentage of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement.