Looking to Invest Through Your SMSF? We’re With You at Every Step
Whether you’re purchasing your first property through an SMSF or expanding your fund’s portfolio, navigating SMSF lending involves a mix of strategy, compliance, and structure. Our team specialises in SMSF loan solutions—supporting you from finance planning to settlement while ensuring the process aligns with superannuation rules and your long-term investment goals.
Strategic Finance for SMSF Property Investment
SMSF loans—technically known as Limited Recourse Borrowing Arrangements (LRBAs)—come with unique lending requirements and regulatory boundaries. We work closely with your accountant or financial adviser to help structure your SMSF loan within the legal framework, ensuring compliance while optimising the lending outcome.
- Services
Our SMSF Loan Services
We provide tailored support for each stage of your SMSF lending journey. Here’s how we help:
Loan Strategy & Structure Guidance
We assess your fund’s borrowing capacity and ensure the loan aligns with your SMSF’s investment strategy and trust deed, while remaining compliant with ATO and SIS Act requirements.
SMSF-Friendly Lender Sourcing
We connect you with lenders who specialise in SMSF loans—banks, non-banks, and private lenders—and compare rates, terms, fees, and LVRs that suit your fund’s needs.
Pre-Approval & Application Support
We help you prepare a strong application, guide you through documentation, and liaise with lenders to obtain pre-approval and formal approval without delays.
Legal & Compliance Coordination
While we don’t provide legal or financial advice, we work alongside your accountant and adviser to ensure that the trust structure, bare trust, and loan meet all regulatory and lending standards.
Property Assessment Support
We help determine whether the target property meets SMSF lending rules and lender requirements, including coordination of independent valuations.
Loan Term Negotiation
We negotiate SMSF-compliant loan terms—typically interest-only repayments, lower LVRs, and no personal recourse—designed to protect your fund’s limited liability structure.
Post-Settlement Support
We assist with refinancing, equity release strategies, and additional property purchases as your fund grows in value.
SMSF Loan Features We Can Help You Access
We connect you with lenders offering SMSF-compatible products, including:
- Limited Recourse Borrowing Arrangements (LRBAs)
- Interest-only or principal & interest repayment options
- Fixed or variable interest rates
- Corporate or individual trustee structures
- Offset accounts for cash flow management
- Access to major banks, non-bank lenders, and private funders
- FAQs
Common Questions About SMSF Property Loans
What properties can my SMSF buy?
Your SMSF can purchase residential or commercial investment properties, provided the asset meets the sole purpose test and is not used by you or related parties (except for qualifying commercial properties).
How much can my SMSF borrow?
Lenders review business financials, serviceability, security offered, and the strength of the business. We help prepare and present your application to maximise approval chances.
Do I need a corporate trustee to get an SMSF loan?
Most lenders require a corporate trustee for SMSF borrowing. While not mandatory under law, it can improve lending flexibility and administrative efficiency.
Can I improve or renovate the property?
You can perform repairs and maintenance, but significant improvements (e.g., structural changes) are not allowed while a loan is in place.
What happens if my SMSF can’t meet repayments?
SMSF loans are limited recourse, meaning the lender can only claim against the property, not the rest of your fund or personal assets. However, the fund must maintain sufficient liquidity to service the loan and remain compliant.
Let’s Talk SMSF Lending Strategy
SMSF loans aren’t one-size-fits-all. Whether you’re buying commercial property through your fund or planning long-term wealth creation, we’ll help you structure the right finance, stay compliant, and invest with clarity.
