LCASMSF Home Loan
loans.com.au's SMSF Loan suits residential or commercial property, with fixed or variable rates, flexible repayments, and fast approvals. Borrow $50,000–$2,000,000 (up to 80% LVR), make unlimited extra repayments on variable loans, and pay $0 ongoing fees, with no application, settlement, or legal fees on refinances.
At a glance
- Variable (investor P&I)
- 7.14%
- Max LVR
- 80%
- Features
- extra repayments
Rates
Every rate LCA publishes for this home loan, 11 in all.
Variable and fixed, at 80% LVR
Investment, principal and interest, the lowest rate for each
- Variabletypical 6.58%7.49%
- 2 yrs fixed7.69%
- 3 yrs fixed7.79%
- 5 yrs fixed8.24%
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%7.14%
- ≤70%7.94%
- 60–70%7.19%
- 70–80%7.49%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, P&I | 2 yrs fixed | ≤80% LVR | 7.69% | 7.55% | - |
| Fixed | Investment, P&I | 2 yrs fixed | ≤80% LVR | 8.69% | - | - |
| Fixed | Investment, P&I | 3 yrs fixed | ≤80% LVR | 7.79% | 7.60% | - |
| Fixed | Investment, P&I | 3 yrs fixed | ≤80% LVR | 8.79% | - | - |
| Fixed | Investment, P&I | 5 yrs fixed | ≤80% LVR | 8.24% | 7.85% | - |
| Fixed | Investment, P&I | 5 yrs fixed | ≤80% LVR | 9.24% | - | - |
| Variable | Investment, P&I | - | ≤60% LVR | 7.14% | 7.16% | - |
| Variable | Investment, P&I | - | ≤70% LVR | 7.94% | - | - |
| Variable | Investment, P&I | - | 60–70% LVR | 7.19% | 7.21% | - |
| Variable | Investment, P&I | - | 70–80% LVR | 7.49% | 7.51% | - |
| Variable | Investment, P&I | - | 70–80% LVR | 7.99% | - | - |
Fees
5 fees published, grouped by when they're charged.
- When you take it outNo feeApplication Fee
- While you hold itNo fee published
- When you close it or pay it offUp to $3002 fees, each listed below
When you take it out1
- Application Fee
No application fee is charged when setting up the loan.
No fee
When particular things happen2
- Documentation Fee
The documentation fee is only applicable for purchase applications. There will be no documentation fee charged for refinance applications.
$490 - Security Assessment Fee
A variable fee charged at cost to assess the value of the property used as security for the loan, starting from a minimum amount.
From $230
When you close it or pay it off2
- Discharge Administration Fee
A fee applied when releasing our mortgage to cover administrative processing of the discharge request. Waived if loan runs to term.
$300 - Discharge Documentation Fee
A fee charged for preparing the necessary documentation when the loan is fully repaid and discharged. Waived if loan runs to term.
$250
Features
Eligibility and limits
- Amount $50,000 to $2,000,000
- Eligible for consumers with a Self-Managed Super Fund (SMSF) where the trustee of the super fund is a corporate entity.
- The loan term cannot exceed 30 years
- The loan term must be at least 15 years
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Published by loans.com.au under the Consumer Data Right, last changed by them on 7 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.