SMSF Lenders Compared

Compare Australia's leading SMSF property lenders side by side. The SMSF Property Loan team helps you find the best rates, LVR options, and loan features from 20+ specialist SMSF lenders to make an informed decision for your super fund.

Disclaimer: Rates shown are indicative only and subject to change. Contact us for a personalised quote based on your SMSF's circumstances. Rates last reviewed March 2026.

Filter by Type: Property Type: Max LVR:

Lender	Type	Variable Rate (p.a.)	Comparison Rate	Max LVR	Property Types	Loan Term	Interest Only
loans.com.au	Non-Bank	6.49%	6.51%	80%	Residential	30 years	5 years
Liberty Financial	Non-Bank	6.74%	6.79%	80%	Residential & Commercial	30 years	5 years
La Trobe Financial	Non-Bank	6.99%	7.01%	80%	Residential & Commercial	30 years	5 years
Pepper Money	Non-Bank	6.74%	6.76%	80%	Residential	30 years	5 years
Freedom Lend	Non-Bank	6.34%	6.90%	80%	Residential	30 years	5 years
Better Mortgage Mgmt	Non-Bank	6.39%	6.49%	70%	Residential & Commercial	30 years	5 years
Firstmac	Non-Bank	6.35%	6.76%	80%	Residential	30 years	5 years
Mortgage House	Non-Bank	6.49%	6.51%	80%	Residential	30 years	5 years
Redzed	Non-Bank	7.29%	7.45%	70%	Residential & Commercial	30 years	5 years
Bank of Queensland	Bank	7.04%	7.10%	70%	Residential & Commercial	25 years	5 years

Understanding SMSF Loan Rates

SMSF loan rates are typically higher than standard home loan rates due to the additional complexity and risk involved in lending to a trust structure. As of early 2026, variable rates for SMSF loans range from approximately 6.34% to 7.29% p.a. depending on the lender, LVR, and property type.

The ATO's safe harbour interest rate for 2025-26 is 8.95% p.a. for real property. This benchmark applies to related-party LRBA loans only — commercial lender rates are significantly lower.

Key Factors When Comparing Lenders

LVR (Loan-to-Value Ratio): Most lenders cap at 70-80% for SMSF loans. Higher LVR means a smaller deposit required.
Property Type: Not all lenders finance commercial property. Check eligibility before applying.
Fees: Application fees, ongoing fees, and valuation fees can vary significantly between lenders.
Loan Structure: Some lenders offer interest-only periods up to 5 years, which can improve cash flow during the accumulation phase.
Turnaround Time: Non-bank lenders often have faster approval times (5-10 business days) compared to banks.

Rates last updated: March 2026. Contact SMSF Property Loan for current rates.

The SMSF Property Loan team helps Australians buy property through their SMSF. We compare 20+ specialist lenders to find your best rate — at no cost to you.