Bluebay Home LoansSMSF Residential
SMSF Residential
Also sold at the same rates and fees as Crown Money Management, Hejaz Islamic Home Finance, Mortgage Mart, OwnHome, Riyadh Financial Services, WLTH and Zank Financial.
Home loansLender updated 5 Nov 2026
At a glance
- Variable (investor P&I)
- 7.39%
- Max LVR
- 90%
- Annual fee
- $395
- Features
- offset, extra repayments
Rates
Every rate Bluebay Home Loans publishes for this home loan, 120 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.59%7.59%
- 1 yr fixed8.24%
- 2 yrs fixed8.24%
- 3 yrs fixed8.24%
- 4 yrs fixed8.34%
- 5 yrs fixed8.34%
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%7.39%
- 60–70%7.49%
- 70–80%7.59%
- 80–85%7.84%
- 85–90%8.09%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | ≤60% LVR, $50,000–$3,500,000 | 8.24% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | ≤60% LVR, $50,000–$5,000,000 | 8.74% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 60–70% LVR, $50,000–$3,500,000 | 8.34% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 60–70% LVR, $50,000–$5,000,000 | 8.84% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 8.44% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 70–80% LVR, $50,000–$5,000,000 | 8.94% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 80–85% LVR, $50,000–$3,500,000 | 8.69% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 80–85% LVR, $50,000–$5,000,000 | 9.19% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 85–90% LVR, $50,000–$3,500,000 | 8.84% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 1 yr fixed | 85–90% LVR, $50,000–$5,000,000 | 9.34% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | ≤60% LVR, $50,000–$3,500,000 | 8.24% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | ≤60% LVR, $50,000–$5,000,000 | 8.74% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 60–70% LVR, $50,000–$3,500,000 | 8.34% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 60–70% LVR, $50,000–$5,000,000 | 8.84% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.44% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 8.94% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 80–85% LVR, $50,000–$3,500,000 | 8.69% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 80–85% LVR, $50,000–$5,000,000 | 9.19% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 85–90% LVR, $50,000–$3,500,000 | 8.84% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 2 yrs fixed | 85–90% LVR, $50,000–$5,000,000 | 9.34% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | ≤60% LVR, $50,000–$3,500,000 | 8.24% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | ≤60% LVR, $50,000–$5,000,000 | 8.74% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 60–70% LVR, $50,000–$3,500,000 | 8.34% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 60–70% LVR, $50,000–$5,000,000 | 8.84% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.44% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 8.94% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 80–85% LVR, $50,000–$3,500,000 | 8.69% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 80–85% LVR, $50,000–$5,000,000 | 9.19% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 85–90% LVR, $50,000–$3,500,000 | 8.84% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 3 yrs fixed | 85–90% LVR, $50,000–$5,000,000 | 9.34% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | ≤60% LVR, $50,000–$3,500,000 | 8.34% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | ≤60% LVR, $50,000–$5,000,000 | 8.84% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 60–70% LVR, $50,000–$3,500,000 | 8.44% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 60–70% LVR, $50,000–$5,000,000 | 8.94% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.54% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.04% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 80–85% LVR, $50,000–$3,500,000 | 8.79% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 80–85% LVR, $50,000–$5,000,000 | 9.29% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 85–90% LVR, $50,000–$3,500,000 | 8.94% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 4 yrs fixed | 85–90% LVR, $50,000–$5,000,000 | 9.44% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | ≤60% LVR, $50,000–$3,500,000 | 8.34% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | ≤60% LVR, $50,000–$5,000,000 | 8.84% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 60–70% LVR, $50,000–$3,500,000 | 8.44% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 60–70% LVR, $50,000–$5,000,000 | 8.94% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.54% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 9.04% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 80–85% LVR, $50,000–$3,500,000 | 8.79% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 80–85% LVR, $50,000–$5,000,000 | 9.29% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 85–90% LVR, $50,000–$3,500,000 | 8.94% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | 5 yrs fixed | 85–90% LVR, $50,000–$5,000,000 | 9.44% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | ≤60% LVR, $50,000–$3,500,000 | 8.04% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | ≤60% LVR, $50,000–$5,000,000 | 8.54% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 60–70% LVR, $50,000–$3,500,000 | 8.14% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 60–70% LVR, $50,000–$5,000,000 | 8.64% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$3,500,000 | 8.24% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 70–80% LVR, $50,000–$5,000,000 | 8.74% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 80–85% LVR, $50,000–$3,500,000 | 8.49% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 80–85% LVR, $50,000–$5,000,000 | 8.99% | - | - |
| FixedMinimum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 85–90% LVR, $50,000–$3,500,000 | 8.64% | - | - |
| FixedMaximum rate available for 1 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 1 yr fixed | 85–90% LVR, $50,000–$5,000,000 | 9.14% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | ≤60% LVR, $50,000–$3,500,000 | 8.04% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | ≤60% LVR, $50,000–$5,000,000 | 8.54% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 60–70% LVR, $50,000–$3,500,000 | 8.14% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 60–70% LVR, $50,000–$5,000,000 | 8.64% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.24% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 8.74% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 80–85% LVR, $50,000–$3,500,000 | 8.49% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 80–85% LVR, $50,000–$5,000,000 | 8.99% | - | - |
| FixedMinimum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 85–90% LVR, $50,000–$3,500,000 | 8.64% | - | - |
