SMSF Home Loans

With variable rates from

4.89% p.a. Variable

5.43% p.a.* Comparison

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PREPARE FOR THE FUTURE WITH A SMSF LOAN

Build and manage your own nest egg with a Self-Managed Super Fund.

Reduce Home Loans’ SMSF options are hot on the market now, with low rates and packed with features. Beat the banks and take control of your future, SMSF variable rates as low as 4.89%p.a., 5.43%p.a.* comparison.

Our SMSF loan range covers LVR range of 60% – 80%. If you’re not sure, we’ll be happy to assist you. Give us a call on 1300 REDUCE (733 823) and speak to one of our Personal Finance Managers about your options.

SMSF loans - Reduce Home Loans

THE BASICSMetro 65% LVRMetro 70% LVRMetro 75% LVRMetro 80% LVRRegional 60% LVR
Rate4.89%p.a. Variable
5.43%p.a.* Comparison Rate
5.29%p.a. Variable
5.82%p.a.* Comparison Rate
5.79%p.a. Variable
6.33%p.a.* Comparison Rate
6.19%p.a. Variable
6.74%p.a.* Comparison Rate
6.19%p.a. Variable
6.72%p.a.* Comparison Rate
PurposeInvestment PurchaseInvestment PurchaseInvestment PurchaseInvestment PurchaseInvestment Purchase
EligibilityCorporate TrusteeCorporate TrusteeCorporate TrusteeCorporate TrusteeCorporate Trustee
Minimum Amount$50,000$50,000$50,000$50,000$50,000
Maximum Amount$1,250,000$1,250,000$1,250,000$1,250,000$1,250,000
LVR65%70%75%80%60%
Loan TermUp to 30 yearsUp to 30 yearsUp to 30 yearsUp to 30 yearsUp to 30 years
Rate OptionsVariable
Fixed up to 5 years
Variable
Fixed up to 5 years
Variable
Fixed up to 5 years
Variable
Fixed up to 5 years
Variable
Fixed up to 5 years
FEATURES
Multiple Accounts100% offset available - add 0.10%100% offset available - add 0.10%100% offset available - add 0.10%100% offset available - add 0.10%100% offset available - add 0.10%
Redraw FacilityYes. Redraw available from offset accountYes. Redraw available from offset accountYes. Redraw available from offset accountYes. Redraw available from offset accountYes. Redraw available from offset account
Account AccessInternet & Phone transfer access to offset accountInternet & Phone transfer access to offset accountInternet & Phone transfer access to offset accountInternet & Phone transfer access to offset accountInternet & Phone transfer access to offset account
StatementsHalf yearlyHalf yearlyHalf yearlyHalf yearlyHalf yearly
Minimum Fund Balance$120,000$120,000$120,000$120,000$120,000
Liquidity Requirement7.50% of loan amount7.50% of loan amount7.50% of loan amount7.50% of loan amount7.50% of loan amount
REPAYMENTS
TypePrincipal & Interest
Interest Only (Add 0.50%)
Principal & Interest
Interest Only (Add 0.50%)
Principal & Interest
Interest Only (Add 0.50%)
Principal & Interest
Interest Only (Add 0.50%)
Principal & Interest
Interest Only (Add 0.50%)
FrequencyWeekly, Fortnightly & Monthly
(Weekly & Fortnightly not available for Interest Only repayments)
Weekly, Fortnightly & Monthly
(Weekly & Fortnightly not available for Interest Only repayments)
Weekly, Fortnightly & Monthly
(Weekly & Fortnightly not available for Interest Only repayments)
Weekly, Fortnightly & Monthly
(Weekly & Fortnightly not available for Interest Only repayments)
Weekly, Fortnightly & Monthly
(Weekly & Fortnightly not available for Interest Only repayments)
MethodsDirect Debit - drawn from offset accountDirect Debit - drawn from offset accountDirect Debit - drawn from offset accountDirect Debit - drawn from offset accountDirect Debit - drawn from offset account
Additional RepaymentsVariable Rate: Extra repayments may be made at any time without penalty
Fixed Rate: $20,000 max allowable extra repayments per Anniversary Year
Variable Rate: Extra repayments may be made at any time without penalty
Fixed Rate: $20,000 max allowable extra repayments per Anniversary Year
Variable Rate: Extra repayments may be made at any time without penalty
Fixed Rate: $20,000 max allowable extra repayments per Anniversary Year
Variable Rate: Extra repayments may be made at any time without penalty
Fixed Rate: $20,000 max allowable extra repayments per Anniversary Year
Variable Rate: Extra repayments may be made at any time without penalty
Fixed Rate: $20,000 max allowable extra repayments per Anniversary Year
FEES
Application Fee$570$570$570$570$570
Establishment Fee$1095$1095$1095$1095$1095
Valuation Fee$250 - Covers up to $330$250 - Covers up to $330$250 - Covers up to $330$250 - Covers up to $330$250 - Covers up to $330
Legal Fees$1395 - Plus disbursements, government charges & PEXA fee$1395 - Plus disbursements, government charges & PEXA fee$1395 - Plus disbursements, government charges & PEXA fee$1395 - Plus disbursements, government charges & PEXA fee$1395 - Plus disbursements, government charges & PEXA fee
Fee if Liquidity Requirement is MetN/AN/A0.50% of loan amount0.75% of loan amount0.50% of loan amount
Fee if Liquidity Requirement is Not Met<60% LVR: 0.70% of loan amount
>60.01 - 65% LVR: 0.90% of loan amount
1.10% of loan amount1.30% of loan amount1.50% of loan amount0.50% of loan amount
Settlement Fee$150$150$150$150$150
Annual Fee$395$395$395$395$395
Post Approval: Loan Amendment Fee$150 for restructure of loan$150 for restructure of loan$150 for restructure of loan$150 for restructure of loan$150 for restructure of loan
Post Approval: Solicitor Re-document Fee$85 for restructure of loan$85 for restructure of loan$85 for restructure of loan$85 for restructure of loan$85 for restructure of loan

*SMSF Comparison Rate calculated based on liquidity requirements met. See page footer for full Comparison Rate Warning.

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