SMSF Loans
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Residential SMSF loan

A ready-made solution to help you tap into your SMSF and invest in residential property.

Liberty Home loans

A loan that works in harmony with your SMSF

A residential SMSF loan can help you invest in property if you don’t have the funds in your SMSF to buy a property outright.

  • Low set-up cost

  • Maximum loan $4,000,0001

  • Borrow up to 80% of property value#

  • Rates from 7.25% p.a.# (7.65% p.a. comparison rate*)

Easy to understand features, variables and fees

Features

Maximum LVR 80%
Maximum loan amount1
$4,000,000
Minimum loan amount
$100,000
Principal & interest
Interest only2
Redraw
Split loans
Additional repayments
Repay weekly, fortnightly, monthly
Owner-occupier
Fixed rate options

Fees^

Application fee
From $495
SMSF Review fee4
$695
Valuation fee
Up to $330
Establishment fee
Free
Documentation fee
Free
Settlement fee
Free
Ongoing fee (monthly)
$30
Discharge fee6
From $395
Deferred facility fee7
N/A
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Liberty residential SMSF loan FAQs

  • A residential SMSF loan is a home loan used by a Self-Managed Super Fund (SMSF) to buy investment property. The returns on the investment are funnelled back into the SMSF to increase your retirement savings.

  • The amount you can borrow with a residential SMSF loan will depend on your financial situation. You might also need to maintain a minimum amount within your SMSF after the property purchase. This amount will vary depending on your individual circumstances.

  • If you have an SMSF and are considering taking out a mortgage to buy an investment property, you should first seek advice from your financial adviser or accountant. If you decide to go ahead, a mortgage broker can help you find the right SMSF loan for your needs and explore what other lending options may be available to you. And, if you’re new to SMSF lending, a broker can help to simplify the process and answer any questions along the way. To find out more, speak to a Liberty Adviser today.

  • A target market determination describes who a product may be suitable for, based on likely needs, objectives, and financial situation. It also outlines who can distribute our products, how they can do this, and examples of situations when we may need to review our products and the target market. To view the target market determination for this product, click here.

  • Some borrowers may have taken out SMSF loans when interest rates were higher, or their financial circumstances were different. In these situations, it is worth looking into refinancing your SMSF loan to see if there are better options available to suit your needs.

    Refinancing an SMSF loan is a different process than your typical refinance because of how unique their structure is. While it’s possible to refinance an existing SMSF loan, there are few lenders who provide SMSF loans for this purpose. As a specialist lender, Liberty has the flexibility and capacity to offer loans that traditional banks cannot accommodate – including SMSF loan refinances.

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Other loans you might like:

Commercial SMSF loan

Put your super to work in a commercial property investment.

  • Maximum loan $4M1
  • Suitable for owner-occupiers
  • No minimum contributions required
  • Borrow up to 80% of property value#

Rates per annum from#

7.95%

Find out more

Things you should know:

*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.

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio (LVR). The maximum LVR may vary depending on property type. Please call 13 11 33 or speak with your local Liberty Adviser for more details.

1Subject to loan to value ratio (LVR) restrictions.

2Interest only loans may be higher than advertised interest rate. For further information on this product call 13 11 33 or speak with your local Liberty Adviser.

^Higher fees may apply depending on our assessment of the application.

4SMSF review fee of $695 applies for review of existing SMSF.

6Discharge fee of $395 plus legal fees and government charges are due upon loan finalisation.

7Deferred 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.