---
title: "SMSF Home Loan — loans.com.au"
description: "Home Loans from loans.com.au. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/loans-com-au/products/lca-smsf
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-28T03:52:17.33477Z
---

# SMSF Home Loan — loans.com.au

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

**Home Loans · LCA**

loans.com.au'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.

## At a glance

- **From (investment):** 6.89% (6.91% comparison)

## Apply

Applications are handled by the provider: [Apply at loans.com.au](https://www.loans.com.au/apply)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 6.89% | 6.91% | Loan-to-Value Ratio (LVR) ≤60% |
| Variable | 6.94% | 6.96% | Loan-to-Value Ratio (LVR) 60.01–70% |
| Fixed · 2 years | 7.19% | 7.25% | Loan-to-Value Ratio (LVR) ≤80% |
| Variable | 7.24% | 7.26% | Loan-to-Value Ratio (LVR) 70.01–80% |
| Fixed · 3 years | 7.29% | 7.27% | Loan-to-Value Ratio (LVR) ≤80% |
| Fixed · 5 years | 7.69% | 7.46% | Loan-to-Value Ratio (LVR) ≤80% |
| Variable | 7.69% | — | Loan-to-Value Ratio (LVR) ≤70% |
| Variable | 7.74% | — | Loan-to-Value Ratio (LVR) 70.01–80% |
| Fixed · 2 years | 8.19% | — | Loan-to-Value Ratio (LVR) ≤80% |
| Fixed · 3 years | 8.29% | — | Loan-to-Value Ratio (LVR) ≤80% |
| Fixed · 5 years | 8.69% | — | Loan-to-Value Ratio (LVR) ≤80% |

## 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 |
| Security Assessment 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 $230.00 |
| 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 |
| 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 |

## 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

- **Eligible for consumers with a Self-Managed Super Fund (SMSF) where the trustee of the super fund is a corporate entity.**

## Constraints

- **Maximum limit** — $2,000,000.00 (The maximum application amount available under this product is $2,000,000.)
- **Minimum limit** — $50,000.00 (The minimum application amount that can be borrowed is $50,000.)
- **P15Y** — The loan term must be at least 15 years
- **P30Y** — The loan term cannot exceed 30 years

## More information from loans.com.au

- [Overview](https://www.loans.com.au/home-loans/smsf-loan/)

## Data provenance

- Published by loans.com.au under the Consumer Data Right
- Product ID: `lca-smsf`
- Last updated by the provider: 28 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/loans-com-au/lca-smsf
- Provider page: https://www.cdrcompare.au/brands/loans-com-au

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/loans-com-au/products/lca-smsf) — 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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