Retro SMSF

An INV variable home loan with both P&I and IO rate for residential investment properties owned by Self Managed Super Funds

Home loansLender updated 8 Oct 2026

At a glance

Variable (investor P&I): 7.33%
Max LVR: 90%
Features: extra repayments

Rates

Every rate AFG Home Loans -Retro publishes for this home loan, 29 in all.

Variable rate by LVR

Investment, principal and interest, the lowest rate published for each band of the loan's share of the property's value

≤60%7.33%
60–70%7.38%
70–80%7.53%
80–90%8.04%

Variable rate for the band

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Variable	Investment, Interest only	-	≤60% LVR, $1,250,000–$1,500,000	7.78%	8.03%	-
Variable	Investment, Interest only	-	≤60% LVR, $1,250,001–$1,500,000	7.68%	7.88%	-
Variable	Investment, Interest only	-	≤60% LVR, $200,000–$750,000	7.68%	7.88%	-
Variable	Investment, Interest only	-	≤60% LVR, $200,000–$750,000	7.78%	8.03%	-
Variable	Investment, Interest only	-	≤60% LVR, $750,000–$1,250,000	7.78%	8.03%	-
Variable	Investment, Interest only	-	≤60% LVR, $750,001–$1,250,000	7.68%	7.88%	-
Variable	Investment, Interest only	-	60–70% LVR, $1,250,000–$1,500,000	7.83%	8.09%	-
Variable	Investment, Interest only	-	60–70% LVR, $1,250,001–$1,500,000	7.73%	7.96%	-
Variable	Investment, Interest only	-	60–70% LVR, $200,000–$750,000	7.68%	7.91%	-
Variable	Investment, Interest only	-	60–70% LVR, $200,000–$750,000	7.78%	8.04%	-
Variable	Investment, Interest only	-	60–70% LVR, $750,000–$1,250,000	7.78%	8.04%	-
Variable	Investment, Interest only	-	60–70% LVR, $750,001–$1,250,000	7.68%	7.91%	-
Variable	Investment, Interest only	-	70–80% LVR, $1,250,000–$1,500,000	8.03%	8.28%	-
Variable	Investment, Interest only	-	70–80% LVR, $1,250,001–$1,500,000	7.93%	8.13%	-
Variable	Investment, Interest only	-	70–80% LVR, $200,000–$750,000	7.88%	8.08%	-
Variable	Investment, Interest only	-	70–80% LVR, $200,000–$750,000	7.98%	8.23%	-
Variable	Investment, Interest only	-	70–80% LVR, $750,000–$1,250,000	7.98%	8.23%	-
Variable	Investment, Interest only	-	70–80% LVR, $750,001–$1,250,000	7.88%	8.08%	-
Variable	Investment, P&I	-	≤60% LVR, $1,250,001–$1,500,000	7.33%	7.70%	-
Variable	Investment, P&I	-	≤60% LVR, $200,000–$750,000	7.33%	7.70%	-
Variable	Investment, P&I	-	≤60% LVR, $750,001–$1,250,000	7.33%	7.70%	-
Variable	Investment, P&I	-	60–70% LVR, $1,250,001–$1,500,000	7.43%	7.80%	-
Variable	Investment, P&I	-	60–70% LVR, $200,000–$750,000	7.38%	7.75%	-
Variable	Investment, P&I	-	60–70% LVR, $750,001–$1,250,000	7.38%	7.75%	-
Variable	Investment, P&I	-	70–80% LVR, $1,250,001–$1,500,000	7.58%	7.95%	-
Variable	Investment, P&I	-	70–80% LVR, $200,000–$750,000	7.53%	7.90%	-
Variable	Investment, P&I	-	70–80% LVR, $750,001–$1,250,000	7.53%	7.90%	-
Variable	Investment, P&I	-	80–90% LVR, $200,000–$750,000	8.04%	8.41%	-
Variable	Investment, P&I	-	80–90% LVR, $750,000–$1,000,000	8.04%	8.41%	-

Rate changes

23 changes logged, newest first.

