SMSF Loans
Self-managed super fund loans can help you boost your retirement nest egg through direct property! We can help you
- Use your SMSF to purchase the commercial premises your business has been leasing
- Purchase residential or commercial investment property using your SMSF
- Refinance your existing SMSF loan to improve investment returns
Residential &
Commercial Lending
What You Need to Know About SMSF Property Loans
Thinking about buying property through your super? SMSF loans aren't something you want to rush into. There are more rules, bigger deposits, and a bit more admin compared to a normal home loan.
Before diving in, it's worth understanding how SMSF property loans actually work, what you're allowed and not allowed to do with the property, and whether you're happy being hands-on with your super. Getting your head around this stuff early can save you a lot of stress later on.
Investment Strategy
First things first, every SMSF needs an investment strategy. This is basically your game plan for how your super is going to grow and support you in retirement. If putting one together feels a bit over your head, that's completely normal — it's worth getting help from a financial adviser to make sure it's done properly.
As the trustee of your SMSF, you're the one making the calls. Your investment strategy sets out what you'll invest in and why, so your decisions line up with what the members of the fund actually want down the track.
Part of the Bigger Picture
Property is just one piece of the puzzle. It sits alongside other asset types like shares, bonds, and cash. The key is making sure everything works together, rather than putting all your eggs in one basket.
That could mean buying, holding, or selling different types of assets to hit those long-term goals. Having a clear strategy makes the decision-making process much easier as your fund grows.
Understanding the Process
How SMSF Loans Work
SMSF Loan Structure
When an SMSF buys a property using a loan, a separate bare trust is set up to hold the property for the SMSF. Think of it as a legal holding bucket — the property sits there, but it's really owned for the benefit of your super fund. This trust is usually run by a corporate trustee to keep everything clean and compliant.
Property Purchase
Your SMSF borrows money to buy the investment property, which is held in a separate trust set up just for that property. The SMSF usually puts in the deposit and covers the ongoing costs, while the loan takes care of the rest of the purchase price. Any rent and growth flows back into your SMSF.
Loan Terms
SMSF loans are usually set up as a Limited Recourse Borrowing Arrangement (LRBA). In plain English, if things don't go to plan and the loan defaults, the lender can only go after the property bought with the loan — they can't touch the rest of your super.
Repayments
The loan repayments are made by your SMSF and usually cover both the loan and interest. Any rent the property earns is paid straight back into the fund, helping to cover repayments and ongoing costs, while also building up your super balance over time.
Factors That Impact Your Borrowing Power
- How much money is already in your SMSF
- The value of the investment property
- The rental income and whether it can help cover the loan repayments
- How much you're contributing to your SMSF each year
- The credit history of the SMSF trustees
Get Started
SMSF Loan Enquiry
The information below helps us assess whether your SMSF may be eligible for a loan and gives us a clearer picture of your borrowing options.
Check likelihood of approval
Get an indicative interest rate
See which lenders suit your situation
Know if we have enough info or need more
The more detail you provide, the more accurate and helpful our advice can be.
Enquiry Received!
Thank you for your SMSF loan enquiry. I'll review your details and get back to you within 24 hours.
Important: SMSF property investment is complex and not suitable for everyone. You should seek independent financial and legal advice before proceeding. I can help with the lending side, but recommend consulting your accountant or financial adviser about whether this strategy suits your situation.
Interested in SMSF Property?
Let's discuss your options and connect you with the right lenders and advisers.