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SMSF property loan interest rates are consistently 1.0%–2.0% higher than standard owner-occupier variable rates. In April 2026, the typical range for residential is 7.49%–8.49% and for commercial is 7.99%–9.49%.
As at April 2026, SMSF residential variable rates average 7.49%–8.49%, roughly 1.0%–2.0% above standard owner-occupier rates. SMSF commercial rates are higher at 7.99%–9.49%.
Yes. Most SMSF lenders offer 1–5 year fixed rate terms. SMSF fixed rates are typically 7.19%–7.99% for residential properties in the current market.
Yes, variable SMSF loan rates generally follow RBA cash rate movements, though not always in lockstep. SMSF lenders may pass on rate changes with a lag.
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