SMSF Home Loans

TY Effortless SMSF – Excellent Residential SMSF loans choice for Salaried Employees and Self-employed

Variable Rate From
p.a.
Principal & Interest
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Loan Features & Niches

SMSF home loan options designed for eligible salaried employees and self-employed borrowers seeking residential or commercial property finance through a new or established SMSF.

Loan Features

  • Loan purpose Purchase / Refinance
  • Property purpose Residential / Commercial
  • Suitable borrowers PAYG / Self-employed
  • Repayment type P&I / IO up to 5 yrs
  • Rate type Variable Rate
  • Loan size $100k – $3M
  • Maximum LVR 90% Residential / 75% Commercial
  • Loan term Up to 30 years
  • Security Apartments / Townhouses / Houses

Niches

  • Residential SMSF lending.
  • Commercial SMSF lending.
  • New or established SMSF accepted.
  • Up to 90% LVR for residential security.
  • Up to 75% LVR for commercial security.
  • $0 offset loading available.
  • 100% offset available.
  • Purchase scenarios.
  • Refinance scenarios.
  • Salaried employee applicants.
  • Self-employed applicants.
  • Principal and interest repayments.
  • Interest only up to 5 years for Alt Doc.
  • Apartments, townhouses and houses accepted.
Available Products

Loan Products

Explore TY Money lending products designed for residential, non-resident, SMSF, expat, construction and vacant land scenarios.

Australia Resident

TY Diamond / Gold / Effortless

Full & Alt Doc Residential Loans for PAYG and self-employed borrowers.

6.23% p.a.
Variable rate from
Loan Size $100k – $3.5M
Max LVR 85% / 80%
  • Purchase, refinance and equity release
  • Full Doc and Alt Doc pathways
  • PAYG and self-employed borrowers
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Non-Resident

TY Silver Non-Resident

Competitive home loans for non-residents of Australia.

7.49% p.a.
Variable rate from
Loan Size From $50k
Term Up to 30 yrs
  • Owner occupied or investment property
  • PAYG and self-employed borrowers
  • Purchase, refinance and equity release
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SMSF

TY Effortless SMSF

Residential SMSF loan options for salaried and self-employed borrowers.

6.69% p.a.
Variable rate from
Residential Up to 90%
Commercial Up to 75%
  • New or established SMSF
  • $0 offset loading
  • No mortgage insurance
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Expat

TY Silver Expat

Home loans for Australian residents with foreign income or temporary residents.

6.64% p.a.
Variable rate from
Loan Amount Up to $3M
Borrow Up to 85%
  • Temporary, permanent or citizens
  • PAYG, Full Doc and Alt Doc
  • Buying or investing scenarios
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Construction

TY Effortless Owner Builder

Competitive construction loans for eligible owner builder scenarios.

6.69% p.a.
Variable rate from
Construction Up to 95%
Loan Amount Up to $3.5M
  • High density accepted
  • NDIS construction options
  • Interest only options available
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Vacant Land

TY Infinity Vacant Land

Competitive lending options available for vacant land scenarios.

7.74% p.a.
Variable rate from
Loan Size Up to $5M
Max LVR ≤75%
  • Purchase, refinance and equity release
  • Full Doc and Alt Doc options
  • Up to 30 years loan term
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Residential

Up to 90% LVR

$0 Offset Loading

New or Established SMSF

Commercial

100% Offset Available

No Mortgage Insurance

New or Established SMSF

Loan Details

Loan purpose:

Purchase

Refinance

Equity Release

Suitable borrowers
Salaried Employees (Full Doc)

Self-employed

Repayment types

Principal and interest

Max 5 yrs IO (Alt Doc)

Interest rate types
Variable rate
Loan size

Min $100,000

Max $3M

Maximum LVR

≤90% (Residential)

≤75% (Commerical)

Max Loan Term

Up to 30 years

Acceptable security
Apartments

Townhouses

Houses

Submit Scenario

Initial Scenario Submission

Send us your basic scenario details and our team will review your enquiry.