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SMSF loan broker
Secure property finance through your super
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Access to specialist SMSF lenders
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Support with compliant loan structures
Specialists in self managed super fund property lending Australia-wide
Expert SMSF finance brokers
Loans starting from
$250K to $10M
Purchasing property through a Self Managed Super Fund requires specialist knowledge, strict compliance, and careful structuring. SMSF loans are governed by complex superannuation laws and lender policies that differ significantly from standard mortgages.
An error in documentation, structure, or timing can lead to delays, rejected applications, or compliance issues. That is why working with an experienced SMSF loan specialist can be valuable.
We work closely with trustees, accountants, financial advisers, and solicitors to explore compliant property finance options. Our focus is on supporting appropriate structures and compliance.
With access to specialist SMSF lenders and private funders, we support a range of property investment scenarios across Australia.
Specialist experience
Supporting clients with structured property finance through superannuation.
SMSF lender network
Access to specialist SMSF and property lenders.
Compliance focus
We help structure loans aligned with superannuation regulations.
SMSF Property Lending Specialists
We manage the SMSF lending process from start to finish. This includes lender selection, compliance checks, documentation review, application preparation, and settlement coordination. Our role is to help ensure your SMSF loan is structured appropriately and aligned with relevant regulations. We assist with:
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Residential SMSF property purchases
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Commercial SMSF property investments
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Business premises through super
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SMSF refinancing
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Limited recourse borrowing arrangements
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Bare trust structures
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Related party lease arrangements
While you focus on your retirement investment strategy, we manage the lending process.
Residential SMSF Property Loans
Residential SMSF property loans allow trustees to purchase investment property through their super fund under strict regulatory guidelines. These loans must be structured using a Limited Recourse Borrowing Arrangement, where the lender's rights are limited to the purchased asset.
We assist trustees in exploring finance options for apartments, townhouses, and houses that meet lender and regulatory requirements. This includes reviewing property type, location, valuation considerations, and rental potential.
Lenders assess fund balances, contribution history, liquidity levels, and member age. We prepare applications that demonstrate financial stability and viability.
We also coordinate bare trust establishment, legal documentation, and settlement sequencing. This helps ensure your transaction complies with superannuation law and lender policy.
Our objective is to help you explore residential property acquisition within your SMSF with appropriate regulatory compliance.
Commercial SMSF Property Loans
Commercial property may be suitable for SMSF investment due to rental yields and lender acceptance. Many business owners also use SMSF loans to purchase their own premises and lease them back to their operating entity.
We assist with financing offices, warehouses, retail spaces, medical suites, and industrial properties through SMSFs. This includes structuring compliant related party lease arrangements at market rates.
Lenders assess tenant strength, lease terms, fund cash flow, and asset quality. We position applications to address these factors appropriately.
Commercial SMSF loans often allow different borrowing parameters than residential loans. We work to structure facilities that balance investment potential with retirement security.
From purchase to ongoing management, we support trustees throughout the property lifecycle.
Limited Recourse Borrowing Arrangements
All SMSF property loans must operate under a Limited Recourse Borrowing Arrangement. This structure protects other fund assets by limiting lender claims to the purchased property.
We coordinate the establishment of bare trusts, corporate trustees, and loan documentation to meet legislative requirements. Errors in this process can invalidate the arrangement and create compliance risks.
Our brokers work closely with legal and accounting professionals to help ensure all entities are established correctly before contracts are exchanged.
We also review loan terms to help ensure they meet arm's length standards and audit requirements. This helps protect your fund from regulatory scrutiny.
Appropriate LRBA structuring is a foundation of SMSF property investment.
SMSF Refinancing and Restructuring
Refinancing an SMSF loan may help reduce interest costs, improve cash flow, or release surplus funds for investment. However, refinancing must be handled carefully to maintain compliance.
We review your existing loan structure, interest rate, fees, and trust arrangements before exploring alternatives. Some older SMSF loans may no longer be competitive.
Lenders reassess fund strength, property value, and compliance status during refinancing. We prepare documentation to support the process.
Where fund structures have changed, we assist with exploring restructuring strategies that remain compliant.
Our goal is to help ensure refinancing supports your retirement position.
Business Premises Through SMSF
Many business owners use SMSFs to purchase their own commercial premises, allowing rent payments to support retirement wealth rather than going to third party landlords.
We assist trustees in structuring these arrangements in line with related party transaction rules. Lease agreements must reflect market conditions and be independently documented.
Lenders closely examine these transactions. We work to ensure applications clearly demonstrate commercial viability and compliance.
We also coordinate with accountants and advisers to help integrate property ownership into broader retirement strategies.
This approach may support long term financial outcomes when structured correctly and with appropriate advice.
OUR LENDING PARTNERS
Strong SMSF lender network
We work with specialist SMSF lenders, funders, and financiers. This allows us to support both straightforward and complex superannuation property investments. Our lender relationships provide policy insight and can support approval processes. We prioritise compliance, transparency, and suitability in every recommendation.
Specialist advice on SMSF property loans
SMSF lending is highly regulated and documentation intensive. Trustees must meet strict standards at every stage. We provide clear guidance, realistic timeframes, and compliance-focused support. Our process aims to reduce risk and increase certainty.
Apply Online
Begin your SMSF loan enquiry securely with specialist support.
Get Pre-Approval
Understand your fund's potential borrowing capacity before committing.
SMSF Loan Specialists
Dedicated brokers managing compliant super fund lending.
Frequently Asked Questions
An SMSF loan is a property loan taken out by a Self Managed Super Fund under a Limited Recourse Borrowing Arrangement. The lender's security is limited to the purchased property. These loans must comply with superannuation legislation.
Most lenders allow between 60 percent and 80 percent of the property value depending on asset type and fund strength. Residential loans are usually capped lower than commercial. We assess your fund to help determine realistic borrowing parameters.
Lenders require trust deeds, financial statements, member balances, bare trust documents, contracts, and identification. Additional legal and compliance documents are also needed. We provide a detailed checklist.
Yes, for commercial property only. The lease must be at market rates and properly documented. Residential related party leasing is prohibited under superannuation law.
Interest and expenses are generally deductible within the fund when used for investment purposes. This depends on individual circumstances. We recommend seeking professional tax advice from a qualified accountant.
SMSF loans typically take longer than standard mortgages due to compliance checks. Timeframes range from four to ten weeks. Thorough preparation can help reduce delays.
Yes, subject to lender policy and compliance requirements. We assess whether refinancing may improve your fund's position. Structure and compliance are critical considerations.
Lenders monitor liquidity closely. We assist with exploring restructuring options, contribution planning, and alternative funding strategies. Early engagement is important.
Yes, SMSF lending should be supported by qualified professionals. We regularly coordinate with accountants, auditors, and advisers. This supports compliance and appropriate structuring.
SMSF lending involves legal, tax, and regulatory complexity. A specialist broker understands these requirements and lender expectations. This can help reduce risk and support better outcomes.