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SMSF Residential

SMSF Residential

Home loansLender updated 27 Oct 2026

At a glance

Pricing
Rates on application
Annual fee
$395
Features
offset, extra repayments

Fees

6 fees published, grouped by when they're charged.

  1. When you take it outUp to $2,5004 fees, each listed below
  2. While you hold it$395 a yearLender's Annual Facility Fee
  3. When you close it or pay it off$2,200Discharge Administration Fee

When you take it out4

  • Fixed Rate Lock Fee

    Optional

    $495
  • Third Party Costs

    This fee is applicable for SMSF Loans

    $595
  • Valuation Fee

    This fee is applicable for SMSF Loans. Metro Locations under $1m or at cost

    $244.20
  • Valuation Fee

    This fee is applicable for SMSF Loans. Commercial Only (approx. At Cost)

    $2,500

While you hold it1

  • Lender's Annual Facility Fee

    Applicable only for Fixed Rates

    $395 a year

When you close it or pay it off1

  • Discharge Administration Fee

    This fee is applicable for SMSF Loans

    $2,200

Features

Offset accountExtra repaymentsDigital banking
  • Flexible repayment options
  • SMSF, Super contributions and rental income

Eligibility and limits

  • Minimum age 18
  • Residency: the members and directors of the SMSF are an Australian Citizen or a Permanent Resident of Australia
  • Available to businesses
  • Minimum balance $50,000
  • meets our lending eligibility criteria
  • must hold the legal interest in the security property on trust for the SMSF
  • must meet all relevant legislative and associated regulation requirements to acquire the property & borrow from the Property Trustee in accordance with the Superannuation Industry (Supervision) Act 1…
  • Customer must hold a beneficial interest in the security property
  • provide sufficient security in accordance with our lending eligibility criteria; and/or a guarantor who supports the loan also meets our lending eligibility criteria.

Published by AAA Financial Corporation under the Consumer Data Right, last changed by them on 27 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.