MCCA's Amlak SMSF Facility suits residential property purchases or refinances, with fixed or variable rental facility fees, flexible repayments, and fast approvals. Borrow $50,000–$3,000,000 (up to 80% LVR), make unlimited extra repayments on variable facilities, and pay $0 ongoing fees, with no application, settlement, or legal fees on refinances.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.79% | 7.82% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | SMSF | CDR | 1 Nov 2026 |
| 7.89% | 7.86% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | SMSF | CDR | 1 Nov 2026 |
| 8.34% | 8.09% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | SMSF | CDR | 1 Nov 2026 |
| 7.29% | 7.36% | Variable · investment · principal and interest · LVR 60% or less | SMSF | CDR | 1 Nov 2026 |
| 7.34% | 7.41% | Variable · investment · principal and interest · LVR 60%–70% | SMSF | CDR | 1 Nov 2026 |
| 7.74% | 7.81% | Variable · investment · principal and interest · LVR 70%–80% | SMSF | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
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- 1 Nov 2026
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https://prd.pm.productdata.au/634f7ed1-e01b-44ef-8ad2-8a7465c9c40a/adapter/cds-au/v1/banking/products/amlak-smsf- Content hash
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Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $965.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Discharge Administration Fee | Exit | $300.00 |
| Discharge Documentation Fee | Exit | $250.00 |
| Documentation Fee | Event | $490.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Allows borrowers to make additional repayments on the facility to reduce rent and pay off the facility faster. Limited to $10,000 per year for fixed facility types. | |
| Eligibility: other | Eligible for consumers with a Self-Managed Super Fund (SMSF) where the trustee of the super fund is a corporate entity. | |
| Eligibility: min age | 18 | Applicants must be at least 18 years old to apply for this finance facility. |
| Eligibility: residency status | Are Australian or New Zealand citizens living and working in either Australia or New Zealand, or are Permanent Residents of Australia living and working in Australia. | |
| Limit: min limit | 50000.00 | |
| Limit: max limit | 3000000.00 | |
| Limit: other | P15Y | |
| Limit: other | P30Y |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.79% | 7.82% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 8.34% | 8.09% |
| Variable · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 7.29% | 7.36% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.89% | 7.86% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.34% | 7.41% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.74% | 7.81% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. 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. Fees and charges are payable.
Tags
| Tag | Meaning | Effect |
|---|---|---|
purpose:smsf | SMSF | Left out of the standard home loan table |
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