Self Managed Super Fund Loan
Take control of your future by using your SMSF to borrow and invest in residential, commercial or rural property
Fees
| Fee | Type | Amount |
|---|---|---|
| Registration of Mortgage Applies when we are required to register a mortgage relating to a property offered as security for your loan. | Upfront | From $1.00 |
| Mortgage Documentation Preparation Applies when we are required to prepare mortgage documentation relating to a property offered as security for your loan. | Upfront | From $1.00 |
| Late Payment Notice Fee Applies when you fail to make your contracted repayments by the repayment due date. | Event | $20.00 |
| PEXA Processing Fee Applies when we process a settlement relating to your loan through PEXA. | Upfront | From $1.00 |
| Agency Settlement/Handing Fee Applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan. | Upfront | From $1.00 |
| Registration of Discharge of Mortgage Applies when we are required to register a discharge of mortgage relating to a property held as security for your loan. | Upfront | From $1.00 |
Features
- Repayments are made Monthly
- No monthly Access Fee on your Savings or Transaction accounts where the minimum monthly membership balance exceeds $5,000.
Eligibility
- Business customersLVR is 70% for properties in towns with populations of 5,000 to 20,000; 80% for properties in towns with populations over 20,000
- Maximum term of 15 years with Commercial or Rural Security
- Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
- Maximum Term of 25 Years with Residential Security
- Regional Australia Bank requires the trustee to be Corporate Trustees when borrowing to invest in property.
- As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.
- Residency status — Australian ResidentIndividuals must be citizens or permanent residents of Australia.
- The Self Managed Super Fund Housing Loan is only available for residential, commercial and rural property purchases for investment purposes only and must be secured by a first registered mortgage over the property being purchased. It is not available for owner-occupied property, vacant land (unless rural acreage), specialised securities (pubs, motels and service stations etc), renovations, repairs, credit increases, construction loans, second mortgages or low doc loans. We require that you seek your own financial, tax, and legal advice before borrowing to invest in super.
Constraints
- Minimum limit — $100,000.00A minimum limit of $100,000 applies to this product.
More Information
Published by Regional Australia Bank under the Consumer Data Right · Last updated 29 April 2026 · Product ID 968950bf-1e07-49d6-9475-ffc99f0f0e95 · View on CDR.gov.au