WLTH’s Ocean SMSF Variable loan offers variable rates from 7.14% p.a. for residential property and 7.83% p.a. for commercial property, with a 100% eOffset at no extra cost. Rates are effective 6 October 2026.
| LVR | Residential (refinance only) | Commercial (purchase and refinance) |
|---|---|---|
| Up to 60% | 7.14% p.a. | 7.83% p.a. |
| From 60% – 70% | 7.24% p.a. | 7.83% p.a. |
| From 70% – 75% | 7.34% p.a. | 7.98% p.a. |
| From 75% – 80% | 7.34% p.a. | Not available |
Frequently Asked Questions
What are WLTH’s SMSF loan rates?
WLTH’s Ocean SMSF Variable loan has variable rates from 7.14% p.a. for residential property and from 7.83% p.a. for commercial property. Your rate depends on your loan-to-value ratio (LVR). Rates are effective 6 October 2026.
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 75%.
What is the maximum LVR for an SMSF loan with WLTH?
The maximum LVR is 80% for residential property and 75% for commercial property. Depending on the property’s location, a lower maximum may apply.
How much can my SMSF borrow?
Individual loans go up to $5 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 and are available for inner-city and metro locations only.
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.
How do I apply for an SMSF loan?
Ask your mortgage broker about WLTH or contact us at 13 WLTH or email hello@wlth.com
Impact Lending
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.
Disclaimers
Rates and information are correct as at 6 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.
