Firstmac’s SMSF Loan suits residential or commercial property, with fixed or variable rates, flexible repayments, and fast approvals. Borrow $50,000–$3,000,000 (up to 80% LVR), make unlimited extra repayments on variable loans, 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 |
|---|---|---|---|---|---|
| 7.84% | 7.62% | Fixed · 2 years · investment · principal and interest · LVR 80% or less | Not compared in rate tables SMSF | CDR | 1 Nov 2026 |
| Comparison rate not published. See the lender for this rate. | Fixed · 2 years · investment · principal and interest · LVR 80% or less | Not compared in rate tables SMSF | CDR | 1 Nov 2026 | |
| 7.94% | 7.68% | Fixed · 3 years · investment · principal and interest · LVR 80% or less | Not compared in rate tables SMSF | CDR | 1 Nov 2026 |
| Comparison rate not published. See the lender for this rate. | Fixed · 3 years · investment · principal and interest · LVR 80% or less | Not compared in rate tables SMSF | CDR | 1 Nov 2026 | |
| 8.39% | 7.98% | Fixed · 5 years · investment · principal and interest · LVR 80% or less | Not compared in rate tables SMSF | CDR | 1 Nov 2026 |
| Comparison rate not published. See the lender for this rate. | Fixed · 5 years · investment · principal and interest · LVR 80% or less | Not compared in rate tables SMSF | CDR | 1 Nov 2026 | |
| 7.34% | 7.36% | Variable · investment · principal and interest · LVR 60% or less | SMSF | CDR | 1 Nov 2026 |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70% or less | Not compared in rate tables SMSF | CDR | 1 Nov 2026 | |
| 7.39% | 7.41% | Variable · investment · principal and interest · LVR 60%–70% | SMSF | CDR | 1 Nov 2026 |
| 7.54% | 7.56% | Variable · investment · principal and interest · LVR 70%–80% | Not compared in rate tables SMSF | CDR | 1 Nov 2026 |
| Comparison rate not published. See the lender for this rate. | Variable · investment · principal and interest · LVR 70%–80% | Not compared in rate tables 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.
Report an error
Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-smsf- Content hash
sha256 25ff1d512032092f866b65041745a355f8943135d65542a47462147a5b697bcd- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_25ff1d512032092f_8f484ea8Show details
- Checked
- 1 Nov 2026
- URL
https://prd.pm.productdata.au/05a7dab9-5ad2-42b2-81e9-ed48e05ba21b/adapter/cds-au/v1/banking/products/fmc-smsf- Content hash
sha256 25ff1d512032092f866b65041745a355f8943135d65542a47462147a5b697bcd- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application Fee | Upfront | $0.00 |
| Documentation Fee | Event | $490.00 |
| Valuation Fee | Event | Set in your letter of offer |
| Discharge Documentation Fee | Exit | $250.00 |
| Discharge Administration Fee | Exit | $300.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Extra repayments | Allows borrowers to make additional repayments on the loan to reduce interest and pay off the loan faster. Limited to $10,000 per year for fixed interest rate 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: 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. | |
| Eligibility: min age | 18 | Applicants must be at least 18 years old to apply for this loan. |
| Limit: max limit | 3000000.00 | |
| Limit: min limit | 50000.00 | |
| Limit: other | P15Y | |
| Limit: other | P30Y |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest · LVR 60% or less | 1 Nov 2026 | Current | 7.34% | 7.36% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | Comparison rate not published | |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.84% | 7.62% |
| Fixed · 5 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 8.39% | 7.98% |
| Variable · investment · principal and interest · LVR 60%–70% | 1 Nov 2026 | Current | 7.39% | 7.41% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | Comparison rate not published | |
| Fixed · 2 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | Comparison rate not published | |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | 7.94% | 7.68% |
| Variable · investment · principal and interest · LVR 70%–80% | 1 Nov 2026 | Current | 7.54% | 7.56% |
| Fixed · 3 years · investment · principal and interest · LVR 80% or less | 1 Nov 2026 | Current | Comparison rate not published | |
| Variable · investment · principal and interest · LVR 70% or less | 1 Nov 2026 | Current | Comparison rate not published | |
*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 |
rate-selected-by-free-text | Reason this product is not ranked | |
comparison-rate-missing | Reason this product is not ranked | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
No one is registered for this product yet. Lender staff and brokers can join through verification.