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SMSF – Self Managed Superannuation Fund Home Loan

Description A home loan for the purchase of an investment property under a self managed superannuation fund
Eligibility PAYG and Self Employed
Loan Purpose Purchase of an investment property or refinancing an existing SMSF
Loan Amount $100,000 – $500,000
Loan Term 15 – 30 years
Maximum Loan to Value Ratio (LVR) 80%
Risk Fee Option For loans between 80% and 85% LVR a Risk Fee can be paid in place of Loan Mortgage Insurance (LMI)
LMI Premium/Risk Fee Payable Above 70% LVR
LMI Capitalisation Cannot exceed 80% LVR
Risk Fee Capitalisation Cannot exceed 85% LVR
Interest Only Option 10 years
Fixed Interest Option Available post settlement
Line of Credit Not available
Repayment Options Principal and Interest or Interest Only
Repayment Frequency Weekly, Fortnightly, Monthly
Property Requirements Registered first mortgage over Torrens, Strata or old system title
Specific Fees
  • No monthly or annual fee
  • Legal Fees from $275
  • Trust Review Fee of $800 where Gadens Lawyers establish the property trust deed, or $1,300 where Gadens Lawyers do not establish the property trust deed.
  • Break costs may apply if loan is repaid during any fixed rate period

Home Loan icon for Urban MoneyAvailable Loan Features

  • Redraw
  • Offset
  • Dynamic Repayments
  • Inward Direct Debits / Credits
  • Internal Portion Transfer (if a split loan)
  • Split loan facility
  • Inward BPAY
  • BPAY
  • Outward Third Party Direct Debits
  • Loan Access System – internet banking (View only)
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