WLTH’s Ocean SMSF Fixed loan has fixed rates from 8.04% p.a. for residential property and 8.73% p.a. for commercial property, for terms of 1 to 5 years, with a 100% eOffset at no extra cost. Residential loans are for refinancing, and commercial loans cover both purchase and refinance. Rates are effective 13 October 2026.

What are WLTH’s SMSF fixed loan rates?
WLTH’s Ocean SMSF Fixed loan has fixed rates from 8.04% p.a. for residential property and from 8.73% p.a. for commercial property. Your rate depends on your LVR and fixed term. Rates are effective 13 October 2026.

What fixed terms are available?
You can fix for 1, 2, 3, 4 or 5 years. Rates are the same for 1 to 3 year terms, and 0.10% p.a. higher for 4 and 5 year terms.

Can I get an offset account on an SMSF loan with WLTH?
Yes. A 100% eOffset is available on request at every LVR, with no increase to your interest rate. Money held in the eOffset reduces the interest your fund pays on the loan.

Can my SMSF buy a residential property with a WLTH loan?
Not at this stage. Residential SMSF loans are currently available for refinancing only. If your fund already holds a residential property with another lender, you can refinance it to WLTH.

Does WLTH lend for SMSF commercial property purchases?
Yes. Commercial SMSF loans are available for both purchases and refinancing, up to a maximum LVR of 80%.

What is the maximum LVR for an SMSF loan with WLTH?
The maximum LVR is 90% for residential property and 80% for commercial property. For residential loans above 80% LVR, a lenders protection fee applies: 2.50% up to 85% LVR and 3.50% up to 90% LVR. Interest-only loans on commercial property are limited to 75% LVR. Depending on the property’s location, a lower maximum may apply.

How much can my SMSF borrow?
Loans go up to $5 million for inner-city and metro properties, and up to $3.5 million for non-metro and regional properties, at up to 80% LVR. Residential loans above 80% LVR go up to $3 million. The maximum total borrowing for any individual borrower is $10 million. This includes loans where the individual is also a co-borrower as a director of their company. Loans over $3.5 million attract a 0.50% p.a. loading.

Is interest only available?
Yes. Interest-only repayments are available for up to 5 years, with a 0.20% p.a. loading. Interest-only loans require monthly repayments. For commercial property, interest only is available up to 75% LVR.

Does my property’s location affect how much I can borrow?
Yes. Maximum LVRs depend on the population of the area where the property is located, and properties in areas with fewer than 3,000 people are not accepted.

Do I need legal advice?
Independent legal advice is required for all newly established SMSFs.

What other WLTH SMSF loans are available?
See WLTH’s SMSF loan rates for the Ocean SMSF Variable loan.

How do I apply?
Ask your mortgage broker about WLTH, or contact us at 13 WLTH or hello@wlth.com.

WLTH is Australia’s first Impact Lender. For every loan settled with WLTH, 50m² of Australian beach and coastline will be cleaned up alongside Parley for the Oceans. Your home loan helps keep Australia’s coastline clean, at no extra cost to you.

Rates and information are correct as at 13 October 2026 and are subject to change without notice.

All loans are subject to lending criteria. Other conditions, fees and charges may apply. Legal fees do not cover disbursements, government charges or third-party contract processing fees.

The information in this article is general in nature and does not take into account your objectives, financial situation or needs. Borrowing through a self-managed super fund is complex and involves risks. Before acting on this information, consider whether it is appropriate for you and seek independent financial, legal and tax advice.

WLTH Lend Pty Ltd CRN 525 873 as authorised by WLTH Pty Ltd AFSL & ACL 525 752.