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Amlak SMSF

MCCA's Amlak SMSF Facility suits residential property purchases or refinances, with fixed or variable rental facility fees, flexible repayments, and fast approvals. Borrow $50,000–$2,000,000 (up to 80% LVR), make unlimited extra repayments on variable facilities, and pay $0 ongoing fees, with no application, settlement, or legal fees on refinances.

Home loansLender updated 14 Oct 2026

At a glance

Variable (investor P&I)
7.29%
Max LVR
80%
Features
extra repayments

Rates

Every rate MCCA publishes for this home loan, 6 in all.

Variable and fixed, at 80% LVR

Investment, principal and interest, the lowest rate for each

  1. Variabletypical 6.58%7.74%
  2. 2 yrs fixed7.79%
  3. 3 yrs fixed7.89%
  4. 5 yrs fixed8.34%
This home loanTypical lender's best

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

  1. ≤60%7.29%
  2. 60–70%7.34%
  3. 70–80%7.74%
Variable rate for the band
TypeApplies toTermBandRateComparisonConditions
FixedInvestment, P&I2 yrs fixed≤80% LVR7.79%7.84%-
FixedInvestment, P&I3 yrs fixed≤80% LVR7.89%7.88%-
FixedInvestment, P&I5 yrs fixed≤80% LVR8.34%8.09%-
VariableInvestment, P&I-≤60% LVR7.29%6.73%-
VariableInvestment, P&I-60–70% LVR7.34%6.78%-
VariableInvestment, P&I-70–80% LVR7.74%7.22%-

Fees

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

  1. When you take it out$965Application Fee
  2. While you hold itNo fee published
  3. When you close it or pay it offUp to $3002 fees, each listed below

When you take it out1

  • Application Fee

    A one time fee charged at the time of application, comprising of a $755 application fee, and a $210 processing fee.

    $965

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
  • Valuation Fee

    A variable fee charged at cost to assess the value of the property used as security for the finance facility, starting from a minimum amount.

    From $221

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 facility 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 facility runs to term.

    $250

Features

Extra repayments

Eligibility and limits

  • Minimum age 18
  • Residency: Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia.
  • 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 term of the finance facility must be a minimum of 15 years.
  • The term of the finance facility cannot exceed 30 years.

Published by MCCA under the Consumer Data Right, last changed by them on 14 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.