Amlak SMSF
MCCA's Amlak SMSF Facility suits residential property purchases or refinances, with fixed or variable rental facility fees, flexible repayments, and fast approvals. Borrow $50,000–$2,000,000 (up to 80% LVR), make unlimited extra repayments on variable facilities, and pay $0 ongoing fees, with no application, settlement, or legal fees on refinances.
- From (investment)
- 7.04%
- 7.14% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 7.04% | 7.14% | LVR (Loan to Value Ratio) |
| Variable | 7.09% | 7.19% | LVR (Loan to Value Ratio) |
| Fixed · 2 years | 7.29% | 7.54% | LVR (Loan to Value Ratio) |
| Fixed · 3 years | 7.39% | 7.55% | LVR (Loan to Value Ratio) |
| Variable | 7.49% | 7.59% | LVR (Loan to Value Ratio) |
| Fixed · 5 years | 7.79% | 7.72% | LVR (Loan to Value Ratio) |
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee A one time fee charged at the time of application, comprising of a $755 application fee, and a $210 processing fee. | Upfront | $965.00 |
| Valuation Fee A variable fee charged at cost to assess the value of the property used as security for the finance facility, starting from a minimum amount. | Event | From $221.00 |
| 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 |
| Documentation Fee The documentation fee is only applicable for purchase applications. There will be no documentation fee charged for refinance applications. | Event | $490.00 |
Features
- Extra repayments
- Allows borrowers to make additional repayments on the facility to reduce rent and pay off the facility faster.
Eligibility
- Eligible for consumers with a Self-Managed Super Fund (SMSF) where the trustee of the super fund is a corporate entity.
- Minimum age — 18 yearsApplicants must be at least 18 years old to apply for this finance facility.
- 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.
Constraints
- The term of the finance facility cannot exceed 30 years. — P30Y
- The term of the finance facility must be a minimum of 15 years. — P15Y
- 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.
Published by MCCA under the Consumer Data Right · Last updated 1 July 2026 · Product ID amlak-smsf