Find the best Home Loan for you
The calculator below helps you determine the interest rate and loan repayment based on your loan amount and product selection. Please speak to an accredited Regional Australia Bank lender to ensure the product you select aligns with your financial goals. The calculator is intended as a guide to help you better understand your options.
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Self Managed Super Fund Loan
Enjoy personalised service to navigate the complexities of SMSF property investment.
Enjoy personalised service to navigate the complexities of SMSF property investment
Our Self Managed Super Fund (SMSF) Loan is specifically designed to help you invest in property through your SMSF whilst offering competitive rates and flexible terms, all while maintaining control of your superannuation strategy.
Why will our Self Managed Super Fund Loan suit you:
Features & Benefits
Features
| Split loans available | N/A |
| Repayment options | Principal & Interest |
| Minimum amount | $100,000 |
| Maximum term |
25 years Residential Security 15 years Commercial or Rural Security |
| Advance payments | Yes |
| Redraw | No |
| Repayment frequency | Monthly |
| Minimum deposit (No LMI) |
20%-30% Residential Security 35% Commercial Security 50% Rural Security 1 |
| Interest Rates | Contact our Commercial Lending Team for details |
Fees
| Monthly service fee | None |
| Redraw fee | N/A |
| Approval fee | $1,500 |
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The Self Managed Super Fund (SMSF) Loan is tailored to provide loans to trustees of authorised regulated Australian Self Managed Super Funds (SMSFs) to borrow for the purpose of purchasing residential property2.
It's important to consider that borrowing through your SMSF to invest in property can be a complex strategy. We require that you source independent Legal and Financial advice before applying.
Regional Australia Bank requires the trustee to be Corporate Trustees when borrowing to invest in property.
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Support for our members
If you’re experiencing financial hardship, or other challenging circumstances, let us help.
Financial assistance
If the unexpected happens, and you have missed a repayment or you’re unable to meet your repayments, please get in touch.
Lost or stolen card
If your card has gone missing, or it’s been stolen, you should immediately block it and request a replacement.
Technical Support
If you experience any technical issues with online access or account features, our team is available to assist you.
Disclaimers
1
LVR is 70% for properties in towns with populations of 5,000 to 20,000; 80% for properties in towns with populations over 20,000.
2
The Self Managed Super Fund Housing Loan is only available for purchases with residential security only and must be secured by a first registered mortgage over the property being purchased. It is not available for owner-occupied property, vacant land (unless rural acreage), specialised securities (pubs, motels and service stations etc.), renovations, repairs, credit increases, construction loans, second mortgages or low doc loans. We require that you seek your own financial, tax, and legal advice before borrowing to invest in super.