SMSF Loan Interest Rates — What You'll Pay in 2026

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%.

What is the average SMSF loan interest rate in Australia?

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%.

Can I get a fixed rate on an SMSF loan?

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.

Do SMSF loan rates change with the RBA cash rate?

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.