SMSF Lending

We assist with lending solutions through your Self-Managed Super Fund, helping you understand your options, stay compliant, and secure finance aligned with your retirement goals.

SMSF lending, explained clearly

SMSF lending is more complex than standard property finance — and it needs to be approached carefully. Our role is to help you understand how SMSF lending works and whether it’s appropriate for your situation.

We work alongside your accountant and financial adviser to ensure the structure is compliant and fits within your broader retirement strategy.

Our support includes:

Explaining SMSF lending rules and requirements
Coordinating with your existing advisers
Comparing suitable lenders and loan structures
Guiding you from enquiry through to settlement

We take a considered, education-first approach so you can move forward with confidence, not uncertainty.

FAQs

What kind of property can I buy through a Self Managed Super Fund?

You can purchase a residential or commercial investment property provided it meets the lender’s criteria. The property must be held for investment purposes only and cannot be lived in or rented by you or a related party (with limited exceptions for commercial property).

What deposit do I need to purchase a property through my SMSF?

Generally SMSF purchases require higher deposits than a standard property purchase. Usually the minimum is a 20% deposit plus being able to cover the relevant stamp duty/legal/lender fees. Larger deposits may apply depending on the area and type of property you are buying (and for commercial properties).

Is SMSF lending more complex than a standard property purchase?

In short – yes. SMSF loans have strict legal, tax and compliance requirements and must be set up correctly from the start which is why it’s important to have an experienced broker, accountant and financial advisor on your team.

Who is involved when setting up a Self Managed Super Fund?

SMSF set-up and management requires an accountant and financial advisor’s expertise to ensure the loan structure, trust setup and investment strategy comply with the SMSF legislation. A mortgage broker then assists with writing the loan and guiding you through the lending process.

Let’s chat

If you’re considering property through your SMSF, let’s talk through whether it’s the right move for you.