SMSF home loans from 5.99% p.a. variable, with 90% LVR specialist programs for trustees buying residential investment property. Compare rates, deposit requirements and tax outcomes for your fund in seconds.
*SMSF home loan rates as at May 2026. Subject to LVR, fund balance and contribution history.
Borrowing power, repayments, projected rental income and side-by-side personal vs SMSF tax – live, with no signup required.
Australia-wide · Updated for FY 2026
Total funds currently held in your self-managed super fund.
Combined concessional + non-concessional contributions per year.
Estimated purchase price of the SMSF investment property.
Australian state where the property is located, sets the stamp duty rate.
% of the property value you want to borrow. Specialist SMSF lenders offer up to 90% LVR.
Max Borrowing Power
$600,000
Deposit Required
$150,000
Stamp Duty (NSW)
$41,250
Indicative estimate based on your inputs. For a personalised borrowing assessment and full PDF report, book a free 15-min call below.
Next steps: Crunching the numbers is step one. When you're ready to apply, see our recommended SMSF property loan brokers for the Sunshine Coast region, or compare lender rates and LRBA structures.
Your personalised PDF report covers full borrowing power, tax savings, stamp duty & loan options based on your inputs above. Delivered by Brokerly, one of Australia's most awarded individual mortgage brokerages. No cost, no obligation.
Your fund borrows under a Limited Recourse Borrowing Arrangement to buy a single residential property held inside a bare trust. Rent flows into the fund, the loan is repaid from rent and contributions, and on payout the property transfers to the SMSF.
Until recently the SMSF market capped at 80% LVR. In 2026 a select group of specialist lenders offer 90% LVR residential SMSF home loans, dramatically lowering the deposit hurdle for trustees wanting to enter the market sooner.
Rental income inside the fund is taxed at 15% during accumulation and 0% in pension phase, versus marginal rates up to 47% personally. Capital gains on assets held >12 months get a one-third discount, dropping the effective CGT rate to 10%.
Budget 5-6% of purchase price for stamp duty, bare-trust setup, legals and lender fees. Annual SMSF audit, accounting and LRBA compliance typically adds $2,000-$4,000 per year on top of the loan repayments.
Yes – an SMSF can borrow to acquire a single residential investment property under a Limited Recourse Borrowing Arrangement. The property must meet the sole purpose test and cannot be lived in by members or related parties.
Standard SMSF home loans are capped at 70-80% LVR. A small group of specialist lenders offer 90% LVR SMSF home loans at a 0.30-0.50% rate premium, with stricter liquidity and contribution-history requirements.
For an 80% LVR SMSF home loan you need a 20% deposit plus stamp duty, legal and bare-trust setup costs (typically 5-6% of purchase price). For 90% LVR specialist programs the deposit drops to 10% but lenders' costs and LMI add ~1.5-2.5%.
No. SIS Act rules prohibit you, related parties or fund members from living in or renting an SMSF-owned residential property at any time. Doing so triggers severe ATO penalties and can disqualify the fund.
Yes. Specialist SMSF home loan rates sit roughly 0.50-1.50% above owner-occupier rates because of the limited-recourse structure and reduced lender appetite. In 2026, expect SMSF variable from 5.99% p.a. and 3-year fixed from 6.24% p.a.
Yes. Most SMSF lenders offer interest-only periods of 3-5 years, which is popular because rental income inside the SMSF is taxed at just 15%. After IO expires the loan reverts to principal and interest over the remaining term.
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