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SMSF Residential Loans

Residential property investment through a Self-Managed Superannuation Fund. Application and settlement fees currently waived. From 7.09% p.a.

Overview

Better Choice’s SMSF Residential loan allows SMSF members to invest in residential property through their fund, with a competitive rate structure and limited-time fee waivers on both application and settlement — reducing the upfront cost of establishing an SMSF property investment.

With rates from 7.09% p.a., a maximum LVR of 80%, and loan amounts up to $2.5 million for Category 1 postcodes, the product supports a meaningful range of residential SMSF investment strategies. Both P&I and IO repayments are available, and the product is structured to comply with the superannuation borrowing rules under a Limited Recourse Borrowing Arrangement (LRBA).

Contact your BDM for the full product fact sheet and trustee documentation requirements applicable to SMSF Residential applications.

Features

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Application and settlement fees waived

Both the application fee and settlement fee are currently waived on SMSF Residential loans — a limited-time offer that significantly reduces upfront costs.
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Rates from 7.09% p.a.

Competitive P&I rates from 7.09% p.a. for LVR ≤ 50%, across the full LVR range up to 80%.
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Up to 80% LVR

Maximum LVR of 80% for Category 1 postcodes. Maximum $2.5m Cat 1 at ≤70% LVR, $2m Cat 1 at ≤80% LVR. See fact sheet for full limits.
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Interest only available

IO repayments available on SMSF Residential loans, supporting SMSF investment strategy and internal fund cash flow.
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LRBA compliant structure

Structured to comply with superannuation borrowing rules under a Limited Recourse Borrowing Arrangement. Appropriate trustee documentation required.
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Documentation fee only $25

With application and settlement fees waived, only the $25 documentation fee applies — keeping upfront costs minimal for your SMSF clients.

Have an SMSF residential scenario?

Submit your client's SMSF details and our BDM team will confirm eligibility and help you structure the application.
Submit a scenario

Helpful information

Product and rates guide

Full SMSF Residential product details, trustee requirements, and fees.
Download

Application checklist

Checklist of documents required for an SMSF Residential application.
Download

Servicing calculator

Estimate SMSF borrowing capacity for residential property.
Use calculator

Frequently asked questions

What trustee structure is required?

The SMSF trustee (borrower) and the property trustee (mortgagor) must be separate corporate trustee companies. All directors, shareholders, and beneficiaries of both companies must provide unconditional joint and several personal guarantees.

What is the minimum SMSF fund balance?

The SMSF must hold a minimum of $100,000 in net tangible assets at the time of application.

What is the maximum LVR?

Up to 80% LVR for Category 1 postcode securities. Maximum loan amounts up to $2.5m for Category 1 at 65% LVR.

Are the application and settlement fees currently waived?

Yes — both the application fee and settlement fee are currently waived on SMSF Residential. This is a limited-time offer; confirm current fee status with your BDM or refer to the current Product & Rates Guide.

Can the SMSF loan be used for cash out?

No. The SMSF Residential product is for purchase or refinance only. Cash out and equity release are not available.

What types of residential property are acceptable?

Standard completed residential investment properties in acceptable postcode categories. Use the Postcode Selector at [link] to confirm category. High-density properties (>50 units) may be subject to lower LVR limits — confirm with your BDM.

Is redraw available?

Refer to the current product fact sheet or contact your BDM to confirm the latest product features.

Things you should know

Rates indicated are for illustrative purposes only, are subject to change without notice, and do not constitute an offer of credit. Actual rates are determined at the time of assessment. Eligibility criteria, fees, and charges apply. This information is prepared by Better Choice Home Loans and is intended for use by licensed mortgage brokers only. It is not to be distributed to consumers or used as the basis for consumer credit advice. Better Choice Home Loans ABN 79 095 728 868 Australian Credit Licence 378333.