Great SMSF Rates
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Experts in SMSF Property Lending.

What is a Self-Managed Superannuation Fund? (SMSF)

  • A SMSF is a special type of trust that people can set up to manage their own superannuation.
  • Like a normal super fund, your employer contributions still get paid into the fund, and you can make additional contributions as you see fit.
  • However, unlike a normal super fund, the trustee (either you or your company) has direct control over the assets that your superannuation is invested in.
  • Many people also use their SMSF to help plan for their retirement and assist with tax planning.
Looking for low interest rates?

Oxygen SMSF offers the
most competitive loan rates in the market.

When should I apply for an SMSF loan?

  • We recommend that you apply for the loan at least two weeks before you begin looking for a property.
  • This process can be expedited if required. However, it is always best to allow additional time to avoid disappointment.
  • To begin with, contact us to get the application process started.

How can I get approval?

With Oxygen the process of applying for a SMSF loan is straight forward. We are here to help you along the way. Compared to a regular home loan, there are more documents you have to obtain and share with us, which can take some time in preparation.

Reach out via the contact us form to start the application

Quick FAQs - SMSF Lending

  • You can borrow up to $3,000,000 dollars for certain scenarios through Oxygen SMSF Loans.
  • Standard SMSF Investment Loans: Oxygen can lend up to 80% of the property value.
  • Commercial property: Oxygen can lend up to 80% of the property value for a wide range of commercial property types.
  • Refinance: Oxygen can refinance your current SMSF Loan & save you money!
  • Offset Accounts: Oxygen SMSF Loans offer the option of an 100% offset account.
  • Bad credit: Oxygen can still accept a SMSF Loan even if the SMSF member (guarantor) has had some past credit issues. This is often on a case by case basis.
  • Low doc (no income evidence): Oxygen does not offer low doc SMSF Loans.
  • Construction finance: Oxygen does not offer SMSF construction finance.

Please talk to your broker or fill in our contact us form to discuss your options.

Detailed FAQ Guide - SMSF Lending

Don't know where to start?
Talk to us today!

We're here to answer your questions and get you on your
way to the best Home Loan experience.

Terms & Conditions

  • Rates shown apply to eligible SMSF home loans only, up to 60% LVR, loan amount minimum of $50,000 up to max of $2,000,000. Rates are subject to change without notice. Terms, conditions, and eligibility criteria apply.
  • Comparison rates are based on a $150,000 loan amount over 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.
  • Best rate guarantee applies when you meet Oxygen’s lending criteria & we can’t match or better the competitors interest rate. Oxygen will issue a $100 Gift card to client. Customer must show proof of rate from alternate lender - rate must be advertised rate from an official SMSF lender, on a like for like basis (ie same LVR, same security type, same features such as offset etc). Proof of rate for existing (refinance) loans can be a lender statement.