Retro SMSF

Home LoansAFG Home Loans -Retro

An INV variable home loan with both P&I and IO rate for residential investment properties owned by Self Managed Super Funds

From (investment): 7.08%; 7.41% comparison

Interest Rates

Investment — Principal & interest

Type	Rate	Comparison	Applies To
Variable	7.08%	7.41%	Loan Amount Tier $1,250,001–$1,500,000LVR Tier ≤60%
Variable	7.08%	7.41%	Loan Amount Tier $750,001–$1,250,000LVR Tier ≤60%
Variable	7.08%	7.41%	Loan Amount Tier $200,000–$750,000LVR Tier ≤60%
Variable	7.13%	7.46%	Loan Amount Tier $750,001–$1,250,000LVR Tier 60.01–70%
Variable	7.13%	7.46%	Loan Amount Tier $200,000–$750,000LVR Tier 60.01–70%
Variable	7.23%	7.51%

Fees

Fee	Type	Amount
Annual Service Fee	Event	$330.00
Valuation Fee 1st $300 Waived. The valuation fee range is an estimate. Valuation fee may be greater than the fee maximum noted.	Upfront	$0.00 – $400.00
SMSF application Fee SMSF loan fee (Waived from 6th July 2026 to 28th August 2026 as part of SMSF loan promotion)	Upfront	$0.00
Settlement Fee	Upfront	$660.00

Features

Extra repayments — Additional repayments: More frequent payments are permitted and additional repayments may be made at any time.
Digital banking: Internet and mobile banking available
Investment only loans — Investment Only
Up to 10 years Interest Only — 10 year IO term
Maximum four splits are offered — Splitting your loan
This loan can be used for the purposes of investment in residential property within an SMSF. — Acceptable Loan Purposes
This loan cannot be used for business purposes, bridging loans, or any unlawful purposes. — Unacceptable Loan Purposes

Eligibility

Business customers — Non-individual borrowersSelf Managed Super Funds acceptable to the lender
Applications for home loans are subject to the Bank's normal credit approval.

Constraints

Maximum balance — $1,500,000.00Maximum exposure to customer is $1.5 mil
Maximum LVR — 90%Maximum LVR: 90%
Arm’s length purchase of a residential investment property plus acquisition costs at market rates. The vendor must not be deemed a related party of the SMSF or SMSF trustee(s) — Policy

Published by AFG Home Loans - Retro under the Consumer Data Right · Last updated 6 July 2026 · Product ID deea74f6-eb66-487e-b927-b09841e96b12 · View Source Data (JSON)

Type	Rate	Comparison	Applies To
Variable	7.43%	7.54%	Loan Amount Tier $1,250,001–$1,500,000LVR Tier ≤60%
Variable	7.43%	7.54%	Loan Amount Tier $750,001–$1,250,000LVR Tier ≤60%
Variable	7.43%	7.57%	Loan Amount Tier $750,001–$1,250,000LVR Tier 60.01–70%
Variable	7.43%	7.54%	Loan Amount Tier $200,000–$750,000LVR Tier ≤60%
Variable	7.43%	7.57%	Loan Amount Tier $200,000–$750,000LVR Tier 60.01–70%
Variable	7.48%	7.62%	Loan Amount Tier $1,250,001–$1,500,000LVR Tier 60.01–70%
Variable	7.53%	7.69%	IO Term Tier 72–120 monthsLoan Amount Tier $1,250,000.01–$1,500,000LVR Tier ≤60%
Variable	7.53%	7.71%	IO Term Tier 72–120 monthsLoan Amount Tier $750,000.01–$1,250,000LVR Tier 60.01–70%
Variable	7.53%	7.69%	IO Term Tier 72–120 monthsLoan Amount Tier $750,000.01–$1,250,000LVR Tier ≤60%
Variable	7.53%	7.71%	IO Term Tier 72–120 monthsLoan Amount Tier $200,000–$750,000LVR Tier 60.01–70%
Variable	7.53%	7.69%	IO Term Tier 72–120 monthsLoan Amount Tier $200,000–$750,000LVR Tier ≤60%
Variable	7.58%	7.76%	IO Term Tier 72–120 monthsLoan Amount Tier $1,250,000.01–$1,500,000LVR Tier 60.01–70%
Variable	7.63%	7.74%	Loan Amount Tier $750,001–$1,250,000LVR Tier 70.01–80%
Variable	7.63%	7.74%	Loan Amount Tier $200,000–$750,000LVR Tier 70.01–80%
Variable	7.68%	7.79%	Loan Amount Tier $1,250,001–$1,500,000LVR Tier 70.01–80%
Variable	7.73%	7.89%	IO Term Tier 72–120 monthsLoan Amount Tier $750,000.01–$1,250,000LVR Tier 70.01–80%
Variable	7.73%	7.89%	IO Term Tier 72–120 monthsLoan Amount Tier $200,000–$750,000LVR Tier 70.01–80%
Variable	7.78%	7.94%	IO Term Tier 72–120 monthsLoan Amount Tier $1,250,000.01–$1,500,000LVR Tier 70.01–80%