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  2. Self-Managed Super Funds

Self-Managed Super Funds Accounts

Secure your future with our great value SMSF products

From investing in property or term deposits to using our convenient cash management account, take good care of your future with Australian Unity SMSF products.

Specifically designed for self-managed super funds, Australian Unity’s SMSF Cash Management Account (CMA) allows you to hold large cash balances for trading or investing while earning a competitive interest rate.

How to apply
Earn interest on your balance while maintaining full access to your funds
No minimum investment or deposit
Manage your account and access funds easily with Internet Banking
How to apply

Make a deposit of $5,000 or more with the confidence of knowing exactly how much interest you will earn. Choose a term from 1 month to 5 years and select from a range of interest payment options

How to apply

Self Managed Super Fund Term Deposits at a glance

$5,000 minimum deposit
Choose from a range of interest payment options
Terms from 1 month to 5 years
Term
Interest Credited

 >$5000*

 At Maturity

Half Yearly

Annually

 1 Month

 1.10%

 

 

 2 Months

 1.10%

 

 

 3 Months

 1.95%

 

 

 4 Months

 1.85%

 

 

 5 Months

 1.85%

 

 

 6 Months

 1.95%

 

 

 7 Months

 1.85%

 

 

 8 Months

 1.85%

 

 

 9 Months

 1.90%

 

 

 10 Months

 1.75%

 

 

 11 Months

 1.75%

 

 1 Year

 1.95%

 

 2 Years

 

 1.94%

 1.95%

 3 Years

 

 1.94%

 1.95%

 4 Years

 

 1.89%

1.90%

 5 Years

 

 1.89%

 1.90%

Interest rates current as at 23 July 2019 and are subject to change.

How to apply
This loan is currently not available.  

This loan may assist you with new investment opportunities and strategies as it allows the Self Managed Superannuation Fund to borrow to invest in property while limiting the loan liability to that particular investment only. As part of a sound strategy, this loan may provide income and capital growth opportunities for your Self Managed Superannuation Fund. Please refer to your financial adviser before considering a SMSF Limited Recourse Loan.

Invest in property while limiting the loan liability to that particular investment only

Great value variable and fixed rates

Choose between variable and fixed rate options along with interest only repayments for up to 5 years.

100% loan offset available

Offset your loan with cash held in an attached SMSF cash management account. This can result in lower interest payments.

Flexible Loan Terms

Up to 25 years for residential investment property and 15 years for commercial investment property.

Borrow up to 75% of the property’s value (LVR)

Borrow up to 75% LVR for residential investment properties and 60% for commercial investment properties.

Rates

Principal and Interest


Current Rate p.a 

Comparison Rate p.a.

Variable

  6.43%

6.61%

1 yr fixed

 5.95% 

6.56%

2 yr fixed

  5.99%

6.52%

 3 yr fixed

 6.19%

 6.54%

 4 yr fixed

 6.30%

6.56% 

 5 yr fixed

 6.35%

6.57% 



Interest Only


Current Rate p.a 

Comparison Rate p.a.

Variable

  6.93%

7.11%

1 yr fixed

 6.45% 

7.06%

2 yr fixed

  6.49%

7.02%

 3 yr fixed

 6.69%

 7.02%

 4 yr fixed

 6.80%

7.06% 

 5 yr fixed

 6.85%

7.08% 

Chat with us

Whether it’s understanding terminology, you’re looking to apply or you have a question about your account we can help you with all your banking questions.

Speak with us today

Monday to Friday - 8.30am to 5.30pm AEST

Call 1300 790 740

Have us call you within 1 business day

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Important information

Fees and charges apply for all transaction, savings and deposit accounts, loans and credit cards which are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. 237994. Please refer to Terms of Use before applying for any product.

Terms & Conditions

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

SMSF Term Deposits

A Term Deposit is a cash investment made with us for a fixed term at an agreed interest rate.

Minimum deposit amount is $5,000.

Please refer to the ‘Schedule of Interest Rates – Transaction, Savings and Investments ’ for the available options; interest may be added to the term deposit, or credited to an eligible Australian Unity account.

Early redemption – In accepting a fixed term deposit you agree to invest those funds with Australian Unity for the nominated term. The acceptance of an early redemption request will be subject to an interest adjustment, calculated as a percentage on the actual term of the deposit, referenced to the original maturity date.
Please read our Terms and Conditions and Privacy Policy before applying.

SMSF Limited Recourse Investor Loan

*Loan Comparison Rate is based on a secured loan $150,000 over a term of 25 years with fortnightly repayments. Comparison Rate is effective 1 March 2018. WARNING: the Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Normal lending criteria apply. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. All information is correct as at 1 March 2018 and is subject to change.

What is a Comparison Rate? To find out more click here.

Key facts sheets Refer to the key facts sheet detailing the facts relating to your loan, including interest rate, repayments and fees, which can be used for comparison with other similar products on the market.

Fees and Charges Refer to Fees and Charges for information on current fees and charges.