Date	Rate	Was	Now	Change
9 Oct 2026	Variable, Investment, Interest only, ≤60% LVR, $1,250,000–$1,500,000	7.53%	7.78%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, ≤60% LVR, $1,250,001–$1,500,000	7.43%	7.68%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, ≤60% LVR, $750,000–$1,250,000	7.53%	7.78%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, ≤60% LVR, $750,001–$1,250,000	7.43%	7.68%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, 60–70% LVR, $1,250,000–$1,500,000	7.58%	7.83%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, 60–70% LVR, $1,250,001–$1,500,000	7.48%	7.73%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, 60–70% LVR, $750,000–$1,250,000	7.53%	7.78%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, 60–70% LVR, $750,001–$1,250,000	7.43%	7.68%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, 70–80% LVR, $1,250,000–$1,500,000	7.78%	8.03%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, 70–80% LVR, $1,250,001–$1,500,000	7.68%	7.93%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, 70–80% LVR, $750,000–$1,250,000	7.73%	7.98%	up 0.25
9 Oct 2026	Variable, Investment, Interest only, 70–80% LVR, $750,001–$1,250,000	7.63%	7.88%	up 0.25
9 Oct 2026	Variable, Investment, P&I, ≤60% LVR, $1,250,001–$1,500,000	7.08%	7.33%	up 0.25
9 Oct 2026	Variable, Investment, P&I, ≤60% LVR, $200,000–$750,000	7.08%	7.33%	up 0.25
9 Oct 2026	Variable, Investment, P&I, ≤60% LVR, $750,001–$1,250,000	7.08%	7.33%	up 0.25
9 Oct 2026	Variable, Investment, P&I, 60–70% LVR, $1,250,001–$1,500,000	7.18%	7.43%	up 0.25
9 Oct 2026	Variable, Investment, P&I, 60–70% LVR, $200,000–$750,000	7.13%	7.38%	up 0.25
9 Oct 2026	Variable, Investment, P&I, 60–70% LVR, $750,001–$1,250,000	7.13%	7.38%	up 0.25
9 Oct 2026	Variable, Investment, P&I, 70–80% LVR, $1,250,001–$1,500,000	7.33%	7.58%	up 0.25
9 Oct 2026	Variable, Investment, P&I, 70–80% LVR, $200,000–$750,000	7.28%	7.53%	up 0.25
9 Oct 2026	Variable, Investment, P&I, 70–80% LVR, $750,001–$1,250,000	7.28%	7.53%	up 0.25
9 Oct 2026	Variable, Investment, P&I, 80–90% LVR, $200,000–$750,000	7.79%	8.04%	up 0.25
9 Oct 2026	Variable, Investment, P&I, 80–90% LVR, $750,000–$1,000,000	7.79%	8.04%	up 0.25

Each change is logged the night it appears in the rates AFG Home Loans - Retro publishes. See how every lender answered the RBA on the rate tracker.

Fees

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

When you take it out3

Settlement Fee
$660
SMSF application Fee
SMSF loan fee (Waived from 6th July 2026 to 28th August 2026 as part of SMSF loan promotion)
No fee
Valuation Fee
1st $300 Waived. The valuation fee range is an estimate. Valuation fee may be greater than the fee maximum noted.
$0 to $400

When particular things happen1

Annual Service Fee
$330

Features

Extra repaymentsDigital banking

Investment only loans
Up to 10 years Interest Only
Maximum four splits are offered
This loan can be used for the purposes of investment in residential property within an SMSF.
This loan cannot be used for business purposes, bridging loans, or any unlawful purposes.
Loan term Minimum 8 years maximum 30 years

Eligibility and limits

Available to businesses
Maximum LVR 90%
Applications for home loans are subject to the Bank's normal credit approval.
Arm’s length purchase of a residential investment property plus acquisition costs at market rates. The vendor must not be deemed a related party of the SMSF or SMSF trustee(s)

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Published by AFG Home Loans - Retro under the Consumer Data Right, last changed by them on 8 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.