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Super Fund Home Loan

Use your Self Managed Super Fund to buy residential investment property
  • A BankSA Super Fund home loan is a great option if you already have an SMSF, or if you’re planning to establish an SMSF and are interested in buying a residential investment property.

A BankSA home loan expert will contact you at your preferred time

Who maybe eligible?

  • You have a self-managed super fund or are planning to establish one
  • You want to purchase residential investment property using your superannuation fund
  • You have received independent financial and legal advice
  • You have a minimum SMSF fund of $200,000, upon application

Potential Benefits

  • The flexibility to diversify your SMSF portfolio to include real estate

Competitive interest rates

Choose a:

  • Variable interest rate
  • Fixed interest rate, or
  • A combination of both

Choice of loan term & repayments

  • Your choice of repayment type
  • Choice of term up to 30 years for principal and interest repayments or up to 5 years for interest-only repayments

Great features!

Features include 

Loan Amount

  • Minimum - $100,000 
  • Maximum - $2,000,000

Loan to Value Ratio

  • Up to 70% where SMSF trustee is an individual or a company

Compare

 

 

 

Fees

Establishment fee

$15002

Monthly administration fee

$12

Other fees and charges apply. See a complete list of fees for loan accounts.

Residential investment interest rates
 

Term Annual rate Comparison rate1
Principal & Interest
Variable Rate 6.53% p.a. 6.78% p.a.
Fixed Rate
1 year fixed 5.99% p.a. 6.72% p.a.
2 year fixed 5.99% p.a. 6.67% p.a.
3 year fixed 6.09% p.a. 6.65% p.a.
4 year fixed 6.39% p.a. 6.73% p.a.
5 year fixed 6.39% p.a. 6.72% p.a.
Interest only
Variable Rate 7.07% p.a. 7.32% p.a.
Fixed Rate
1 year fixed 6.44% p.a. 7.25% p.a.
2 year fixed 6.44% p.a. 7.19% p.a.
3 year fixed 6.54% p.a. 7.16% p.a.
4 year fixed 6.84% p.a. 7.23% p.a.
5 year fixed 6.84% p.a. 7.22% p.a.

Repayment options for Super Fund Home Loans

Frequency

Choose either:

  • Principal and interest repayments, or for up to 30 years, or
  • Interest only repayments  for up to 5 years

Weekly

Fortnightly

Monthly

Loans with Principal and interest repayments

yes

yes

yes

Loans with Interest Only repayments

no

no

yes

Additional payments

  • On Super Fund Variable Rate loans, make additional payments at any time
  • On Super Fund Fixed Rate loans, make up to $10,000 each year in extra repayments without incurring break costs
  • Calculate what you could save by making extra payments.

Automatic repayments

Set up convenient automatic repayments from your nominated account

How to apply

Important information

Conditions, fees and credit criteria apply.

View the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.
The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 13 76.

This is not taxation advice. Customers should seek independent taxation advice on any taxation matters.

1. Other upfront fees and costs may apply

2. Where a fixed rate term applies, after the fixed rate period expires the interest rate will revert to the relevant Standard Variable Rate.