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SMSF Loans
Discover the Rate Money Advantage.
Grow your property portfolio through your SMSF
Covering a wide range of property types, our SMSF loans are tailored to help self-employed investors meet their long-term financial goals or retirement outcomes.
From residential to commercial — including commercial offices, industrial units and retail shops — our SMSF products also include a fully functional offset facility.
The Rate Money advantage for
SMSF Investors
- Principal and interest terms up to 30 years
- Loan sizes up to $5m (Residential) or $10m (Commercial)
- Up to 90% LVR available on residential loans
- Borrowing power assessed using rental income, contributions and investment income
- No ongoing fees or regular property revaluations
- Offset facility available for residential SMSF properties
- No liquidity or net asset requirement.
Benefits of an SMSF Loan
- Ability to borrow within your SMSF
- Greater control over your investment structure
- Broader property investment choice
- Transparent, structured costs
- Potential benefits in pension phase
- Tax-effective long-term planning
- Estate planning flexibility.
We provide personalised support and expert advice to help you understand your options and find the perfect loan solution.
Create the future you want with our SMSF loans.
Contact Rate Money today.
Get a handle on your finances and make your next move with confidence
Our Branches
With 40 branches (and more to come), Australia’s self-employed loan experts are never too far away.
Latest news
SMSF borrowing rules explained

28 May 2026
How to invest in property using your SMSF

How to invest in property using your SMSF
Investing in property through your super is a strategy more Australians are exploring as they look to take greater control of their retirement outcome…
16 April 2026