Using your Self-Managed Super Fund (SMSF) to purchase property can be a smart long-term investment strategy, but it also involves strict rules and a more complex loan structure than standard lending. We specialise in SMSF lending solutions and provide expert guidance to help you borrow through your super with confidence.

SMSF loans are typically used to purchase residential or commercial property that will be held as an investment within the fund. These loans must meet specific legal and compliance requirements under superannuation law and are generally offered by a smaller number of lenders. That is why it is important to work with a broker who understands the unique structure of SMSF finance.

An SMSF loan must be set up under a limited recourse borrowing arrangement (LRBA), where the property is held in a separate trust and the lender’s claim is limited to that asset. This helps protect other assets within your super but also means the documentation, approval process, and setup costs can be more involved.

We help you navigate this process from start to finish. This includes determining borrowing capacity, finding a lender that suits your fund’s needs, and ensuring your trust and fund structure comply with ATO and legal requirements. We work closely with your accountant or financial adviser to ensure your investment strategy and loan structure are aligned.

We also help you understand key considerations such as loan-to-value ratios (LVR), interest-only versus principal and interest repayments, and whether residential or commercial property is better suited to your SMSF strategy.

With the right guidance and lender, SMSF property investment can be a powerful way to build retirement wealth. Our team ensures that the finance process is clear, compliant, and tailored to your fund’s long-term objectives.