Finance for buying property through your SMSF.
SMSF loans let your Self-Managed Super Fund borrow to buy property. We arrange the lending most brokers won’t touch, working in with your accountant and financial adviser.
An SMSF loan isn’t a standard investment loan with extra paperwork. The lending rules, deposit requirements, and application process are all different. Our job is the finance: finding the lenders who write these loans and getting the application right. Fund structure, compliance, and strategy stay with your accountant and financial adviser, and we work in with them.
From borrowing capacity to settlement
01
Understand your fund’s borrowing capacity.
Lenders look at your fund’s balance, income, expenses, and loan-to-value ratio (LVR). SMSF loans generally need a larger deposit than a standard investment loan, so we work out what your fund can actually borrow before you start looking.
02
Check the property against lender criteria.
Lenders restrict what an SMSF loan can buy. Commercial property and standard residential investment property are commonly accepted; anything unusual narrows the lender list, so we check early.
03
Understand the lending arrangement.
SMSF loans use a Limited Recourse Borrowing Arrangement (LRBA): if repayments default, the lender’s claim is limited to the property itself, not the rest of your fund. Your accountant or adviser sets up the trust deeds; we make sure the loan matches what they’ve set up.
04
Prepare a complete application.
SMSF Trust Deed, Custodian Trust Deed, fund financial statements, fund bank statements. We manage the document list so the application is right the first time, not bounced back by the lender.
What makes the difference with an SMSF loan
We stay in our lane.
We arrange the finance, and only the finance. Fund structure, compliance, and tax sit with your accountant and financial adviser, and we work in with them, not around them.
Access to the lenders who actually do this well.
Not every lender on our panel offers SMSF loans. Our access to 50+ lenders means we go to the ones who specialise in it, not whichever one happens to say yes.
Business owners use this too.
Some business owners lease their premises from their own SMSF. Whether that fits your fund is a question for your accountant; if it does, we arrange the lending.
Plain English on a technical topic.
LRBA, Trust Deeds, LVR. We explain what each term means for the loan, not just the acronym.
Ready to find out what’s actually possible?
Grab a free call and we’ll talk through your situation, no back-and-forth, no obligation.
Want a starting point on the numbers?
Stamp duty still applies to a property bought through your SMSF. Our stamp duty calculator gives you a rough figure before you talk to us.
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