SMSF Home Loan
Firstmac’s SMSF Loan suits residential or commercial property, with fixed or variable rates, flexible repayments, and fast approvals. Borrow $50,000–$2,000,000 (up to 80% LVR), make unlimited extra repayments on variable loans, and pay $0 ongoing fees, with no application, settlement, or legal fees on refinances.
- From (investment)
- 7.09%
- 7.11% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.09% | 7.11% | Loan-to-Value Ratio (LVR) |
| Variable | 7.14% | 7.16% | Loan-to-Value Ratio (LVR) |
| Variable | 7.29% | 7.31% | Loan-to-Value Ratio (LVR) |
| Fixed · 2 years | 7.34% | 7.32% | Loan-to-Value Ratio (LVR) |
| Fixed · 3 years | 7.44% | 7.35% | Loan-to-Value Ratio (LVR) |
| Variable | 7.69% | — | Loan-to-Value Ratio (LVR) |
| Variable | 7.74% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee No application fee is charged when setting up the loan. | Upfront | $0.00 |
| Documentation Fee The documentation fee is only applicable for purchase applications. There will be no documentation fee charged for refinance applications. | Event | $490.00 |
| Valuation Fee A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount. | Event | From $221.00 |
| Discharge Documentation Fee A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term. | Exit | $250.00 |
| Discharge Administration Fee A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term. | Exit | $300.00 |
Features
- Extra repayments
- Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. Limited to $10,000 per year for fixed interest rate types.
Eligibility
- Residency status — Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.
- Minimum age — 18 yearsApplicants must be at least 18 years old to apply for this loan.
- Eligible for consumers with a Self-Managed Super Fund (SMSF) where the trustee of the super fund is a corporate entity.
Constraints
- Minimum limit — $50,000.00The minimum application amount that can be borrowed is $50,000.
- Maximum limit — $2,000,000.00The maximum application amount available under this product is $2,000,000.
- The loan term must be at least 15 years. — P15Y
- The loan term cannot exceed 30 years. — P30Y
Published by Firstmac under the Consumer Data Right · Last updated 1 July 2026 · Product ID fmc-smsf