---
title: "Retro SMSF  — AFG Home Loans - Retro"
description: "Home Loans from AFG Home Loans - Retro. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/afg-home-loans-retro/products/deea74f6-eb66-487e-b927-b09841e96b12
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-19T00:13:59Z
---

# Retro SMSF  — AFG Home Loans - Retro

> Home Loans from AFG Home Loans - Retro. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · AFG 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

## At a glance

- **From (investment):** 7.08% (7.46% comparison)

## Interest rates

### Investment — Principal & interest

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.08% | 7.46% | Loan Amount Tier $1,250,001–$1,500,000; LVR Tier ≤60% |
| Variable | 7.08% | 7.46% | Loan Amount Tier $750,001–$1,250,000; LVR Tier ≤60% |
| Variable | 7.08% | 7.46% | Loan Amount Tier $200,000–$750,000; LVR Tier ≤60% |
| Variable | 7.13% | 7.51% | Loan Amount Tier $750,001–$1,250,000; LVR Tier 60.01–70% |
| Variable | 7.13% | 7.51% | Loan Amount Tier $200,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.18% | 7.56% | Loan Amount Tier $1,250,001–$1,500,000; LVR Tier 60.01–70% |
| Variable | 7.28% | 7.65% | Loan Amount Tier $750,001–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.28% | 7.65% | Loan Amount Tier $200,000–$750,000; LVR Tier 70.01–80% |
| Variable | 7.33% | 7.7% | Loan Amount Tier $1,250,001–$1,500,000; LVR Tier 70.01–80% |
| Variable | 7.79% | 8.16% | Loan Amount Tier $750,000.01–$1,000,000; LVR Tier 80.01–90% |
| Variable | 7.79% | 8.16% | Loan Amount Tier $200,000–$750,000; LVR Tier 80.01–90% |

### Investment — Interest only

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 7.43% | 7.63% | Loan Amount Tier $1,250,001–$1,500,000; LVR Tier ≤60% |
| Variable | 7.43% | 7.63% | Loan Amount Tier $750,001–$1,250,000; LVR Tier ≤60% |
| Variable | 7.43% | 7.63% | Loan Amount Tier $200,000–$750,000; LVR Tier ≤60% |
| Variable | 7.43% | 7.66% | Loan Amount Tier $750,001–$1,250,000; LVR Tier 60.01–70% |
| Variable | 7.43% | 7.66% | Loan Amount Tier $200,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.48% | 7.71% | Loan Amount Tier $1,250,001–$1,500,000; LVR Tier 60.01–70% |
| Variable | 7.53% | 7.77% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier ≤60% |
| Variable | 7.53% | 7.77% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier ≤60% |
| Variable | 7.53% | 7.77% | IO Term Tier 72–120 months; Loan Amount Tier $200,000–$750,000; LVR Tier ≤60% |
| Variable | 7.53% | 7.79% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 60.01–70% |
| Variable | 7.53% | 7.79% | IO Term Tier 72–120 months; Loan Amount Tier $200,000–$750,000; LVR Tier 60.01–70% |
| Variable | 7.58% | 7.84% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 60.01–70% |
| Variable | 7.63% | 7.83% | Loan Amount Tier $750,001–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.63% | 7.83% | Loan Amount Tier $200,000–$750,000; LVR Tier 70.01–80% |
| Variable | 7.68% | 7.88% | Loan Amount Tier $1,250,001–$1,500,000; LVR Tier 70.01–80% |
| Variable | 7.73% | 7.98% | IO Term Tier 72–120 months; Loan Amount Tier $750,000.01–$1,250,000; LVR Tier 70.01–80% |
| Variable | 7.73% | 7.98% | IO Term Tier 72–120 months; Loan Amount Tier $200,000–$750,000; LVR Tier 70.01–80% |
| Variable | 7.78% | 8.03% | IO Term Tier 72–120 months; Loan Amount Tier $1,250,000.01–$1,500,000; LVR Tier 70.01–80% |

## 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
- **Loan term Minimum 8 years maximum 30 years** — Loan Term

## Eligibility

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

## Constraints

- **Maximum balance** — $1,500,000.00 (Maximum 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)** — OTHER

## Data provenance

- Published by AFG Home Loans - Retro under the Consumer Data Right
- Product ID: `deea74f6-eb66-487e-b927-b09841e96b12`
- Last updated by the provider: 19 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/afg-home-loans-retro/deea74f6-eb66-487e-b927-b09841e96b12
- Provider page: https://www.cdrcompare.au/brands/afg-home-loans-retro

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/afg-home-loans-retro/products/deea74f6-eb66-487e-b927-b09841e96b12) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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