Use your superannuation to buy property the right way.
SMSF property loans are one of the most powerful wealth-building tools available to Australians. But the rules are strict and the lender panel is small. We specialise in SMSF lending and make the complex simple.
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Explore SMSF Lending Options07 4599 4601Who this is for
SMSF property loans suit trustees who want to invest in residential or commercial property inside their fund. You'll typically need a combined SMSF balance of $150,000–$200,000+. This is a specialist product requiring expert guidance, and we provide it.
- SMSF trustees with $150,000–$200,000+ in combined super
- Business owners wanting to purchase commercial premises in their SMSF
- Investors seeking tax-effective property exposure via superannuation
- Existing SMSF trustees looking to refinance their current SMSF loan
- People considering setting up a new SMSF to purchase property
What's included
- Access to all major SMSF lenders including specialist non-bank lenders
- Both residential investment and commercial property
- Limited Recourse Borrowing Arrangement (LRBA) structure
- Guidance on bare trust and custodian trustee setup
- Coordination with your SMSF accountant and auditor
- Refinancing of existing SMSF loans at better rates
How it works: step by step
SMSF Strategy Review
We review your SMSF balance, investment strategy, and property goals. We confirm whether an SMSF property loan is appropriate and walk you through the compliance requirements.
Lender & Structure Assessment
The SMSF lending market is smaller than the standard mortgage market. We identify which lenders suit your fund structure, LVR, and property type, and explain the bare trust requirements.
Co-ordination with Your SMSF Team
SMSF loans require close collaboration with your accountant and auditor. We work alongside your existing SMSF professionals to ensure the lending structure is compliant.
Application & Approval
We lodge the application with full documentation (SMSF trust deed, investment strategy, fund financials, and property details) and manage the process through to formal approval.
Settlement & Bare Trust Setup
Settlement of an SMSF property requires a bare trust structure. We coordinate with your solicitor to ensure this is set up correctly before settlement.
Eligibility at a glance
Eligibility varies by lender. Don't let these criteria put you off: we often find solutions that aren't obvious upfront.
- Established SMSF with a compliant investment strategy that allows property
- Minimum SMSF balance typically $150,000–$200,000 (lender dependent)
- Maximum LVR: typically 70–80% for residential, 65% for commercial
- Property must pass the sole purpose test: investment only, not for member personal use
- Residential property cannot be purchased from a related party
- Commercial property can be purchased from a related party (e.g. business premises lease-back)
Common questions
How much does my SMSF need to have before I can borrow?
Most SMSF lenders require your fund to have at least $150,000–$200,000 in assets. This ensures the SMSF has sufficient liquidity to service the loan, pay ongoing costs, and maintain compliance. The exact minimum varies by lender and property value.
Can I live in a property owned by my SMSF?
No. The sole purpose test is strict: a residential property held in an SMSF must be purely for investment. You cannot live in it, holiday in it, or let family members use it. Commercial property is different: if you own a business, your SMSF can purchase the premises and lease it back to your business at market rent.
What is an LRBA (Limited Recourse Borrowing Arrangement)?
An LRBA is the legal structure that allows an SMSF to borrow money. It's called 'limited recourse' because if the fund defaults, the lender can only pursue the property, not other fund assets. The property is held in a bare trust (holding trust) during the loan term and transferred to the SMSF when the loan is repaid.
Can I buy commercial property in my SMSF?
Yes, and this is one of the most compelling strategies for business owners. Your SMSF purchases the commercial premises and leases it back to your business at market rent. Rent payments build wealth inside super (low tax environment) rather than going to a third-party landlord.
What are SMSF loan interest rates like compared to standard investment loans?
SMSF loan rates are typically 0.5–1.5% higher than standard investment loan rates, reflecting the complexity and compliance requirements. The gap has narrowed in recent years as more lenders have entered the SMSF space. We compare all available lenders to find the most competitive rate for your fund.
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