Expert Advice on SMSF Loans
• Residential and Commercial Property SMSF Loans
• Access to Leading SMSF Lenders for Best Rates and Features
• Quick Expert Advice
• Bare Trust Set-up
Click here to use our SMSF Loan Analyser to get INSTANT feedback
The simplest and quickest way to apply for an SMSF loan.
Click here to use our SMSF Loan Analyser and Online Application Tool
Why use SuperLX?
At SuperLX we only do SMSF loans. We have over 25 years of SMSF administration experience, including the establishment of limited recourse borrowing arrangements for SMSFs. We know:
- How to assess your SMSF’s borrowing capacity
- How to find the most competitive lender
- How to arrange and set-up a great SMSF loan for you
- What is required to be fully compliant with the ATO
- How to set up your Bare Trust
Use SuperLX’s SMSF loan calculator. It is the only loan calculator available that is specifically designed for SMSFs. This saves you time, money and confusion.
What our clients are saying
Extremely knowledgeable staff, helped me with what me goals were without me even recognising it!!!! Absolutely recommend
If I could give 6 stars I would - John and Elle were fantastic to deal with from start to finish, and I never felt like there was any part of the process that they were not 100% over. Elle went above and beyond in dealing with 3rd parties on our behalf and kept us informed throughout. They are obviously a very experienced team that know the more complicated SMSF landscape back to front.
Super LX were fantastic to deal with from start to finish, they helped us all the way with arranging finance for our new office. Super LX's responses were accurate and very prompt, we were kept informed of every stage of the process. We found their skill and experience to be excellent.
5 stars again for another successful settlement!******SuperLX is truly the expert in SMSF loans. I've been impressed by their knowledge and high quality services. I have no reservation to recommend them to anyone looking for a SMSF loan.
Extremely knowledgeable staff, helped me with what me goals were without me even recognising it!!!! Absolutely recommend
If I could give 6 stars I would - John and Elle were fantastic to deal with from start to finish, and I never felt like there was any part of the process that they were not 100% over. Elle went above and beyond in dealing with 3rd parties on our behalf and kept us informed throughout. They are obviously a very experienced team that know the more complicated SMSF landscape back to front.
Super LX were fantastic to deal with from start to finish, they helped us all the way with arranging finance for our new office. Super LX's responses were accurate and very prompt, we were kept informed of every stage of the process. We found their skill and experience to be excellent.
5 stars again for another successful settlement!******SuperLX is truly the expert in SMSF loans. I've been impressed by their knowledge and high quality services. I have no reservation to recommend them to anyone looking for a SMSF loan.
Very professional team that supported me from preliminary approvals to settlement.
We enjoyed great service from SuperLX.John and Eleanor in particular are knowledgeable in the SMSF purchase/lending process, and helped us in selecting the loan that is suitable for us. Eleanor helped us along the way from initially working with lender all the way to settlement ensuring a smooth process.Highly recommended if you have a need for SMSF loan.
Really pleased with the outcome of our SMSF loan handled by SuperLX. The setting up of SMSF was riddled with complexities, but Adam and Eleanor guided us all the way from purchasing matters to settlement. They were very patient with us, spending countless hours through a long process. Communications with them, wheather by email or phone, were quick and responsive, answering all our queries.We highly recommend SuperLX.
A guide to our product and process
- The process is very easy – You just need to tell us about the property you’re thinking about and provide us with access to up to date information from your SMSF’s accounts. Then we’ll give you an indication of how much we think you can borrow and your eligibility.
- If you wish to proceed to an application, we’ll need a little more information about the SMSF’s members and their employment status.
- We do not provide advice about the suitability of the investment for your SMSF or the investment merits of the particular property you have in mind. You should discuss this with a trusted and suitably qualified adviser.
- We can set-up the bare trust you need to ATO compliant.
- We strongly recommend that you read our FAQs before you proceed with applying for an LRBA. If in doubt, consult your financial adviser or lawyer.
Product Features
We compare below the best features of SMSF loans provided by our panel lenders. Go to our SMSF Loan Calculator and run a scenario and we will provide you with a detailed summary of product features from lenders that meet your circumstances. Please note that not all these product features will be available under your scenario. For example, if you have a higher LVR your interest will be higher than stated here. Some property types and locations attract lower maximum LVRs and higher interest rates. Actual terms will be subject to the lender’s final assessment of your application.
Click tab to switch between products
| SMSF Residential | |
| Best interest rate^ | 7.17% p.a.^ |
| Comparison Rate | n/a |
| Minimum loan amount | $100,000 |
| Maximum loan amount | Up to $10,000,000 |
| Postcode | Inner city, metro and regional |
| Maximum LVR | up to 90% from some lenders |
| Lender’s mortgage insurance | Not required |
| Members’ guarantee | Standard requirement |
| Maximum loan term | 30 years |
| Repayment | Typically, principal & interest, but interest only for up to 5 years available in certain circumstances |
| Additional payments | Yes, but in certain circumstance subject to prepayment or exit fees |
| Redraw | Not permitted, but some lenders offer offset accounts |
| NDIS loans | Yes |
| Fixed rate loans | Fixed rate of up to 5 years available on request. Not offered by all lenders |
| Fees | Refer to SuperLX SMSF Loan Calculator |
| Minimum net fund assets and liquidity | Refer to SuperLX SMSF Loan Calculator |
| SMSF Commercial | |
| Best interest rate^ | From 7.72% p.a.^ |
| Comparison Rate | n/a |
| Minimum loan amount | $100,000 |
| Maximum loan amount | Up to $10,000,000 |
| Postcode | Inner city, metro and regional |
| Maximum LVR | up to 90% from some lenders |
| Lender’s mortgage insurance | Not required |
| Members’ guarantee | Standard requirement |
| Maximum loan term | 30 years |
| Repayment | Typically, principal & interest, but interest only for up to 5 years available in certain circumstances |
| Additional payments | Yes, but in certain circumstance subject to prepayment or exit fees |
| Redraw | Not permitted |
| NDIS loans | Yes |
| Fixed rate loans | Fixed rate of up to 5 years available on request. Not offered by all lenders |
| Fees | Refer to SuperLX SMSF Loan Calculator |
| Minimum net fund assets and liquidity | Refer to SuperLX SMSF Loan Calculator |
^This is not a Comparison Rate. Actual interest rate will depend on factors such as the loan amount, Loan to Value ratio and risk grade of the borrower. Last updated 15 December 2023.
How we work
How we work
You (or your adviser) go to SuperLX.com.au and we will do all the number crunching. Provide us with a few details about your SMSF and we will calculate you SMSF’s borrowing capability.
We will send you a detailed assessment of lenders who can meet your circumstances and on what terms. We will also show you our calculations on how we got there. We will help you choose the best deal.
We will prepare your application, get you to electronically sign it and fast track it through the approval process.
We can help you coordinate your settlement with your legal adviser. We can set-up your Bare Trust.
We will work with you to finalise your loan.
Use our SMSF loan calculator, which is specifically designed to help an SMSF understand its borrowing ability and eligibility for an SMSF loan. We will provide you with a detailed assessment of your SMSF loan borrowing scenario. SuperLX’s SMSF loan calculator is the only calculator available that will help you do this. We prepare your application form and make it very easy for you to apply for an SMSF loan. We continue to support you by:
- Providing you expert borrowing advice along the way
- Keeping track of your application
- Set-up your Bare Trust
We strongly recommend that you read our FAQs before you proceed with applying for a LRBA. If in doubt, consult your financial adviser or lawyer.
Lending Partners
