Specialist SMSF loans from 5.99% p.a. variable, with 90% LVR programs available through select lenders. Compare residential, commercial and refinance SMSF loan options across 70+ Australian lenders in one place.
*Indicative SMSF loan rates as at May 2026. Actual rate depends on LVR, fund balance, contributions and property type.
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.
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.
Most SMSF loans in Australia are written against residential investment property at 70-80% LVR, with specialist lenders offering 90% LVR for stronger funds. Pricing in 2026 sits between 5.99% and 6.99% p.a. depending on lender appetite and contribution history.
Commercial SMSF loans (including business real property purchased from a member) typically cap at 65-70% LVR and price 0.30-0.60% above residential. The big advantage: members can lease the property back to their own business at arm's-length rent.
The majors stopped writing new SMSF loans in 2018-2019, so trustees with legacy SMSF loans often pay 0.50-1.00% above current market. Refinancing to a specialist lender can free up cash flow and unlock equity for the next purchase.
Brokerly is one of Australia's most awarded individual brokerages with direct access to every major SMSF lender. We package the application, manage bare-trust setup with your accountant, and lock in the best policy fit for your fund.
An SMSF loan is a Limited Recourse Borrowing Arrangement (LRBA) that allows your self managed super fund to borrow to acquire a single property or qualifying asset. The lender's recourse is limited to that asset, ringfencing the rest of the fund.
Around 12 specialist lenders dominate the SMSF loan market in 2026 including Granite, Thinktank, La Trobe, RedZed, Mortgage Mart, Liberty and Firstmac. Pricing ranges from 5.99% p.a. variable to 6.99% p.a. for 90% LVR specialist programs.
Most lenders require a minimum SMSF balance of $200,000, a $50,000 liquidity buffer post-settlement, and 12 months of consistent contributions. Some 90% LVR specialist programs accept balances from $150,000 with stronger contribution history.
Yes. SMSF loan refinancing is straightforward in 2026 and trustees often save 0.40-0.80% by switching from legacy major-bank SMSF loans (now closed to new lending) to specialist providers. The calculator above estimates savings on your current balance.
Standard SMSF loans cap at 70-80% LVR for residential and 65-70% for commercial property. A handful of specialist lenders offer 90% LVR for residential SMSF purchases at a 0.30-0.50% rate premium and tighter serviceability.
Yes. All SMSF loans require personal guarantees from the trustees, but those guarantees are limited recourse against the asset held in the bare trust. Trustees do not put their personal home or other super on the line beyond the guarantee terms.
90% LVR residential SMSF home loan rates and policy in 2026.
Inside the Australian SMSF lending market – lenders, policy, rates.
How an SMSF mortgage compares with a personal investment loan.