SMSF property lending

If you're thinking of borrowing to invest in property through your SMSF, talk to our business bankers. They can explain the process, set up your SMSF loan and, if you've not yet entered into a contract of sale, help set up your security trust.

If you're ready to go, complete our Application for finance of property: Self-Managed Super Fund (PDF, 655KB).

Minimum loan amount $20,000
Maximum loan term Up to 15 years for commercial and rural property
Legal Fees* Commercial and rural - $2,499
Variable or fixed rate Choose either the flexibility of a variable rate or the certainty of a fixed rate for 1-5 or 10 years
Interest only repayments option Up to five years interest only in arrears
Maximum loan to property value
  • Commercial property: borrow up to 70% of the property value
  • Rural property: borrow 35% - 65% of the property value

I want to know more about SMSF property investing

Read articles or watch some of our expert videos on the benefits and risks of borrowing to invest in property through your SMSF.

Switzer Super Sessions: Gearing through your SMSF

Watch Peter Switzer and Paul Rickard from Switzer Super Report explore gearing within an SMSF including the advantages and risks.

Switzer Super Sessions: Borrowing to invest in property

Peter Switzer and Paul Rickard from Switzer Super Report discuss the advantages and disadvantages of borrowing through your SMSF to invest in property.

SMSFs and the argument for business real property

SMSFs have a very powerful story for anyone wanting to invest in commercial, retail and industrial property.

Important loan information Features not available for SMSF loans: construction or property development, vacant land purchase, redraw, adding loans to packages, limit increases, or split loans. NAB also requires the trustees to be Corporate Trustees when borrowing to invest in property. Fees and charges are payable. Terms and conditions apply and are available on request. *Standard transactions involving single purchase by one SMSF. Additional legal fees may be incurred for complex transactions or negotiation with customer’s representative.