Managing your own super gives you control, and with the right finance partner, it can open new opportunities for investment. Our SMSF lending specialists make the process simple, guiding you through eligibility, structure, and lender requirements. Whether you’re purchasing an investment property, refinancing an existing loan, or expanding your portfolio, we’ll help you find a loan that suits your strategy while keeping everything compliant with ATO regulations.
How It Works
Getting approved for a loan has never been easier!
You fill out the form
Fill out the form at the bottom of the page to arrange a consultation with one of our experienced brokers.
We find the best rates
We reach out to our contacts at over 80+ banks across Australia to find the perfect loan for your needs.
You get approved!
Once we find the best loans with the lowest rates for you, you pick out your fav' and get approved for you loan!
Our experienced finance brokers work closely with you to find the right loan that meets your requirements. Our team can advise you on the best ways to structure your loan for tax advantages.
Got Questions?
Can I buy property through my SMSF?
Yes, you can buy a property through your SMSF, but the process is tightly regulated and must meet specific ATO requirements. It’s important to ensure the purchase follows the rules around eligible assets, borrowing arrangements, and how the property can be used. For personalised guidance, it’s best to speak with Terry, our SMSF specialist, who can walk you through the process and make sure everything is set up correctly.
What are the benefits of SMSF lending?
SMSF lending allows your Self-Managed Super Fund to borrow money to purchase investment property, and it can offer several strong benefits. It lets you grow your retirement wealth by using both your super balance and borrowed funds, which can increase your long-term investment potential. Rental income and capital gains are taxed at concessional super rates, which can significantly improve the overall return. SMSF lending also lets you keep other investments in your fund diversified while still acquiring property. For many people, it becomes a strategic way to build wealth inside a tax-effective environment.
Can I use my SMSF to buy commercial property?
Yes, your SMSF can buy a commercial property, and one of the key advantages is that your own business can lease the property from the fund. This means your business pays rent directly into your super, the rent becomes a tax-deductible expense for the business, and you gain long-term security over your premises. It also allows you to hold the property inside your super rather than in your personal name, which is a popular strategy for many small business owners. There are important rules and considerations, so it’s always best to speak with Terry, our SMSF specialist, for tailored guidance.
What are the risks involved?
SMSF lending does come with risks, and it’s important to understand them before moving forward. These loans usually involve higher costs than standard home loans, including higher interest rates, setup and legal fees, ongoing compliance expenses, and property management costs. If these aren’t managed carefully, they can reduce your overall returns. There are also strict ATO rules that your SMSF must follow. Breaking these rules can lead to penalties, loss of tax concessions, or being forced to sell the asset. Common issues include living in an SMSF-owned residential property or renting it to a family member, which is not allowed. If you’d like help navigating these rules and making the most of your SMSF strategy, we’re here to assist.
How much can my SMSF borrow?
How much you can borrow through your SMSF depends on the fund’s financial position, contribution levels, rental income, and the strength of the investment being purchased. Most lenders will allow an SMSF to borrow around 60 to 80 percent of a property’s value, although the exact amount can vary depending on the lender and the type of property. Your fund also needs to show it can comfortably cover repayments while meeting ongoing SMSF obligations. A tailored assessment is usually the best way to understand your borrowing capacity, and we can help you review your fund’s numbers to determine what is achievable.