Looking to Buy Property with Your SMSF? We’ll Help You Finance It Correctly
Using your self-managed super fund to invest in property can be a powerful strategy—but SMSF loans come with strict rules and extra complexity. We provide tailored finance solutions for SMSF property purchases, ensuring compliance while helping you make the most of your fund.
Specialist Lending for SMSF Property Investment
An SMSF loan—also known as a limited recourse borrowing arrangement (LRBA)—lets your fund purchase residential or commercial property under strict guidelines. Lenders assess these loans differently, and the borrowing process involves careful structuring. We help you understand the risks and requirements, and guide you through every step.
- Guide
How We Support Your SMSF Loan Journey
From fund compliance to lender approval, here’s how we make the process seamless:
1
Review fund eligibility and structure
We ensure your SMSF is correctly set up to borrow, with a corporate trustee, compliant trust deed, and a clearly defined investment strategy.
2
Guide you through lender policies
Not all lenders offer SMSF loans, and lending criteria can vary widely. We identify suitable options based on your fund’s contribution history, liquidity, and member profiles.
3
Assist with property selection and strategy
We help assess whether the property type—residential or commercial—meets both lender and SMSF regulatory requirements, supporting your long-term retirement goals.
4
Coordinate with your financial and legal team
We work alongside your accountant, financial adviser, and solicitor to ensure all structures are compliant and paperwork is completed correctly.
5
Secure a competitive SMSF loan
We negotiate loan terms that align with your fund’s cash flow, including interest-only or principal & interest repayments, and competitive fixed or variable rates.
Tailored Loan Options for SMSF Borrowers
We offer SMSF property loan options designed for long-term wealth creation and regulatory compliance:
- Residential or commercial property loans
- Fixed or variable interest rates
- Interest-only or principal & interest terms
- Limited recourse structures to protect fund assets
- Access to specialist SMSF lenders and major banks
- FAQs
Common Questions About SMSF Property Loans
Can I live in a property bought through my SMSF?
No. SMSFs cannot purchase residential property for personal use or that of any related party. All property must be for investment purposes only.
What are the deposit requirements?
SMSF loans typically require a higher deposit—often 20–30% or more—along with sufficient liquidity remaining in the fund after purchase.
Are SMSF loans harder to get approved?
They require more documentation and stricter assessments. We simplify the process and ensure all compliance measures are met upfront.
Can I buy a commercial property I’ll use for my business?
Yes. Your SMSF can purchase commercial property and lease it back to your business at market rates, provided it complies with super fund rules.
Let’s Talk About SMSF Property Lending
Navigating an SMSF loan requires experience, structure, and precision. Whether you’re planning your first SMSF property purchase or looking to expand your portfolio, we’re here to help you get it right. Book a no-obligation consultation today and secure your fund’s future with a compliant, well-structured loan.