| FixedMaximum rate available for 2 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 2 yrs fixed | 85–90% LVR, $50,000–$5,000,000 | 9.14% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | ≤60% LVR, $50,000–$3,500,000 | 8.04% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | ≤60% LVR, $50,000–$5,000,000 | 8.54% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 60–70% LVR, $50,000–$3,500,000 | 8.14% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 60–70% LVR, $50,000–$5,000,000 | 8.64% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.24% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 8.74% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 80–85% LVR, $50,000–$3,500,000 | 8.49% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 80–85% LVR, $50,000–$5,000,000 | 8.99% | - | - |
| FixedMinimum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 85–90% LVR, $50,000–$3,500,000 | 8.64% | - | - |
| FixedMaximum rate available for 3 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 3 yrs fixed | 85–90% LVR, $50,000–$5,000,000 | 9.14% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | ≤60% LVR, $50,000–$3,500,000 | 8.14% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | ≤60% LVR, $50,000–$5,000,000 | 8.64% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 60–70% LVR, $50,000–$3,500,000 | 8.24% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 60–70% LVR, $50,000–$5,000,000 | 8.74% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.34% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 8.84% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 80–85% LVR, $50,000–$3,500,000 | 8.59% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 80–85% LVR, $50,000–$5,000,000 | 9.09% | - | - |
| FixedMinimum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 85–90% LVR, $50,000–$3,500,000 | 8.74% | - | - |
| FixedMaximum rate available for 4 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 4 yrs fixed | 85–90% LVR, $50,000–$5,000,000 | 9.24% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | ≤60% LVR, $50,000–$3,500,000 | 8.14% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | ≤60% LVR, $50,000–$5,000,000 | 8.64% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 60–70% LVR, $50,000–$3,500,000 | 8.24% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 60–70% LVR, $50,000–$5,000,000 | 8.74% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$3,500,000 | 8.34% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 70–80% LVR, $50,000–$5,000,000 | 8.84% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 80–85% LVR, $50,000–$3,500,000 | 8.59% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 80–85% LVR, $50,000–$5,000,000 | 9.09% | - | - |
| FixedMinimum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 85–90% LVR, $50,000–$3,500,000 | 8.74% | - | - |
| FixedMaximum rate available for 5 year fixed rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | 5 yrs fixed | 85–90% LVR, $50,000–$5,000,000 | 9.24% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | ≤60% LVR, $50,000–$3,500,000 | 7.59% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | ≤60% LVR, $50,000–$5,000,000 | 8.09% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | 60–70% LVR, $50,000–$3,500,000 | 7.69% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | 60–70% LVR, $50,000–$5,000,000 | 8.19% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | 70–80% LVR, $50,000–$3,500,000 | 7.79% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | 70–80% LVR, $50,000–$5,000,000 | 8.29% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | 80–85% LVR, $50,000–$3,500,000 | 8.04% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | 80–85% LVR, $50,000–$5,000,000 | 8.54% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, Interest only | - | 85–90% LVR, $50,000–$3,500,000 | 8.29% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, Interest only | - | 85–90% LVR, $50,000–$5,000,000 | 8.79% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | ≤60% LVR, $50,000–$3,500,000 | 7.39% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | ≤60% LVR, $50,000–$5,000,000 | 7.89% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | 60–70% LVR, $50,000–$3,500,000 | 7.49% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | 60–70% LVR, $50,000–$5,000,000 | 7.99% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | 70–80% LVR, $50,000–$3,500,000 | 7.59% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | 70–80% LVR, $50,000–$5,000,000 | 8.09% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | 80–85% LVR, $50,000–$3,500,000 | 7.84% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | 80–85% LVR, $50,000–$5,000,000 | 8.34% | - | - |
| VariableMinimum rate available for variable rate at this LVR Range. The actual rate offered may be higher and will be determined by the details you provide on application. | Investment, P&I | - | 85–90% LVR, $50,000–$3,500,000 | 8.09% | - | - |
| VariableMaximum rate available for variable rate at this LVR Range. The actual rate offered may be lower and will be determined by the details you provide on application. | Investment, P&I | - | 85–90% LVR, $50,000–$5,000,000 | 8.59% | - | - |
Fees
6 fees published, grouped by when they're charged.
- When you take it outVaries2 fees, each listed below
- While you hold it$395 a yearLender's Annual Facility Fee
- When you close it or pay it off$2,200Discharge Administration Fee
When you take it out2
- Lenders Protection Fee (LPF)
This fee is applicable to SMSF Residential loans with an LVR from 80% to 85%.
2.50% of balance - Lenders Protection Fee (LPF)
This fee is applicable to SMSF Residential loans with an LVR from 85% to 90%.
3.50% of balance
While you hold it1
- Lender's Annual Facility Fee$395 a year
When particular things happen1
- Fixed Rate Lock Fee$495
When you close it or pay it off1
- Discharge Administration Fee$2,200
Other fees1
- Valuation Fee
At Cost
Varies
Features
Offset accountExtra repaymentsDigital banking
- Rate Lock
- LMI Available
- Split Loan
Eligibility and limits
- Residency: The members and directors of the SMSF are an Australian Citizen or a Permanent Resident of Australia
- Minimum balance $50,000
- 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…
- must hold the legal interest in the security property on trust for the SMSF
- the SMSF meets all relevant legislative and associated regulatory requirements to acquire the property and borrow, in accordance with the SIS Act; and 1) a separate holding trustee (bare trustee) hol…
- has entered into and is maintaining, an LRBA that complies with sections 67A and 67B of the SIS Act and that was entered into before 10 August 2026; or, for a purchase, a binding contract for the acq…
- Meets our lending eligibility criteria
- provide sufficient security in accordance with our lending eligibility criteria; and/or a guarantor who supports the loan also meets our lending eligibility criteria.
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Published by Bluebay Home Loans under the Consumer Data Right, last changed by them on 5 Nov 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.