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

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The simplest and quickest way to apply for an SMSF loan.

Click here to use our SMSF Loan Analyser and Online Application Tool

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Contact us to discuss your SMSF borrowing needs

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.

Use our loan calculator today to find out how much you can borrow

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.

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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.

Contact us to discuss your SMSF borrowing needs

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