SMSF loans

Lending solutions designed to help self-managed super funds (SMSFs) acquire residential or commercial property, with structures that align to SMSF requirements and your long-term objectives.

Overview

BNK’s SMSF loans are designed for trustees looking to invest in property through their Self-Managed Super Fund, while meeting the specific regulatory and structural requirements of SMSF borrowing.

Whether you’re acquiring residential or commercial property, BNK provides specialist SMSF lending backed by experienced credit assessors and a clear, transparent process. Our approach focuses on prudent lending, strong governance, and structures that support long-term retirement outcomes.

With competitive rates, flexible loan terms, and a team experienced in SMSF lending, BNK supports trustees in growing their retirement wealth with confidence.

Features

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Purpose-built for SMSFs

Structured to meet ATO and superannuation legislative and compliance requirements.
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Limited recourse structure

Other SMSF assets remain protected in the event of default.
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Competitive interest rates

Lending solutions designed to suit long-term investment needs.
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Residential and commercial property options

Fund a wide range of SMSF-approved property types.
Flexible Terms

Flexible loan amounts and terms

Choose the finance solution that fits your business size and goals.
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Specialist support

Work with a team that understands SMSF lending and regulatory requirements.

Start your SMSF property investment journey

Apply for a BNK SMSF Loan and invest in property with a lending partner that understands superannuation compliance and long-term strategy.
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Helpful information

Terms and conditions

Terms and conditions that apply to our loan products, including details on eligibility, fees, and repayments.
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Serviceability calculators

Use our calculators to estimate how much you may be able to borrow and what your repayments could look like.
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Credit guide

Find out what’s included in our Credit Guide and how it helps you understand our lending process.
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Things you should know

Applications are subject to credit approval and Loan Terms and Conditions which are available here.

References to “LVR” mean Loan to Value Ratio which is calculated by dividing the loan amount by the value of the property (as determined by us). There may be a difference between the purchase price and the value of the property.

Comparison Rates provided include the interest rate and most standard fees and charges that must be paid over the life of the loan and  are calculated on a loan amount of $150,000 for a term of 25 years based on monthly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

The information provided is of a general nature and does not consider your individual objectives, financial situation, or needs. You should assess its appropriateness in light of your circumstances and seek independent financial advice before making any decisions and read the relevant terms and conditions and product documents.